Introduction

Financing Scheme

Silver

Up to RM15,000 per application

Gold

Up to RM30,000 per application

Platinum

Up to RM150,000 per application

Training / Tuition fee

Professional / Examination

fee

Yayasan

Peneraju

Monthly Allowance* No No Yes

Financing

Scheme

Repayment* 0% 50% 20%

Scheme's limit for Talents

to reapply

One-time only Multiple times

Multiple times

Convertible to Scholarship

if straight pass*

N/A

(100% Scholarship until

further notice)

No Yes

* The allowance provided under the Platinum Package is applicable solely to participants enrolled in full-time accounting Course and/or programmes.

** “Straight Pass” refers to the successful completion of all compulsory papers of the Course in a single sitting on the first attempt. This conversion is only applicable under the Platinum Package.

# To highlight, any amount, lesser than RM30,000, is not eligible to Platinum

YP Financing Scheme

YP Financing Scheme: Facts

Method Details

Payment Recipient Direct to Talents

PIC for Payment to ALTI Talents to manage payment to ALTI

Payment Amount Reference Official Invoice/Receipt issued by ALTI

Ceiling Total Amount Paid As per approved Financing Amount

Deliverables Required

Official ALTI Receipt &

Exam Result (if available)

Evaluate applicants for

the courses.

Issue Letter of Offer

(LO)/Proof of Registration to

applicants. LO:

A. Should NOT mention YP, as

the training offer is from ALTI.

B. Should include name of talent,

IC number, course of study

similar to ALTI's submission to

YP, and cost of study.

Arrange and conduct training

and examination.

Liaise with Certification Body

on Talents’ exam

arrangements (where

applicable).

Issue official invoice

and/or receipt for

payment to Talents

Issue reminder to Talents

on pending payments.

Receive and record

payment from Talents

Update Yayasan Peneraju

should there be

outstanding payments

OVERALL COURSE MANAGEMENT

INVOICE – RELATED MATTERS

Role of ALTI in Financing Scheme

Application Process

Candidates' Guidelines

This document provides comprehensive instructions on the registration and

application process for the Yayasan Peneraju Financing Scheme through

Peneraju.org. It includes detailed information on the required documents,

authorized officers, document formats, and the overall application process.

Kindly review the FAQ thoroughly and provide accurate information to complete

the online application form at Peneraju.org

Overview

Timeline of Application

Key Roles in Process

Talent & ALTI

Yayasan Peneraju

Talent & Yayasan Peneraju

Apply @ ALTI

Apply

Verification

Training & Certification/Claim & PaymentAcceptance

Approval

21 Working Days*

*However, do take note, it may exceed the 21

working days during peak application season.

How to Register

Account Creation

1. Open your web browser and

visit: Peneraju.org

Click on "Register" to

begin

Account Creation

Fill in your personal details

• Full Name as per NRIC

• NRIC

• Confirm NRIC

Click on NEXT button to register.

Account Creation

Fill in your personal email details

• Enter personal email address

• Password

• Confirm Password

Click on REGISTER button to

Note: Please insert your personal email address,

not work or business email address.

Please refer to your email and

verify your email address

• Click on the Verify Email

Address

• Check Spam/Junk Mail folder if

email is not in inbox

Account Creation

Correct Process for Fixing Key Registration Errors on Peneraju.org

(Wrong details eg full name, NRIC, or e-mail (work/university email) entered at Sign-up)

1. Log in with the credentials you just created.

2. Navigate to Profile ▸ Security.

3. Click Delete Account and confirm the prompt.

4. Auto Log out and automatically return to the home page,

and register again after 24 hours, this time entering the correct

o Full Name (exactly as on NRIC / passport)

o NRIC

o E-mail address

Unverified accounts expire automatically

• Every new registration must be verified within 24 hours (check in Spam/Junk mail too). If the e-mail

address is wrong, the verification link never reaches you, and the system will automatically remove

the profile exactly 24 hours after it was created.

Once an account is deleted, every record tied to that login is wiped, so you can start afresh

with the right details. If you have already submitted an application, such application will be

automatically deleted from the account.

Account Deletion

How to Apply

Application

Once account is created, please login to

Peneraju.org

• Enter your registered email and

password

Application

Please click on the Services button on

the left corner of the home page

• Select Apply Financing to

start your application

Application

Select one package from

the options provided:

Silver, Gold, or Platinum

based on your preference

Application

Select Your Course: Choose your

preferred course and secure your placement

at one of our Approved Learning and

Training Institutions (ALTI).

Fill in Course Details: Refer to your

Offer Letter from the ALTI for the

following:

• Expected Start Date

• Expected End Date

Complete Enrolment/Acceptance: Upload

the Offer Letter/Proof of Registration (with

Fee Structure for Professional ONLY) from

your chosen ALTI during the enrolment

process.

Letter of Offer / Proof of Registration must

have:

1. Full Name as per NRIC

2. NRIC number of Applicant

3. Course Name

4. Mode of Study

5. Start Date of Training

6. End Date of Training

7. Fee Structure (if applicable)

8. Confirmation of Current Student Status (if

applicable)

Deferment Due to Company Rules – What

ALTIs Must Do

Common Company-Related Reasons for Deferment

• Business-critical project or peak season prevents study

leave

• Mandatory job rotation / transfer clashes with class schedule

• Overseas assignment issued after enrolment

• Company policy limits release time for new staff in probation

• Unexpected restructuring or long-term secondment

*Key reminder: A deferment without an updated LO may breach the EFSA timeline and push the scholar into Exit Recovery. Always

formalize the new dates up-front.

Scholar Status Required Action Next Step for the Scholar

Already Applied / Accepted

(Active Scholar)

1. Issue an Amended LO with the

extended end-date.

2. Give the LO to the scholar and advise

them to file an Exit Financing request

the portal using reason: “Deferment –

Company Requirement.”

• YP Finance & Recovery will close the file.

• Once the Exit is cleared, the scholar may

re-apply under the new timeline.

New Applicant

(Has not yet registered or

submitted financing request)

1. Prepare the Amended LO before

the scholar registers on

Peneraju.org.

2. Ensure the LO shows the correct intake

and extended completion date.

• Scholar uploads the updated LO during

their initial application—no Exit Financing

needed.

Funding for Ongoing Students for

Professional programme

What We Need: Confirmation of Current Student Status Letter

YP can finance students who are already enrolled, but coverage starts only from the

current semester onward. Any fees paid in earlier semesters remain the student’s responsibility.

Compulsory Field Why It Matters

Full Name (as per NRIC) Matches ALTI LO and portal profile

NRIC / Passport No. Unique identifier for financing records

Department / School Verifies the faculty delivering the programme

Programme Name Must align with YP-approved course list

Intake (month & year) Confirms original enrolment cohort

Mode of Study – Full-Time / Part-Time Determines the correct mode of study

Current Semester – Semester X (DD-MM-YYYY →

DD-MM-YYYY)

Defines the current semester

Application

Continue to fill up the application form, upload all the

requested/mandatory Certified True Copy (CTC)

documents and click SUBMIT.

Documents mandatory to CTC:

1. Applicant's NRIC copy (front and back)

2. Applicant's birth certificate copy

3. Applicant's bank statement (with visible Bank,

Bank Account no. and Bank Account Owner

matches with the applicant

Documents optional to CTC:

1. Applicant's latest pay slip

2. Applicant's SPM slip or equivalent (IGCSE)

3. Applicant's academic transcript (STPM, Diploma,

Degree,etc.)

*Please be advised that for post-SPM applicants, it is mandatory

to upload your Certified True Copy of your SPM slip.

Application

Continue to fill in all your details for the following categories :

- Profile

- Address

- Academic History

- Bank Info

Application

Application Accepted:

You will receive the approval notification

via email and Peneraju.org

Application

Application Rejected:

You will receive a rejection notification via

email and Peneraju.org. You may reapply for

the financing scheme.

Please log in to your existing account and

submit a new application for your desired

course.

Pending

• What it means – The application

has been submitted and logged in

the system

• Who acts next – YP System

• Typical actions – Initial

completeness check, basic

eligibility flags.

• Tip for ALTIs – Advise

applicants to double-check

document names & formats

before submission; this prevents

early rejection loops.

Review

• What it means – A YP System &

Officer is actively vetting the file.

• Checks performed:

• Authenticity of Offer Letter /

Proof of Registration.

• Programme matches approved

list & session dates.

• Fee breakdown complies with

the relevant financing package.

• Any outstanding repayments

from previous YP schemes.

• Possible outcomes:

• Approved (next stage).

Approved

• What it means – Application

passes all vetting; Letter of Offer

(LO) and Education Financing

Scheme Agreement (EFSA) are

in process of auto-generated.

• Email sent to applicant with:

• LO (PDF, signable).

• EFSA (PDF, signable).

• Deadline (usually 7–14 days) to

sign and upload.

Incomplete

• What it means – LO/EFSA

issued, but signed copies have

not been returned or were

uploaded with errors (e.g.,

unsigned pages, missing witness

signature).

• Applicant options:

• Upload corrected documents

(moves to Signed).

• Risk – If the deadline lapses, the

application auto-expires and must

be restarted.

Signed

• What it means – Applicant has

uploaded the fully signed LO &

EFSA; awaiting YP counter-sign

& acceptance.

• Officer checks:

• All pages signed / initialled.

• Correct IC number and witness

details.

• Dates fall within the valid

window.

Accepted

• What it means – Documents are

verified and counter-signed;

candidate becomes an Active

YP Scholar.

• System unlocks:

• Claim forms for the first

reimbursement /

disbursement tranche.

Application Process

Application

Common “Incomplete” Triggers

(Any one of these ill push the file back to Incomplete. Amend it > re-upload > status

moves

to Signed)

Category What Went Wrong Typical Examples

Missing or wrong

signatures / initials

LO or EFSA not signed in the right spots, no

initials on each page, or e-signature pasted as

text.

• Signature box blank

• No initials bottom-right pages• Applicant signed

in witness box

LO acceptance not crossed Applicant forgot to strike out Reject (or Accept). “Accept / Reject” line left untouched

Witness or guarantor issues

Page 9 witness box unsigned OR guarantor form

(Appendix B) missing / NRIC mismatch.

• No witness on EFSA

• Guarantor NRIC differs from Peneraju.org

Missing pages / extra pages

LO (3 pp) or EFSA (14 pp) not complete, extra

blank pages inserted.

Uploaded file = 11 pages instead of 14

Wrong or altered format

Converted to Word, layout shifted, dates or YP

fields edited.

• Margin moved

• User changed LO date

Unreadable scan / photo

System can’t OCR the file; pages blurry or

cropped.

Taken with phone camera in low light

Incorrect personal data Address mismatch, wrong NRIC keyed in, etc. Mailing vs residential address differ

Late return LO/EFSA not re-submitted by the deadline. 7-day window expired

Application

How to Clear the “Incomplete” Status

• Download fresh documents from the portal Letter of Offer and Education

Financing

Scheme Agreement (LO & EFSA).

• Fill and sign correctly

 Strike out Accept / Reject on LO.

 Sign the signature area.

 Add digital/hand-written initials bottom-right of every EFSA page (except

cover).

 Page 9: Applicant + Witness; Appendix B: Guarantor.

• Scan as one clear PDF / merge in one (1) PDF – keep original layout; 3 pages LO,

pages EFSA and 17 pages (minor) EFSA.

• Upload in the two required slots

 Signed Letter of Offer

 Signed Education Financial Scheme Agreement

• Click Submit.

Application Stage – Who Does

What?

Action by Key Actions & Deliverables

ALTI (Approved

Learning

Training

Institution)

1. Issue Letter of Offer (LO) showing programme, intake, study mode, fee, etc.

2. Provide official Fee Structure (semester-by-semester) applicable for certain courses.

3. If the student is already enrolled, prepare a Confirmation of Current Student Status Letter

(one

page, signed, ≤ 30 days old).

4. Assist prospects during briefing sessions—explain guarantor, witness, and signing rules.

5. Respond quickly to YP e-mails that request verification of offer letters or fee details.

Applicant / Talent

1. Create an account on Peneraju.org and complete the profile (name, NRIC, bank details, etc).

2. Upload LO, proof of registration, and supporting docs in PDF.

3. Select the correct financing package that matches the course fee and study mode.

4. Monitor status (Pending → Review → Approved → Incomplete → Signed → Accepted).

5. Download, sign & initial the auto-generated LO & EFSA; strike out Accept/Reject; arrange

witness/guarantor that is required.

6. Scan & upload signed LO/EFSA before the deadline; correct any “Incomplete” status.

YP (Operation,

Finance &

Recovery Teams)

1. Run eligibility and duplicate-funding checks.

2. Verify authenticity of LO / registration evidence, fee structure, etc.

3. Generate LO & EFSA, e-mail to applicant.

4. Review signed copies → counter-sign and set status to Accepted.

5. Unlock first-tranche claim forms and change applicant tag to Active Scholars.

How to Exit Financing

Exit Financing

Exit means the candidate pulls out of the YP financing process for any reason

before completing the sponsored course. It covers two distinct situations:

Exit before Acceptance

The candidate ithdra s before YP countersigns and the status turns

“Accepted.”

• The application is automatically Deleted.

• No funds have moved, so nothing needs to be repaid.

• The candidate is free to start a new application for the same course or a

different one at any time.

Exit after Acceptance

The scholar leaves after YP has accepted them and possibly reimbursed some costs

(tuition, exam fees, allowance).

• YP opens an Exit Recovery case:

• Finance tallies every payment already made.

• Recovery Department issues a Clearance Letter showing either

- a Recovery Amount (to be repaid), or

- a Zero-Balance if no money was disbursed.

• Once any required repayment is settled or if the balance is zero the case is

closed and the individual may apply for another YP scheme.

Exit Financing

Stage Pre-Acceptance

(Pending → Signed)

Post-Acceptance

(Active Scholar)

What “Exit” Means

Candidate withdraws before YP

countersigns the EFSA, so they

never become an Active Scholar.

Scholar terminates or is terminated

after Acceptance but before programme

completion.

Typical Reasons • Change course/certification

• Intake deferred

• Personal matters

• Received another Sponsorship or

Financing

• Drop-out or academic failure

• Voluntary opt-out

• Medical Reason

• Deceased

Key Reference Points • Application auto-deleted in the portal.

• No funds disbursed → no repayment

owed.

• Candidate may re-apply immediately

if circumstances change.

• YP opens an Exit Financing case.

• Finance checks whether any claim

disbursements / reimbursements

have been paid.

• Case is handed to Recovery

Department for clearance.

Exit Financing Form

How to Submit Completion

Submit Completion

Completion: the talent finishes all classes and exams within the agreed

timeline, submits the final documents, and makes any last claims.

• If they pass everything on the first try, only Platinum package

financing is converted into a scholarship.**

• Once YP verifies the results and closes the file, the scholar’s

portal badge switches to “Alumni,” giving them access to

Peneraju Alumni perks.**

** Refer to the Financing Scheme Terms and

Conditions

Submit Completion

Term Meaning in YP Context Evidence Required

Completion

Scholar has fulfilled all

academic requirements of

the approved course ithin

the financing time limit.

• Final transcripts / All exam

slips

• Award certificate

• ALTI completion

confirmation letter

Successful Completion

Scholar also meets Platinum

“straight-pass” or

equivalent conditions,

making them eligible for

loan-to- scholarship

conversion.

• All papers passed on first

attempt

• ALTI completion

confirmation letter

• ALTI graduation letter

Programme Closure

YP’s internal step to close the

financing file and migrate

scholar to Alumni status.

• All claims settled

• Completion verified in portal

Submit Completion Form

Authorized Officers

Certified True Copy (CTC) Authorized Officers

Categories

1. Management and Professional Officers (Group A - Government Officers Grade 41 and above)

2. Licensed Advocates and Solicitors

3. Justices of the Peace

4. Principals/Headmasters (Government Schools)

5. Police Officers with the rank of ASP or higher

6. Military Officers with the rank of Captain or equivalent and above

7. Village Heads, Imam Masjid, Penggawa, Tuai Rumah, or Mukim Chiefs with official credentials

8. Notary Public

9. Commissioner for Oaths

The required Certified True Copy (CTC) documents may be verified by any of the following authorized

officers:

LO-EFSA Process

Candidates' Guidelines

UPLOAD

Once your application is approved, you will

receive

an email notification. You can also check

your status at Peneraju.org.

Download and review the Letter of Offer (LO)

and Education Financing Scheme Agreement

(EFSA) from your email or at Peneraju.org

If you choose to ACCEPT the offer, fill in the

necessary information in the LO and EFSA and

SUBMIT

DOWNLOAD

TALENTS

ACCEPTANCE

FLOW

Click on your INCOMPLETE

application

Upload signed LO and EFSA documents at

the DOCUMENT section

Click SUBMIT to complete the submission

of LO and EFSA

CLICK

Guidelines for Candidates Wishing to Decline the Financing Scheme Offer

1. Prior to LO and EFSA Acceptance – No Action Required:

• If you do not wish to proceed with our financing scheme, no further action is necessary.

• Letter of Offer (LO) and Education Financing Scheme Agreement (EFSA) that

are not uploaded in your application within 7 working days from the date of

issuance, your application will be considered as rejected/declined by your end.

2. Post LO and EFSA Acceptance – Formal Exit Process:

• Log on to your profile at Peneraju.org.

• Submit a formal request for withdrawal through the Peneraju.org portal

• Click ''Exit Financing'' at the ''Services'' section and fill in the Request for Financing Exit

• Ensure the withdrawal process is completed to formally terminate your application.

• Note that talents exiting the scheme midway of studies may subject to payback for recovery.

3. Contact for Support:

• If you need assistance, please contact our helpdesk team at askme@peneraju.org.

Financing Scheme Offer Rejection

Guidelines

Letter of Offer (LO)

Guidelines and Instructions to Fill in the Letter of

Offer

• Candidates must review all details and verify the accuracy of the Name, Mailing Address, and

NRIC number in the Letter of Offer (Refer to Letter of Offer page 1).

• Note on the actions required below:

Documents in Letter of Offer Action Required

Appendix A (Acknowledgement Form)

Refer page 2

Complete the form with accurate information.

Appendix B (Financing Scheme Details)

Refer page 3

Verify that the details of the financing scheme

including the approved amount and course name

match your profile at Peneraju.org.

SAMPL

You are required to verify the details and information of the Letter of Offer are correct.

Ensure that

there are no

errors in your

name, mailing

address and

Identification

Card (NRIC)

number

Letter of Offer (refer page

Ensure your

course, ALTI

name,

approved

amount (refer

dashboard in

Peneraju.org)

and validity

period are

correct &

accurate

Letter of Offer (refer page

SAMPL

APPENDIX A (ACKNOWLEDGEMENT FORM)

You are required to complete and submit the Appendix A (Acknowledgement Form) as an

official response to the offer.

Please fill in your details

clearly and use CAPITAL

LETTERS only.

If you ACCEPT the offer ->

cross out the word 'Reject'.

If you REJECT the offer -> cross

out the word ‘Accept’.

Upon completion, you are

required to place your

signature, put your name and

date at the bottom of the form

Letter of Offer (refer page

SAMPL

APPENDIX A (ACKNOWLEDGEMENT FORM) FOR UNDER 18 YEARS OLD

You are required to complete and submit the Appendix A (Acknowledgement Form) as an

official response to the offer.

Please fill in your guardian's

details and your details

clearly using CAPITAL

LETTERS only.

If you ACCEPT the offer ->

cross out the word 'reject'.

If you REJECT the offer -> cross

out the word ‘accept’.

Upon completion, you are

required to place your

signature, put your name and

date at the bottom of the form

Letter of Offer (refer page 3)

SAMPL

APPENDIX B (FINANCING SCHEME DETAILS)

You are required to review the Financing Scheme details

including the Approved Amount, Course, Coverage of the

Financing Scheme, etc.

Education Financing Scheme Agreement

(EFSA)

The Education Financing Scheme Agreement (EFSA) contains seven (7) main sections that require your attention and

action as outlined below:

Documents Financing Scheme Agreement Action Required

Front page of the Agreement (refer Guideline slide 13)

Verify that the date of the Agreement matches the date on Page

1 of the Financing Scheme Agreement

Body of the Agreement – clauses

Read and fully understand the important clauses in the

Agreement. (Page 3-9)

Signatory page - Agreement (refer slide 15)

Fill in your information clearly by providing both your details and the

witness' details. (Page 10)

Appendix A: Talent’s Financing Scheme Details

(refer slide 16)

Check the financing scheme details to ensure the accuracy of all

the information provided. (Page 11)

Appendix B: Guarantee Letter (refer slide 17)

(Only for those who applied PLATINUM package)

Fill in your information clearly by providing both your details and the

guarantor's details (Page 12)

Appendix C: Repayment of Financing Scheme (refer slide

19)

Please note that the repayment financing scheme details

provided are for reference only and are not final. The finalized

details will be issued with the Letter of Disbursement (LOD). (Page

13)

Appendix D: Guardian Letter (refer slide 20)

Fill in your information clearly by providing both your details and the

guardian's details. (Page 14)

Guidelines and Instructions to Fill in

the Education Financing Scheme

Agreement

Education Financing Scheme Agreement (EFSA)

(refer front page)

SAMPL

Education Financing Scheme Agreement

(EFSA)

(refer page 10)

''Talents''

Please fill in your

details clearly

and

use CAPITAL

LETTERS

ONLY

''Witness''

Please fill

Witness’ details

clearly and use

CAPITAL

LETTERS ONLY

Please leave

this section

empty

Signatory

page

(agreement)

Criteria for Witness is as

follows:

1. Malaysian citizen.

2. Age above 18 years old.

3. Sane and able to

identify Talent.

Education Financing Scheme Agreement (EFSA)

(refer page 11)

Ensure all

information

are correct

and accurate.

Appendix A: Talent’s Financing Scheme Details

Education Financing Scheme Agreement

(EFSA)

(refer page

12)

Please complete

the guarantor

information clearly

and use CAPITAL

LETTERS only.

Please complete

the Talent's

information clearly

and

use CAPITAL

LETTERS

only.

Appendix B:

Guarantee Letter

(for all package)

Guarantor are

required to

place their

signature

& complete the

information

clearly and use

CAPITAL

LETTERS only.

SAMPL

Criteria for

Guarantor

A guarantor is compulsory for all Financing Scheme packages.

The guarantor must be:

• Malaysian citizen, residing in Malaysia

• Between 21 – 60 years old

• Good credit standing with no history of bankruptcy

• A family member or an individual in close relationship with the Talent

• If a guarantor becomes unfit (deceased, mentally unstable, bankrupt, etc) during the duration of the

Financing Scheme agreement, responsibility will be on the Talent to inform Yayasan Peneraju and

provide details of a new guarantor

Education Financing Scheme Agreement (EFSA)

(refer page 13)

Appendix C: Repayment of Financing Scheme

The repayment table is for reference purposes only. The finalized repayment details will be shared once

the Talent has completed/exited the Financing Scheme.

SAMPL

Education Financing Scheme Agreement

(EFSA)

(refer page

14)

Please complete

the guardian

information clearly

and

use CAPITAL

LETTERS

only.

Please complete

the Talent's

information clearly

and

use CAPITAL

LETTERS

only.

Appendix D:

Guardian Letter

(Applicable for

Talents under

18 years old)

Guardian are

required to

place their

signature

& complete the

information

clearly and use

CAPITAL

LETTERS only.

SAMPL

Education Financing Scheme Agreement (EFSA)

Signature/initial

by Talent only

It is compulsory to place your initials at the bottom-right corner of each page of the

Financing Scheme Agreement, excluding the cover page, as follows:

SAMPL

Mohd

Important Notice:

• You are required to upload the Letter of Offer (LO) and Education Financing Scheme

Agreement (EFSA) within 7 working days from the date of issuance. Late uploads will be

considered as a rejection of the offer and may require re-application from the beginning.

• The Letter of Offer and Education Financing Scheme Agreement that are

incomplete, not following instructions, or smudged may be returned or rejected.

• Yayasan Peneraju will not be held responsible for any delays caused by such issues.

Strict Compliance:

• If any content in the documents listed is found to have been altered without the

knowledge or consent of Yayasan Peneraju, Yayasan Peneraju holds the absolute

right to revoke the offer.

Stamp Duty Process:

• The stamping process for the Financing Scheme Agreement will be handled by Yayasan

Peneraju.

Important Reminder

What Happens After You Submit the Signed Letter of Offer and Education

Financing Scheme Agreement?

• Email Notification:

• You will receive an email notification on your acceptance status within 14 working

days upon submission of your complete acceptance documents.

• Please check both of your inbox and junk/spam folders for the notification.

• Status Update:

• Once your status changes to "Talent" (in your Peneraju.org Talent Profile), you may

proceed with payment or claim submission.

• Contact for Assistance:

• If your status is not visible, contact the helpdesk team at askme@peneraju.org for

further assistance.

What Next?

Claim Process

Candidates' Guidelines

This guidelines provides comprehensive instructions for talents on how to

complete and submit the claim. It includes guidelines on the required

documents for claims, reminders, and notifications for filling out and

uploading the claim form, as well as confirmation of successful submission.

Overview

Guidelines to Submit Claim

(Disbursement)

STEP 1

STEP 2

STEP 3

TALENT

ALTI

ALTI SUBMIT INVOICE

ALTI send official invoice to Talent for payment

purposes

TALENT CLAIMS FROM YP

Talent submit official invoice to YP for

disbursement

YP DISBURSE TO TALENT

YP reviews the claim. If approved disbursement will

be made to Talent

Guidelines to Submit Claim

(Reimbursement)

STEP 1

STEP 2

STEP 3

STEP 4

TALENT

ALTI

TALENT PAYS TO ALTI

Talents make payment to ALTI upon receiving

official invoice

ALTI SUBMIT RECEIPT

ALTI provide an official receipt to Talent as a proof

of payment

TALENT SUBMITS CLAIM TO YP

Talent submits claim to Yayasan Peneraju (YP)

including the ALTI official invoice and receipt

YP REIMBURSES TO TALENT

YP reviews the claim. If approved reimbursement

will be made to Talent

Payment Process Flow

Talent obtains

invoice for

payment

(Performa Invoice

not accepted)

Talent submits

disbursement

claim to YP

Talent receives

claim amount

Talent pays ALTI

Talent submits

proof of

payment (ALTI

official Receipt)

to YP

Talent obtains

invoice for

payment

(Performa Invoice

not accepted)

Talent pays to

ALTI

Talent submits

reimbursement

claim (invoice

and ALTI official

Receipt) to YP

Talent receives

claim amount

Method 1: Disbursement (Advance)

Payment

• Claim-and-Pay method.

• Commonly used for short term or semester-based courses.

Method 2: Reimbursement (Claim) Payment

• Pay-and-Claim method.

• Commonly used for courses that require advance payment prior to financing approval.

How to Submit Claim

This document provides comprehensive instructions for talents on how to

complete and submit the claim. It includes guidelines on the required

documents for claims, reminders, and notifications for filling out and

uploading the claim, as well as confirmation of successful submission.

Overview

Guidelines to Submit Claim

You will receive a notification email once

your financial scheme application package

is accepted by Yayasan Peneraju.

Guidelines to Submit Claim

Open your web browser

and visit: Peneraju.org

Click on "Login" to

access your profile

Guidelines to Submit Claim

Your status will be updated to

"Accepted" upon the

successful application.

Guidelines to Submit Claim

Click ''Services'' on top left

Click ''Submit Claim'' menu.

Guidelines to Submit Claim

Click on "New" to start your

claim submission

Guidelines to Submit Claim

Enter the Semester Start Date

& Semester End Date based

on registration letter etc.

Tick on "final claim" if you are

making a final claim, if not

untick this box.

Choose your submit claim

1. Disbursement or

2. Reimbursement

Guidelines to Submit Claim

How the “Draft Lock” Works on the Claim Statement Page

• Click New → Draft Created

• The moment you hit New, the system auto-generates a blank Draft row

(amount = RM 0.00).

• You are taken into the claim-entry form.

• Back Out Early? The Draft Stays

• If you exit the form without submitting, that Draft remains in your table

(see second screenshot).

• While any Draft exists, the system prevents duplicate work and

disables a fresh New claim.

Two Options Only

If you still need the claim If you want to start over

Click the Draft row to reopen it, finish

entering the line items, then Submit.

Click the delete icon inside the Draft

to remove it. Once the Draft is gone,

the purple New button re-appears

(first screenshot) and you can start a

brand-new claim.

Payment Methods

Type of payment Payment Method

Reimbursemen

t (Pay &

Claim)

1. Talent makes payment directly to ALTI.

2. Talent claims reimbursement from Yayasan Peneraju with

providing proof of payment by upload to Peneraju.org

Disbursement

(Invoice

Method)

1. YP disburse the approved amount to talents via their

personal bank accounts.

2. Talents are required to pay to ALTI and provide the proof of

payment and upload it to Peneraju.org

Split Your Claim Lines When One Receipt

Covers Multiple Fees

Scenario Correct Way to Submit

One receipt lists several fee types — e.g. Tuition, Exam,

and

Learning Materials appear on the same invoice/receipt.

Create a separate claim line for each item (Tuition

Fee, Exam Fee, Learning Materials Fee, etc.). Do NOT

lump them into a single line.

Proof-of-Payment and Supporting Docs

You may re-use the same PDF (scan of the official receipt

& bank slip, etc.) for each line, but…

o Enter only the amount that belongs to that specific

fee type.

o Make sure the figure matches exactly what the

receipt shows for that line.

*Portal rule: If you submit one line only hile the uploaded receipt clearly includes multiple fee items, the claim ill be

rejected.

Receipt Shows How to Enter in the Portal

Tuition Fee – RM 4,000 Line 1: Claim Type = Tuition Fee, Amount = RM 4,000

Exam Fee – RM 800 Line 2: Claim Type = Exam Fee, Amount = RM 800

Learning Materials – RM 200 Line 3: Claim Type = Learning Materials, Amount = RM 200

Upload the same official receipt + bank slip, etc. in both “Proof of Payment” and “Supporting Documents” slots for each

line.

*Submitting all three items under one claim line (e.g., Tuition Fee = RM 5,000), the claim ill be rejected.

Payment Method

Disbursement

(Proof of

Payment)

Disbursement Claim Submission Checklist

Claim Type Upload 1 – Proof of Payment / Invoice Upload 2 – Supporting Documents

1 Tuition Fee

• Official invoice from ALTI showing programme, semester,

dates, talent name, NRIC & amount

• Signed class timetable or semester schedule

• Offer/Acceptance letter referencing fee

2 Learning Materials Fee

• Vendor or ALTI invoice for books, e-books, software

licence, lab kit, etc.

• Course syllabus page that lists required materials

• Itemised purchase list (if bundled)

3 Exam Fee • Invoice from exam body (e.g., ACCA, ICAEW, etc.)

• Exam registration confirmation e-mail

• Exam timetable or admission ticket

4 Certification Fee

• Invoice from certification body (e.g., Microsoft, Google,

AWS, PMI, Oracle, ACCA, ICAEW, etc.)

• Confirmation that certification attempt has been

scheduled

• Candidate ID / eligibility letter

5 Professional Fee • Invoice for annual subscriptions fee (During Study)

• Notification e-mail or letter

• Screenshot of relevant details (if issued)

6 Registration Fee • ALTI invoice for one-off enrolment / matriculation fee

• Offer letter page showing registration charge

• Student ID confirmation

7 Allowance

Not available

• Class timetable provided by the ALTI

• Progress report or adviser confirmation that studies are

ongoing current semester (Start & End Date)

Guidelines to Submit Claim

Enter the Semester

Start Date & Semester

End

Date based on registration letter

etc.

Tick on "Final Claim" if you are

making a final claim, if not untick

this box.

Choose your submit claim

"Disbursement".

Disbursemen

Guidelines to Submit Claim

Click on "Add New Item" to

start your claim submission.

Tick 'Yes' or 'No' to confirm

whether the claim is final or

not.

Disbursemen

Guidelines to Submit Claim

Please select the Claim Type

accordingly to the invoice

received.

Disbursemen

Guidelines to Submit Claim

Compulsory to upload Proof of

Payment or Invoice. For

invoice or proof of payment

should not more than 30 days

during claim submission.

(Please rename the document

with claim type and your name

eg; Enrolment fee_Nazrul)

Upload Supporting

Documents eg; certification or

exam results

Disbursemen

*Disbursement ; provide receipt of payment in Proof of

Payment/Invoice

Guidelines to Submit Claim

Once all information and

documents are completely

filled in and uploaded you may

submit your claim by clicking

the "Submit" button.

Disbursemen

Guidelines to Submit Claim

You will receive an acknowledge email

of your claim submission from Yayasan

Peneraju.

Disbursemen

Guidelines to Submit Claim

The status in your account

will change to "Incomplete"

upon the acknowledgement

email received.

Click on "Financing ID"

to upload the "receipt"

for supporting document.

Disbursemen

Guidelines to Submit Claim

You will receive a notification email

once your claim submission has

been approved by Yayasan

Peneraju.

You may proceed with the

necessary proof of payment

documents such as;

1) Receipts

2) Transaction confirmation

Disbursemen

Guidelines to Submit Claim

Please make sure the uploaded

document/proof are accurate

before submitting the claim.

Disbursemen

Guidelines to Submit Claim

You will receive an acknowledgement

email upon your successful claim

application.

Disbursemen

Guidelines to Submit Claim

Your status in the dashboard

will change to "Completed"

once the claim has been

successfully processed and

accepted.

Disbursemen

Payment Method

Reimbursement

(Pay & Claim)

Reimbursement Claim Submission Checklist

Claim Type Upload 1 – Proof of Payment / Invoice Upload 2 – Supporting Documents

1 Tuition Fee • ALTI receipt stamped “PAID”

• Official invoice from ALTI showing programme, semester,

dates, talent name, NRIC & amount

• Bank statement showing amount online payment

2 Learning Materials Fee • Vendor or ALTI receipt stamped “PAID”

• Official invoice from Vendor or ALTI showing programme,

semester, dates, talent name, NRIC & amount

• Course syllabus page that lists required materials

• Itemised purchase list (if bundled)

3 Exam Fee

• Online payment confirmation / receipt stamped “PAID”

from exam body (e.g., ACCA, ICAEW, etc.)

• Official invoice from exam body

• Bank statement showing amount online payment

• Exam registration confirmation e-mail

• Exam timetable or admission ticket

4 Certification Fee

• Certification body receipt proof of payment stamped

“PAID” (e.g., Microsoft, Google, AWS, PMI, Oracle,

ACCA, ICAEW, etc.)

• Official invoice from certification body

• Confirmation that certification attempt has been

scheduled

• Candidate ID / eligibility letter

5 Professional Fee

• Receipt proof of payment stamped “PAID” for

professional-body annual subscription fee

• Official invoice from professional-body

• Notification e-mail or letter

• Screenshot of relevant details (if issued)

6 Registration Fee

• ALTI / Professional-body receipt stamped “PAID” for one-

off registration / enrolment / matriculation fee

• Offer letter page showing registration charge

• Student ID confirmation

7 Allowance

Not available

• Class timetable provided by the ALTI

• Progress report or adviser confirmation that studies are

ongoing current semester (Start & End Date)

Guidelines to Submit Claim

Enter the Semester

Start Date & Semester

End

Date based on registration letter

etc.

Tick on "Final Claim" if you are

making a final claim, if not untick

this box.

Choose your submit claim

"Reimbursement".

Reimbursemen

Guidelines to Submit Claim

Click on "Add New Item" to

start your claim submission.

Tick 'Yes' or 'No' to confirm

whether the claim is final or

not.

Reimbursemen

Guidelines to Submit Claim

Please select the Claim Type

accordingly to the invoice

received.

Reimbursemen

Guidelines to Submit Claim

Compulsory to upload Proof of

Payment or Invoice. For

invoice or proof of payment

should not more than 30 days

during claim submission.

(Please rename the document

with claim type and your name

eg; Enrolment fee_Nazrul)

Upload Supporting

Documents eg; certification or

exam results

*Reimbursement ; provide receipt of payment in Proof of

Payment/Invoice

Reimbursemen

Guidelines to Submit Claim

Once all information and

documents are completely

filled in and uploaded you may

submit your claim by clicking

the "Submit" button.

Reimbursemen

Guidelines to Submit Claim

You will receive a notification email

once your claim submission has

been successfully processed and

accepted by Yayasan Peneraju.

Reimbursemen

Guidelines to Submit Claim

Your status in the dashboard will

change to "Completed" once the

claim has been successfully

processed and accepted.

Reimbursemen

How to Claim Allowance

Allowance Workflow

**An Allowance claim cannot be submitted by itself. The form still requires at least one additional claim line (Tuition Fee, Exam

Fee, Registration Fee, etc.).

What’s Changing? Why It Matters

Single entry per semester – Active Scholars

now enter the Semester Start & Semester End

dates once.

Removes the need to create a separate claim every

3 months.

System-driven disbursement – The portal

automatically splits the semester span into

quarterly tranches (max 3 months each)

and triggers payment runs.

Fewer manual steps → faster, error-free allowance

payouts.

How to submit

o Go to Claim Statement → New.

o Choose payment type Reimbursement or Disbursement.

o Enter the official Semester Start and Semester End dates (as stated in the registration letter /

academic calendar / Confirmation that studies are ongoing current semester) that shows Start and

End date semester.

o Upload the usual supporting docs (timetable + attendance log).

o Click Submit. That’s it—no further action needed until the next semester.

Allowance Workflow

Example

Timeline

Semester: 20 Jul 2025 → 20 Dec 2025 (5 months total)

│

├─ 1st tranche auto-disbursed: 20 Jul – 19 Oct = 3 months

│

└─ 2nd tranche auto-disbursed: 20 Oct – 20 Dec = 2 months

**An Allowance claim cannot be submitted by itself. The form still requires at least one additional claim line (Tuition Fee, Exam

Fee, Registration Fee, etc.).

Allowance Workflow

Entering an Allowance

Claim

Screen

Elemen

What You Need to Know / Do

Claim Type

Pre-filled as Allowance once you choose it from the

drop-down.

Claim Amount

System auto-calculates based on the monthly rate ×

number of months you specified on the previous page.

Example: RM 3,600 for 5 months.

Grey Info Box

Confirms the number of months detected and reminds

you:

o If the claim covers > 3 months, YP will pay

the first 3 months now, then auto-disburse

the balance once Month 4 starts.

Supportin

Document

Mandatory. Combine into one PDF:

o Confirmation that studies are ongoing

current semester

o Class timetable

o Adviser / progress note (if any).

Save → Back to

Claim Table

The line will show Draft status until you add at least

one more fee line (Types 1-6) and press Submit.

**Allo ance cannot be submitted alone. Add more fee item (Tuition Fee, Exam Fee, Registration Fee, etc.) before clicking Submit

or the

claim ill be rejected.

Important Notice:

• The claim process takes 14 working days for response from the date of submission.

• Yayasan Peneraju will not be held responsible for any delays caused by such issues.

• After receiving the funds, the talent has 7 days to make payment to ALTI.

• When payment to ALTI has been made, the talent has to submit the Receipt of Payment

into Peneraju.org within 10 working days of receiving the funds in their bank account.

• FAILURE of payment and submitting Receipt of Payment into Peneraju.org, talent is

subjected to intervention and termination of contract by Yayasan Peneraju accordingly

Strict Compliance:

• If any content of the documents listed is found to be altered, Yayasan Peneraju holds

the absolute right to revoke the offer if fraud or forgery is detected.

Important Reminder

Claim Process

Review Incomplete Submitted Completed

Disbursemen

Pending

Completed

Reimbursement

Pending Review

Claim Stage – Who Does What?

Action by Key Actions & Deliverables

ALTI (Approved

Learning

Training

Institution)

1. Issue semester invoice (or exam/registration invoice, etc.) with programme details, student

name & NRIC, etc.

2. Provide confirmation that studies are ongoing current semester / class timetable /

attendance list and any learning-materials breakdown the student may claim.

3. Once paid, stamp the invoice “PAID” and give the receipt to the talent / student for upload.

4. Reply to YP clarifications on fee codes or intake dates.

Applicant / Talent

1. Log in → Claim Statement → New.

o Disbursement: attach unpaid invoice.

o Reimbursement: attach paid invoice and bank/FPX slip, etc.

2. Click Submit (status = Pending).

3. If claim returns Incomplete, upload clearer or corrected docs and Resubmit.

4. For Disbursement claims only: after YP credits the funds, pay the ALTI within 7 days and upload

o ALTI or Vendor receipt stamped “PAID”.

YP (Operation,

Finance &

Recovery Teams)

1. Review each claim: match amounts, verify documents, etc.

2. Mark Approved and pass to Finance for anti-duplicate check & Recovery for repayment check.

3. Once cleared, queue payment; update status to Completed and e-mail Payment Advice to the

Talent.

4. For disbursement claims, monitor proof-of-payment upload; revert to Incomplete if unclear /

missing.

5. Maintain audit trail and freeze new claims if outstanding issues persist.

Point of Reference

Item Department Email

Talent Application – matters relating to

application (for talents only)

1. Application Purposes

2. Technical Issues

Operations askme@peneraju.org

When sending an email to askme@peneraju.org include ;

1. Full Name as per NRIC

2. NRIC Number / Loan ID

3. Phone Number (Optional)

4. Screenshot/Photo of issue (FULL PAGE, if possible, don’t crop, include timing)

5. Describe Chronology of the issue - Description

Note to ALTI

ALTI Amendment Submission

Guideline

IMPORTANT TO NOTE

1. All proposals submitted are considered FINAL.

2. All published information must include pricing with SST.

3. Once course published on Peneraju.org, each ALTI is allowed to submit ONLY ONE round

of amendments with the provided template during the verification window.

4. The verification window is a scheduled period set by YP for ALTIs to submit change

requests, starting from the date the certification is published on Peneraju.org.

5. Any further changes after the deadline will be evaluated case-by-case.

REQUEST FOR CHANGE

MAKE THE

CHANGE