{"id":10,"date":"2025-10-07T09:15:13","date_gmt":"2025-10-07T09:15:13","guid":{"rendered":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/?page_id=10"},"modified":"2025-10-14T17:50:51","modified_gmt":"2025-10-14T17:50:51","slug":"konsultasi-kewangan","status":"publish","type":"page","link":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/","title":{"rendered":"Konsultasi Kewangan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"10\" class=\"elementor elementor-10\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9d67340 e-con-full e-flex e-con e-parent\" data-id=\"9d67340\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\">\n\t\t<div class=\"elementor-element elementor-element-56f7a68 e-con-full e-flex e-con e-child\" data-id=\"56f7a68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b5d148a elementor-widget elementor-widget-image\" data-id=\"b5d148a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1250\" height=\"292\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/KASB_logo_FINAL_F.png\" class=\"attachment-full size-full wp-image-28\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/KASB_logo_FINAL_F.png 1250w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/KASB_logo_FINAL_F-300x70.png 300w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/KASB_logo_FINAL_F-1024x239.png 1024w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/KASB_logo_FINAL_F-768x179.png 768w\" sizes=\"(max-width: 1250px) 100vw, 1250px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-101fd64 e-con-full e-flex e-con e-child\" data-id=\"101fd64\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-032065f elementor-nav-menu__align-end elementor-nav-menu--stretch elementor-widget-mobile__width-auto elementor-nav-menu--dropdown-tablet elementor-nav-menu__text-align-aside elementor-nav-menu--toggle elementor-nav-menu--burger elementor-widget elementor-widget-nav-menu\" data-id=\"032065f\" data-element_type=\"widget\" data-settings=\"{&quot;full_width&quot;:&quot;stretch&quot;,&quot;layout&quot;:&quot;horizontal&quot;,&quot;submenu_icon&quot;:{&quot;value&quot;:&quot;&lt;svg aria-hidden=\\&quot;true\\&quot; class=\\&quot;e-font-icon-svg e-fas-caret-down\\&quot; viewBox=\\&quot;0 0 320 512\\&quot; xmlns=\\&quot;http:\\\/\\\/www.w3.org\\\/2000\\\/svg\\&quot;&gt;&lt;path d=\\&quot;M31.3 192h257.3c17.8 0 26.7 21.5 14.1 34.1L174.1 354.8c-7.8 7.8-20.5 7.8-28.3 0L17.2 226.1C4.6 213.5 13.5 192 31.3 192z\\&quot;&gt;&lt;\\\/path&gt;&lt;\\\/svg&gt;&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;toggle&quot;:&quot;burger&quot;}\" data-widget_type=\"nav-menu.default\">\n\t\t\t\t\t\t\t\t<nav aria-label=\"Menu\" class=\"elementor-nav-menu--main elementor-nav-menu__container elementor-nav-menu--layout-horizontal e--pointer-background e--animation-fade\">\n\t\t\t\t<ul id=\"menu-1-032065f\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-32\"><a href=\"#tentang\" class=\"elementor-item elementor-item-anchor\">Tentang<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-33\"><a href=\"#maklumat\" class=\"elementor-item elementor-item-anchor\">Maklumat Permohonan<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-601\"><a href=\"#hubungi\" class=\"elementor-item elementor-item-anchor\">Hubungi<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34\"><a href=\"#faq\" class=\"elementor-item elementor-item-anchor\">FAQ<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t<div class=\"elementor-menu-toggle\" role=\"button\" tabindex=\"0\" aria-label=\"Menu Toggle\" aria-expanded=\"false\">\n\t\t\t<svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--open e-font-icon-svg e-eicon-menu-bar\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M104 333H896C929 333 958 304 958 271S929 208 896 208H104C71 208 42 237 42 271S71 333 104 333ZM104 583H896C929 583 958 554 958 521S929 458 896 458H104C71 458 42 487 42 521S71 583 104 583ZM104 833H896C929 833 958 804 958 771S929 708 896 708H104C71 708 42 737 42 771S71 833 104 833Z\"><\/path><\/svg><svg aria-hidden=\"true\" role=\"presentation\" class=\"elementor-menu-toggle__icon--close e-font-icon-svg e-eicon-close\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M742 167L500 408 258 167C246 154 233 150 217 150 196 150 179 158 167 167 154 179 150 196 150 212 150 229 154 242 171 254L408 500 167 742C138 771 138 800 167 829 196 858 225 858 254 829L496 587 738 829C750 842 767 846 783 846 800 846 817 842 829 829 842 817 846 804 846 783 846 767 842 750 829 737L588 500 833 258C863 229 863 200 833 171 804 137 775 137 742 167Z\"><\/path><\/svg>\t\t<\/div>\n\t\t\t\t\t<nav class=\"elementor-nav-menu--dropdown elementor-nav-menu__container\" aria-hidden=\"true\">\n\t\t\t\t<ul id=\"menu-2-032065f\" class=\"elementor-nav-menu\"><li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-32\"><a href=\"#tentang\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Tentang<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-33\"><a href=\"#maklumat\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Maklumat Permohonan<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-601\"><a href=\"#hubungi\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">Hubungi<\/a><\/li>\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-34\"><a href=\"#faq\" class=\"elementor-item elementor-item-anchor\" tabindex=\"-1\">FAQ<\/a><\/li>\n<\/ul>\t\t\t<\/nav>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3c9a8f e-con-full e-flex e-con e-parent\" data-id=\"d3c9a8f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b43bd6c e-con-full e-flex e-con e-child\" data-id=\"b43bd6c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bcd47a elementor-widget elementor-widget-heading\" data-id=\"7bcd47a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Satukan Hutang Anda, Ringankan Beban Kewangan Hari Ini.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb5e381 elementor-widget elementor-widget-text-editor\" data-id=\"eb5e381\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Penyatuan hutang membantu anda menggabungkan semua pinjaman menjadi satu bayaran bulanan yang lebih rendah \u2014 mudah, teratur, dan menjimatkan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17979f9 elementor-widget elementor-widget-button\" data-id=\"17979f9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#hubungi\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Maklumat Lanjut<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65db82a e-con-full e-flex e-con e-parent\" data-id=\"65db82a\" data-element_type=\"container\" id=\"tentang\">\n\t\t<div class=\"elementor-element elementor-element-d8a3e7e e-con-full e-flex e-con e-child\" data-id=\"d8a3e7e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6183e7e e-con-full e-flex e-con e-child\" data-id=\"6183e7e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0a17 elementor-widget elementor-widget-heading\" data-id=\"1ab0a17\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tentang<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b490998 elementor-widget elementor-widget-heading\" data-id=\"b490998\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Apa Itu Penyatuan Hutang?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aca76ec elementor-widget elementor-widget-text-editor\" data-id=\"aca76ec\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"857\" data-end=\"1049\">Penyatuan hutang ialah proses menggabungkan beberapa pinjaman seperti kad kredit, pinjaman peribadi, atau ansuran bulanan menjadi <strong data-start=\"1021\" data-end=\"1046\">satu pinjaman tunggal<\/strong>.<\/p><p data-start=\"1054\" data-end=\"1163\">Dengan cara ini, anda hanya perlu buat <strong data-start=\"1093\" data-end=\"1122\">satu bayaran setiap bulan<\/strong> dengan kadar faedah yang lebih rendah.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4daf77 elementor-widget elementor-widget-spacer\" data-id=\"d4daf77\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34c6787 e-con-full e-flex e-con e-child\" data-id=\"34c6787\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e60bec1 elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"e60bec1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/angkasa-logo-300x300-1.webp\" class=\"attachment-full size-full wp-image-698\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/angkasa-logo-300x300-1.webp 300w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/angkasa-logo-300x300-1-150x150.webp 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f19c10e elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"f19c10e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/anm-logo.webp\" class=\"attachment-medium_large size-medium_large wp-image-699\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/anm-logo.webp 300w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/anm-logo-150x150.webp 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec640f2 elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"ec640f2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/hrmis-logo.webp\" class=\"attachment-medium_large size-medium_large wp-image-701\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/hrmis-logo.webp 300w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/hrmis-logo-150x150.webp 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd09d03 elementor-widget-mobile__width-auto elementor-widget elementor-widget-image\" data-id=\"dd09d03\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/bersekutu-logo.webp\" class=\"attachment-medium_large size-medium_large wp-image-700\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/bersekutu-logo.webp 300w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/bersekutu-logo-150x150.webp 150w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2fcba51 e-con-full e-flex e-con e-child\" data-id=\"2fcba51\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-116ff5e elementor-widget elementor-widget-image\" data-id=\"116ff5e\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"818\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan08b-768x818.jpg\" class=\"attachment-medium_large size-medium_large wp-image-729\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan08b-768x818.jpg 768w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan08b-282x300.jpg 282w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan08b.jpg 939w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cfe50c3 e-con-full e-flex e-con e-child\" data-id=\"cfe50c3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f96afe6 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"f96afe6\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\tKelebihan Penyatuan Hutang\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8ecfdad e-con-full e-flex e-con e-child\" data-id=\"8ecfdad\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d4358e3 e-con-full e-flex e-con e-child\" data-id=\"d4358e3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97794a6 elementor-flip-box--effect-push elementor-flip-box--direction-left elementor-widget elementor-widget-flip-box\" data-id=\"97794a6\" data-element_type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-money-bill-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M352 288h-16v-88c0-4.42-3.58-8-8-8h-13.58c-4.74 0-9.37 1.4-13.31 4.03l-15.33 10.22a7.994 7.994 0 0 0-2.22 11.09l8.88 13.31a7.994 7.994 0 0 0 11.09 2.22l.47-.31V288h-16c-4.42 0-8 3.58-8 8v16c0 4.42 3.58 8 8 8h64c4.42 0 8-3.58 8-8v-16c0-4.42-3.58-8-8-8zM608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zM48 400v-64c35.35 0 64 28.65 64 64H48zm0-224v-64h64c0 35.35-28.65 64-64 64zm272 192c-53.02 0-96-50.15-96-112 0-61.86 42.98-112 96-112s96 50.14 96 112c0 61.87-43 112-96 112zm272 32h-64c0-35.35 28.65-64 64-64v64zm0-224c-35.35 0-64-28.65-64-64h64v64z\"><\/path><\/svg>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tBayaran Bulanan Lebih Rendah\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__back\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tKurangkan jumlah bayaran bulanan supaya anda ada lebih ruang untuk bernafas.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb3a030 e-con-full e-flex e-con e-child\" data-id=\"cb3a030\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-673aad4 elementor-flip-box--effect-push elementor-flip-box--direction-left elementor-widget elementor-widget-flip-box\" data-id=\"673aad4\" data-element_type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-receipt\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M358.4 3.2L320 48 265.6 3.2a15.9 15.9 0 0 0-19.2 0L192 48 137.6 3.2a15.9 15.9 0 0 0-19.2 0L64 48 25.6 3.2C15-4.7 0 2.8 0 16v480c0 13.2 15 20.7 25.6 12.8L64 464l54.4 44.8a15.9 15.9 0 0 0 19.2 0L192 464l54.4 44.8a15.9 15.9 0 0 0 19.2 0L320 464l38.4 44.8c10.5 7.9 25.6.4 25.6-12.8V16c0-13.2-15-20.7-25.6-12.8zM320 360c0 4.4-3.6 8-8 8H72c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h240c4.4 0 8 3.6 8 8v16zm0-96c0 4.4-3.6 8-8 8H72c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h240c4.4 0 8 3.6 8 8v16zm0-96c0 4.4-3.6 8-8 8H72c-4.4 0-8-3.6-8-8v-16c0-4.4 3.6-8 8-8h240c4.4 0 8 3.6 8 8v16z\"><\/path><\/svg>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tUrus Kewangan Dengan Mudah\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__back\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tHanya satu bayaran setiap bulan \u2013 tak perlu risau terlupa atau terlepas tarikh.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2c5a653 e-con-full e-flex e-con e-child\" data-id=\"2c5a653\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9541610 elementor-flip-box--effect-push elementor-flip-box--direction-left elementor-widget elementor-widget-flip-box\" data-id=\"9541610\" data-element_type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-percent\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M112 224c61.9 0 112-50.1 112-112S173.9 0 112 0 0 50.1 0 112s50.1 112 112 112zm0-160c26.5 0 48 21.5 48 48s-21.5 48-48 48-48-21.5-48-48 21.5-48 48-48zm224 224c-61.9 0-112 50.1-112 112s50.1 112 112 112 112-50.1 112-112-50.1-112-112-112zm0 160c-26.5 0-48-21.5-48-48s21.5-48 48-48 48 21.5 48 48-21.5 48-48 48zM392.3.2l31.6-.1c19.4-.1 30.9 21.8 19.7 37.8L77.4 501.6a23.95 23.95 0 0 1-19.6 10.2l-33.4.1c-19.5 0-30.9-21.9-19.7-37.8l368-463.7C377.2 4 384.5.2 392.3.2z\"><\/path><\/svg>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tKadar Faedah Lebih Rendah\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__back\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tJimat bayaran faedah jangka panjang berbanding kadar asal.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40bfde3 e-con-full e-flex e-con e-child\" data-id=\"40bfde3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23d0998 elementor-flip-box--effect-push elementor-flip-box--direction-left elementor-widget elementor-widget-flip-box\" data-id=\"23d0998\" data-element_type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper elementor-view-default\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-file-invoice-dollar\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M377 105L279.1 7c-4.5-4.5-10.6-7-17-7H256v128h128v-6.1c0-6.3-2.5-12.4-7-16.9zm-153 31V0H24C10.7 0 0 10.7 0 24v464c0 13.3 10.7 24 24 24h336c13.3 0 24-10.7 24-24V160H248c-13.2 0-24-10.8-24-24zM64 72c0-4.42 3.58-8 8-8h80c4.42 0 8 3.58 8 8v16c0 4.42-3.58 8-8 8H72c-4.42 0-8-3.58-8-8V72zm0 80v-16c0-4.42 3.58-8 8-8h80c4.42 0 8 3.58 8 8v16c0 4.42-3.58 8-8 8H72c-4.42 0-8-3.58-8-8zm144 263.88V440c0 4.42-3.58 8-8 8h-16c-4.42 0-8-3.58-8-8v-24.29c-11.29-.58-22.27-4.52-31.37-11.35-3.9-2.93-4.1-8.77-.57-12.14l11.75-11.21c2.77-2.64 6.89-2.76 10.13-.73 3.87 2.42 8.26 3.72 12.82 3.72h28.11c6.5 0 11.8-5.92 11.8-13.19 0-5.95-3.61-11.19-8.77-12.73l-45-13.5c-18.59-5.58-31.58-23.42-31.58-43.39 0-24.52 19.05-44.44 42.67-45.07V232c0-4.42 3.58-8 8-8h16c4.42 0 8 3.58 8 8v24.29c11.29.58 22.27 4.51 31.37 11.35 3.9 2.93 4.1 8.77.57 12.14l-11.75 11.21c-2.77 2.64-6.89 2.76-10.13.73-3.87-2.43-8.26-3.72-12.82-3.72h-28.11c-6.5 0-11.8 5.92-11.8 13.19 0 5.95 3.61 11.19 8.77 12.73l45 13.5c18.59 5.58 31.58 23.42 31.58 43.39 0 24.53-19.05 44.44-42.67 45.07z\"><\/path><\/svg>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tRekod Kredit Lebih Baik\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__back\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tDengan bayaran yang konsisten, skor kredit anda juga boleh bertambah baik.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c34ead0 e-con-full e-flex e-con e-parent\" data-id=\"c34ead0\" data-element_type=\"container\" id=\"maklumat\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4821640 e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"4821640\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-662496d e-con-full e-flex e-con e-child\" data-id=\"662496d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-608b397 elementor-widget elementor-widget-image\" data-id=\"608b397\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"673\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan02-e1759931965592.jpg\" class=\"attachment-medium_large size-medium_large wp-image-508\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan02-e1759931965592.jpg 500w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan02-e1759931965592-223x300.jpg 223w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e20853 elementor-widget elementor-widget-spacer\" data-id=\"2e20853\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c4b4906 elementor-widget elementor-widget-heading\" data-id=\"c4b4906\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maklumat Permohonan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8c6c03 elementor-widget elementor-widget-heading\" data-id=\"c8c6c03\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Syarat-syarat <br>untuk Memohon<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb0e47e e-con-full e-flex e-con e-child\" data-id=\"cb0e47e\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ace284d e-con-full e-flex e-con e-child\" data-id=\"ace284d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-180d6ce e-con-full e-flex e-con e-child\" data-id=\"180d6ce\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-210a80e elementor-widget elementor-widget-heading\" data-id=\"210a80e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0726a2d elementor-widget elementor-widget-icon-box\" data-id=\"0726a2d\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWarganegara Malaysia\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPemohon mestilah rakyat Malaysia berumur 21 tahun ke atas.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1800440 e-con-full e-flex e-con e-child\" data-id=\"1800440\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5e75cd elementor-widget elementor-widget-heading\" data-id=\"f5e75cd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d713d75 elementor-widget elementor-widget-icon-box\" data-id=\"d713d75\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPekerjaan Tetap atau Pendapatan Tetap\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBekerja di sektor kerajaan \/ GLC \/ syarikat swasta berdaftar KWSP sekurang-kurangnya 6 bulan ke atas.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d74837 e-con-full e-flex e-con e-child\" data-id=\"1d74837\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47f68ab elementor-widget elementor-widget-heading\" data-id=\"47f68ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ccbb21 elementor-widget elementor-widget-icon-box\" data-id=\"9ccbb21\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPendapatan Minimum\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPendapatan kasar bulanan sekurang-kurangnya RM3,000.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a75a7c5 elementor-widget elementor-widget-spacer\" data-id=\"a75a7c5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-aea86b1 e-con-full e-flex e-con e-child\" data-id=\"aea86b1\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-989e992 e-con-full e-flex e-con e-child\" data-id=\"989e992\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78abba4 elementor-widget elementor-widget-heading\" data-id=\"78abba4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f32b6f elementor-widget elementor-widget-icon-box\" data-id=\"9f32b6f\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRekod Kredit (CTOS\/CCRIS) Boleh Diterima\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPemohon juga tidak berada di bawah status bankrap atau AKPK (aktif). Kami akan bantu semak laporan kredit anda dan menasihati langkah untuk memperbaikinya jika perlu. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1099bc1 e-con-full e-flex e-con e-child\" data-id=\"1099bc1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cfa4aab elementor-widget elementor-widget-heading\" data-id=\"cfa4aab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa7ec66 elementor-widget elementor-widget-icon-box\" data-id=\"aa7ec66\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tJumlah Hutang yang Ingin Disatukan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tJumlah keseluruhan hutang minimum RM5,000 dan ke atas untuk layak disemak bagi pelan penyatuan.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4b66278 e-con-full e-flex e-con e-child\" data-id=\"4b66278\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86f8add elementor-widget elementor-widget-heading\" data-id=\"86f8add\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-220c0fd elementor-widget elementor-widget-icon-box\" data-id=\"220c0fd\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDokumen Diperlukan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSalinan kad pengenalan (depan &amp; belakang), slip gaji 3 bulan terkini, penyata bank 3 bulan terkini dan dokumen pinjaman sedia ada (jika ada).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a996871 e-con-full elementor-hidden-desktop elementor-hidden-mobile e-flex e-con e-child\" data-id=\"a996871\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4b250fd e-con-full e-flex e-con e-child\" data-id=\"4b250fd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bb5899 elementor-widget elementor-widget-image\" data-id=\"2bb5899\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"673\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan02-e1759931965592.jpg\" class=\"attachment-medium_large size-medium_large wp-image-508\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan02-e1759931965592.jpg 500w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan02-e1759931965592-223x300.jpg 223w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1872f6f elementor-widget elementor-widget-spacer\" data-id=\"1872f6f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2d1a92 elementor-widget elementor-widget-heading\" data-id=\"a2d1a92\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Maklumat Permohonan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b1ad26 elementor-widget elementor-widget-heading\" data-id=\"8b1ad26\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Syarat-syarat <br>untuk Memohon<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bff00b2 e-con-full e-flex e-con e-child\" data-id=\"bff00b2\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8e06f37 e-con-full e-flex e-con e-child\" data-id=\"8e06f37\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-08e2ca7 e-con-full e-flex e-con e-child\" data-id=\"08e2ca7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad10645 elementor-widget elementor-widget-heading\" data-id=\"ad10645\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d85795 elementor-widget elementor-widget-icon-box\" data-id=\"0d85795\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWarganegara Malaysia\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPemohon mestilah rakyat Malaysia berumur 21 tahun ke atas.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89666a5 e-con-full e-flex e-con e-child\" data-id=\"89666a5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbb62a9 elementor-widget elementor-widget-heading\" data-id=\"cbb62a9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb771df elementor-widget elementor-widget-icon-box\" data-id=\"bb771df\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPekerjaan Tetap atau Pendapatan Tetap\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBekerja di sektor kerajaan \/ GLC \/ syarikat swasta berdaftar KWSP sekurang-kurangnya 6 bulan ke atas.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2acd4a elementor-widget elementor-widget-spacer\" data-id=\"e2acd4a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-099c231 e-con-full e-flex e-con e-child\" data-id=\"099c231\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-42944d2 e-con-full e-flex e-con e-child\" data-id=\"42944d2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2bd7ee elementor-widget elementor-widget-heading\" data-id=\"b2bd7ee\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e425e42 elementor-widget elementor-widget-icon-box\" data-id=\"e425e42\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPendapatan Minimum\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPendapatan kasar bulanan sekurang-kurangnya RM2,000 \u2013 RM3,000 (bergantung kepada institusi kewangan).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-723c7b4 e-con-full e-flex e-con e-child\" data-id=\"723c7b4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9bea23b elementor-widget elementor-widget-heading\" data-id=\"9bea23b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">4<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-847798d elementor-widget elementor-widget-icon-box\" data-id=\"847798d\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tRekod Kredit (CTOS\/CCRIS) Boleh Diterima\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPemohon juga tidak berada di bawah status bankrap atau AKPK (aktif). Kami akan bantu semak laporan kredit anda dan menasihati langkah untuk memperbaikinya jika perlu. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4fbc0a elementor-widget elementor-widget-spacer\" data-id=\"d4fbc0a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37f53ca e-con-full e-flex e-con e-child\" data-id=\"37f53ca\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e99057e e-con-full e-flex e-con e-child\" data-id=\"e99057e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4335b3 elementor-widget elementor-widget-heading\" data-id=\"f4335b3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0437e43 elementor-widget elementor-widget-icon-box\" data-id=\"0437e43\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tJumlah Hutang yang Ingin Disatukan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tJumlah keseluruhan hutang minimum RM5,000 dan ke atas untuk layak disemak bagi pelan penyatuan.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29a0ffb e-con-full e-flex e-con e-child\" data-id=\"29a0ffb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fd85c6 elementor-widget elementor-widget-heading\" data-id=\"1fd85c6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">6<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c342e1e elementor-widget elementor-widget-icon-box\" data-id=\"c342e1e\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDokumen Diperlukan\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSalinan kad pengenalan (depan &amp; belakang), slip gaji 3 bulan terkini, penyata bank 3 bulan terkini dan dokumen pinjaman sedia ada (jika ada).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3799dc0 e-con-full e-flex e-con e-child\" data-id=\"3799dc0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a068b9 elementor-widget elementor-widget-spacer\" data-id=\"2a068b9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-606ebd1 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"606ebd1\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\tCara Memohon\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-22fada6 e-con-full e-flex e-con e-child\" data-id=\"22fada6\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-03838a9 e-con-full e-flex e-con e-child\" data-id=\"03838a9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52ceeab elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"52ceeab\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"666\" height=\"1000\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan04.jpg\" class=\"attachment-full size-full wp-image-525\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan04.jpg 666w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan04-200x300.jpg 200w\" sizes=\"(max-width: 666px) 100vw, 666px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Isi Borang Ringkas<\/h3><p class=\"elementor-image-box-description\">Masukkan maklumat asas seperti nama, nombor telefon &amp; jumlah hutang.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5599564 elementor-position-left elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"5599564\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bookmark\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 512V48C0 21.49 21.49 0 48 0h288c26.51 0 48 21.49 48 48v464L192 400 0 512z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSemakan awal adalah percuma dan tanpa komitmen.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-314c2c2 e-con-full e-flex e-con e-child\" data-id=\"314c2c2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-310502d elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"310502d\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"667\" height=\"1000\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan05.jpg\" class=\"attachment-full size-full wp-image-526\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan05.jpg 667w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan05-200x300.jpg 200w\" sizes=\"(max-width: 667px) 100vw, 667px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Semakan &amp; Konsultasi Percuma<\/h3><p class=\"elementor-image-box-description\">Perunding kami akan hubungi anda untuk semakan kelayakan dan beri nasihat kewangan berdasarkan situasi sebenar anda. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53a65ed elementor-position-left elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"53a65ed\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bookmark\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 512V48C0 21.49 21.49 0 48 0h288c26.51 0 48 21.49 48 48v464L192 400 0 512z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tSegala maklumat adalah sulit dan dilindungi.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50987de e-con-full e-flex e-con e-child\" data-id=\"50987de\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1a7d78 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"d1a7d78\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img loading=\"lazy\" decoding=\"async\" width=\"667\" height=\"1000\" src=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan06.jpg\" class=\"attachment-full size-full wp-image-527\" alt=\"\" srcset=\"https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan06.jpg 667w, https:\/\/konsultasikewangan.koperasiagrosukses.com\/wp-content\/uploads\/2025\/10\/konsultan06-200x300.jpg 200w\" sizes=\"(max-width: 667px) 100vw, 667px\" \/><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\">Terima Pelan Penyatuan Anda<\/h3><p class=\"elementor-image-box-description\">Kami sediakan cadangan pelan terbaik dan bantu anda sepanjang proses penyatuan. <\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e578a elementor-position-left elementor-view-default elementor-mobile-position-top elementor-widget elementor-widget-icon-box\" data-id=\"88e578a\" data-element_type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-bookmark\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 512V48C0 21.49 21.49 0 48 0h288c26.51 0 48 21.49 48 48v464L192 400 0 512z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNikmati bayaran bulanan lebih rendah &amp; urusan lebih mudah.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8f77431 e-con-full e-flex e-con e-parent\" data-id=\"8f77431\" data-element_type=\"container\" id=\"hubungi\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-fd7434b e-con-full e-flex e-con e-child\" data-id=\"fd7434b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a3bfb20 e-con-full e-flex e-con e-child\" data-id=\"a3bfb20\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a0ba1f elementor-widget elementor-widget-heading\" data-id=\"1a0ba1f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sedia Untuk Bermula?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-693c04d elementor-widget elementor-widget-text-editor\" data-id=\"693c04d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"857\" data-end=\"1049\">Isi borang di sebelah atau klik ikon Whatsapp di bawah untuk dapatkan <em data-start=\"998\" data-end=\"1018\">konsultasi percuma<\/em> hari ini.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28ae1de e-con-full e-flex e-con e-child\" data-id=\"28ae1de\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b78cec8 elementor-button-align-start elementor-widget elementor-widget-form\" data-id=\"b78cec8\" data-element_type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"10\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"b78cec8\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"10\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tNama penuh\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-email elementor-col-40 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tTel\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-field_24a9a81 elementor-col-60\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-field_24a9a81\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[field_24a9a81]\" id=\"form-field-field_24a9a81\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tMesej\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"4\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Semak Kelayakan<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ed3b593 e-con-full e-flex e-con e-parent\" data-id=\"ed3b593\" data-element_type=\"container\" id=\"faq\">\n\t\t\t\t<div class=\"elementor-element elementor-element-970ccb0 elementor-widget elementor-widget-heading\" data-id=\"970ccb0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Soalan Lazim (FAQ)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f1473d elementor-widget elementor-widget-n-accordion\" data-id=\"9f1473d\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1660\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1660\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Apa itu penyatuan hutang? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1660\" class=\"elementor-element elementor-element-1ff96cb e-con-full e-flex e-con e-child\" data-id=\"1ff96cb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3141ac elementor-widget elementor-widget-text-editor\" data-id=\"a3141ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"625\" data-end=\"826\">Penyatuan hutang ialah proses menggabungkan beberapa pinjaman seperti kad kredit, pinjaman peribadi, atau hutang ansuran menjadi <strong data-start=\"418\" data-end=\"477\">satu bayaran bulanan yang lebih rendah dan mudah diurus<\/strong>.<br data-start=\"478\" data-end=\"481\" \/>Tujuannya adalah untuk membantu anda mengawal aliran tunai dan mengurangkan tekanan kewangan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1661\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1661\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Adakah anda syarikat pinjaman? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1661\" class=\"elementor-element elementor-element-2974169 e-con-full e-flex e-con e-child\" data-id=\"2974169\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4966bf3 elementor-widget elementor-widget-text-editor\" data-id=\"4966bf3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"625\" data-end=\"826\">Tidak. Kami <strong data-start=\"637\" data-end=\"663\">bukan pemberi pinjaman<\/strong>, tetapi <strong data-start=\"672\" data-end=\"694\">perunding kewangan<\/strong> yang membantu anda menilai situasi semasa, menasihat pilihan terbaik, dan menyambungkan anda kepada institusi kewangan yang sesuai.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1662\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1662\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Adakah semakan ini menjejaskan skor kredit saya? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1662\" class=\"elementor-element elementor-element-5d8563b e-con-full e-flex e-con e-child\" data-id=\"5d8563b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3ded0e elementor-widget elementor-widget-text-editor\" data-id=\"a3ded0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"625\" data-end=\"826\">Tidak. Semakan awal yang kami lakukan adalah <strong data-start=\"940\" data-end=\"1007\">percuma dan tidak memberi kesan kepada skor kredit (CTOS\/CCRIS)<\/strong> anda.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1663\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1663\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Siapa yang layak memohon? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1663\" class=\"elementor-element elementor-element-77ab926 e-con-full e-flex e-con e-child\" data-id=\"77ab926\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-142e20c elementor-widget elementor-widget-text-editor\" data-id=\"142e20c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"1059\" data-end=\"1108\"><p data-start=\"1061\" data-end=\"1108\">Warganegara Malaysia berumur 21 tahun ke atas<\/p><\/li><li data-start=\"1109\" data-end=\"1168\"><p data-start=\"1111\" data-end=\"1168\">Mempunyai pekerjaan tetap atau pendapatan bulanan tetap<\/p><\/li><li data-start=\"1169\" data-end=\"1275\"><p data-start=\"1171\" data-end=\"1275\">Mempunyai beberapa hutang seperti kad kredit, pinjaman peribadi, atau hutang lain yang ingin disatukan<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1664\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1664\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Berapa lama proses ini mengambil masa? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1664\" class=\"elementor-element elementor-element-79c9294 e-con-full e-flex e-con e-child\" data-id=\"79c9294\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3dd020 elementor-widget elementor-widget-text-editor\" data-id=\"c3dd020\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1061\" data-end=\"1108\">Proses semakan kelayakan biasanya dalam tempoh <strong data-start=\"1356\" data-end=\"1376\">2\u20133 hari bekerja. <\/strong>Manakala proses kelulusan pinjaman bergantung kepada insitusi kewangan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1665\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1665\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Adakah saya perlu cagaran atau penjamin? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1665\" class=\"elementor-element elementor-element-a006736 e-con-full e-flex e-con e-child\" data-id=\"a006736\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-00e7af4 elementor-widget elementor-widget-text-editor\" data-id=\"00e7af4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1061\" data-end=\"1108\">Tidak semestinya. Kebanyakan pelan penyatuan hutang <strong data-start=\"1554\" data-end=\"1582\">tidak memerlukan cagaran<\/strong> \u2014 bergantung kepada jenis pinjaman dan kelayakan pemohon.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1666\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1666\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Adakah maklumat saya dirahsiakan? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewBox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1666\" class=\"elementor-element elementor-element-82c2cec e-con-full e-flex e-con e-child\" data-id=\"82c2cec\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1765cca elementor-widget elementor-widget-text-editor\" data-id=\"1765cca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1061\" data-end=\"1108\">Ya. Semua maklumat anda adalah <strong data-start=\"1725\" data-end=\"1749\">sulit dan dilindungi<\/strong> di bawah Akta Perlindungan Data Peribadi (PDPA). Kami tidak akan berkongsi maklumat anda tanpa kebenaran.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b8ab139 e-con-full e-flex e-con e-parent\" data-id=\"b8ab139\" data-element_type=\"container\" id=\"hubungi\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ea55903 e-con-full e-flex e-con e-child\" data-id=\"ea55903\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b130e2b elementor-widget elementor-widget-heading\" data-id=\"b130e2b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Koperasi Agro Sukses Pasir Mas Berhad (HQ)\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771e225 elementor-widget elementor-widget-heading\" data-id=\"771e225\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Lorong Kedai Syarikat, Kampung Perangkap, <br>\nBunut Susu 17020 Pasir Mas, Kelantan<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e29c53 e-con-full e-flex e-con e-child\" data-id=\"5e29c53\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-636fd26 elementor-widget elementor-widget-heading\" data-id=\"636fd26\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Koperasi Agro Sukses Pasir Mas Berhad\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d68360 elementor-widget elementor-widget-heading\" data-id=\"7d68360\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cawangan Kuala Lumpur<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ce57a7 e-con-full elementor-hidden-mobile e-flex e-con e-child\" data-id=\"4ce57a7\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14f4927 e-con-full e-flex e-con e-parent\" data-id=\"14f4927\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c007cd4 e-con-full e-flex e-con e-child\" data-id=\"c007cd4\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7f53ce elementor-widget elementor-widget-heading\" data-id=\"d7f53ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Hakcipta Terpelihara @ 2025 Koperasi Agro Sukses Pasir Mas Berhad<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-769e56b e-con-full e-flex e-con e-child\" data-id=\"769e56b\" data-element_type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Satukan Hutang Anda, Ringankan Beban Kewangan Hari Ini. Penyatuan hutang membantu anda menggabungkan semua pinjaman menjadi satu bayaran bulanan yang lebih rendah \u2014 mudah, teratur, dan menjimatkan. Maklumat Lanjut Tentang Apa Itu Penyatuan Hutang? Penyatuan hutang ialah proses menggabungkan beberapa pinjaman seperti kad kredit, pinjaman peribadi, atau ansuran bulanan menjadi satu pinjaman tunggal. Dengan cara [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_canvas","meta":{"footnotes":""},"class_list":["post-10","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/pages\/10","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/comments?post=10"}],"version-history":[{"count":763,"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/pages\/10\/revisions"}],"predecessor-version":[{"id":827,"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/pages\/10\/revisions\/827"}],"wp:attachment":[{"href":"https:\/\/konsultasikewangan.koperasiagrosukses.com\/index.php\/wp-json\/wp\/v2\/media?parent=10"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}