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KOJADI The Automotive Workshop Modernisation Project (ATOM)

Koperasi Jayadiri Malaysia Berhad (KOJADI)

Koperasi Jayadiri Malaysia Berhad (KOJADI) is established primarily to provide financial assistance in the form of study loans to its members and their families to pursue further education both locally and abroad. Since 2012, KOJADI have diversified its loans to business loans such as Micro Credit Loans and TUKAR / ATOM (Under the Economic Transformation Programme and Small and Medium Enterprises loan scheme.)


The Automotive Workshop Modernisation Project, or ATOM is an initiative to modernise and transform the fragmented automotive service and repair industry. By enhancing the standard of this sector, customers will receive better service and the mechanics/technicians will enjoy higher income.

Scope of financing:

  • Renovation/upgrading of business premises
  • Purchase of machines and equipment
  • Working capital (not exceeding RM 20,000 or 20% of the loan margin)


Target Group:

Fragmented automotive service and repair industry


Cost: 3% interest rate per annum on monthly rest


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