▁work ▁as ▁civil ▁servants . ▁It ▁is ▁part ▁of ▁the ▁shadow ▁bank ing ▁system ▁in ▁Malays ia . ▁ ▁The ▁borrow ers ▁are ▁restricted ▁to ▁employees ▁in ▁government ▁depart ments , ▁stat ut ory ▁bodies , ▁government - link ed ▁companies ▁or ▁municipal ▁coun c ils . ▁The ▁Congress ▁of ▁Un ions ▁of ▁Emp loy ees ▁in ▁the ▁Public ▁and ▁Civil ▁Services ▁( C UE P AC S ) ▁supports ▁these ▁lo ans ▁because ▁they ▁aid ▁civil ▁servants ▁in ▁over coming ▁financial ▁problems ▁and ▁reducing ▁borrow ing ▁from ▁loan ▁sh arks . ▁All ▁matters ▁rel ating ▁to ▁the ▁administration ▁of ▁these ▁lo ans ▁are ▁reg ulated ▁under ▁the ▁Cooper ative ▁Society ▁Act ▁of ▁ 1 9 9 3 . ▁ ▁Lo an ▁features ▁Cooper ative ▁lo ans ▁in ▁Malays ia ▁share ▁some ▁common ▁features ▁such ▁as : ▁ ▁Rep ay ment ▁by ▁sal ary ▁dedu ction ▁Pay ment ▁of ▁month ly ▁install ment ▁is ▁via ▁an ▁automatic ▁sal ary ▁dedu ction ▁by ▁a ▁government - related ▁body ▁called ▁the ▁National ▁Cooper ative ▁Mov ement ▁of ▁Malays ia ▁( ANG K AS A ). ▁Lo an ▁size ▁is ▁limited ▁to ▁R M 2 5 0 , 0 0 0 ▁( maxim um ▁allowed ) ▁or ▁to ▁the ▁maximum ▁install ment ▁amount ▁that ▁can ▁be ▁dedu cted ▁from ▁the ▁bor ro wer ’ s ▁sal ary . ▁Lo an ▁install ments ▁together ▁with ▁other ▁dedu ctions ▁cannot ▁exceed ▁the ▁maximum ▁ 6 0 % ▁limit ▁on ▁sal ary ▁dedu ctions ▁im posed ▁by ▁the ▁Public