1. depends on where/what u're applying. i'll answer this for most post-grad course in public Us in msia:
the most common sponsorship/loan for postgrad is JPA. actually, there arent that many people taking postgrads as they have allocations for. generally my friends who fared 3.0 an above during undergrad have gotten a loan (local studies). however, JPA tends to prefer research courses than taught courses. so u might wanna consider that as well.
other than that, each university has their own research grants that they could offer to research students (again, only for research courses). this is the favourite among students, coz ur supervisor will use that money to pay for ur fees and some even provide allowances.
third option, this thing called biasiswazah. it's a university grant to masters students. the minimum requirement for this is 3.0cgpa. the university where u study will pay for ur fees, and give u around RM500 per month for allowances. u wont have to pay anything, provided that u graduate on time. fairly easy to get, coz not many know about this. all public Us in msia gives out biasiswazah. this is open to all post-graduates of all background, race, field of study, method of study and all. it does base on first come first serve basis though.
2. dunno
3. also dunno.
4. taught courses have CGPA, coz they have subjects where u'd have to sit for exams. the study will end with a dissertation that is like a mini-masters thesis. research studies, on the other hand is just distinction/pass/fail, as far as i know.
owh... how do research baesd program works? any body can provide the details?