If you are a Goverment servant, aside form bank loan, you can also apply personal loan through koperasi, which rates now are even lower compared to some bank loan.

If your are an employee of private sectors (including banks) and fall under certain criteria you may apply personal loan from Bank Rakyat as well. Both loan from koperasi and bank Rakyat are suited to those whose name already blacklisted in ctos.

For further info pls visit http://www.loan4ccrisctos.wordpress.com