Talent Guidelines

Operational Onboarding

YP/OPS/AO/EXT/DECK/2025/00005
Introduction
Financing Scheme
YP Financing Scheme
Silver Gold Platinum
Up to RM15,000 per application Up to RM30,000 per application Up to RM150,000 per application

Training / Tuition fee

Professional / Examination
fee

Yayasan
Monthly Allowance* No No Yes
Peneraju
Financing Repayment* 0% 50% 20%
Scheme
Scheme's limit for Talents
One-time only Multiple times Multiple times
to reapply

N/A
Convertible to Scholarship
(100% Scholarship until No Yes
if straight pass*
further notice)
* 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: 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

Official ALTI Receipt &

Deliverables Required
Exam Result (if available)
Application Process
Candidates' Guidelines
 Overview

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
Timeline of Application

Apply
Apply @ ALTI Verification Approval Acceptance Training & Certification/Claim & Payment
FS

21 Working Days*

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

working days during peak application season.

Key Roles in Process

Talent & ALTI

Yayasan Peneraju

Talent & Yayasan Peneraju

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 register.

Note: Please insert your personal email address, not work

or business or education email address.
Account Creation
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 Deletion
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
4. Upload the required document
• Proof of Enrolment / Acceptance: one clear PDF of
your Offer Letter / Proof of Registration.
The document must show:
• Full name (as per NRIC)
• NRIC number
• Course / programme name
• Mode of study (Full-Time / Part-Time)
• Training start & end dates
• Fee structure (if applicable)
Course Details – How to Fill It • Confirmation of Current Student Status (if
1. Pick your programme & ALTI you’re already studying)
• Course Name: select the exact programme you’re applying for. 5. Allowance question (Platinum only)
• Approved Learning & Training Institution: choose the ALTI that • Include allowance with your application? Select
issued your offer. Yes if your package includes monthly allowance;
2. Enter the official dates otherwise choose No.
• Expected Start Date / Expected End Date: copy them exactly • For Accounting and Full-Time course only.
from the ALTI Offer Letter / Proof of Registration (POR). Quick Tips
▪ If you are an ongoing student, use the current semester • Merge/Combine multi-page letters into one PDF (max 5 MB).
start–end dates. • Make sure dates and fees in the form match the letter
3. State the course fee exactly—mismatches trigger “Application Rejected”.
• If your Full Name/NRIC is wrong on the letter, get ALTI to
• Course Fee (RM): key in the total fee shown in the Offer Letter / reissue before you upload.
Fee Structure (incl. Exempted/Resit Fee, etc with % SST).
▪ Professional programmes only: attach the detailed fee
structure (semester/paper breakdown).
 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
Applicant Status Required Action Next Step for the Applicant
1. Issue an Amended LO with the extended • YP Finance & Recovery will close the file.
end-date. • Once the Exit is cleared, the talent may
Already Applied / Accepted 2. Give the LO to the talent and advise them re-apply under the new timeline.
(Active Talent) to file an Exit Financing request in the
portal using reason: “Deferment –
Company Requirement.”
1. Prepare the Amended LO before the • Applicant uploads the updated LO during
New Applicant
applicant registers on Peneraju.org. their initial application—no Exit Financing
(Has not yet registered or 2. Ensure the LO shows the correct intake needed.
submitted financing request)
and extended completion date.
*Key reminder: A deferment without an updated LO may breach the EFSA timeline and push the applicant into Exit Recovery. Alwa ys formalize the new dates up-front.
 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 → Defines the current semester
DD-MM-YYYY)
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.
Application
You will receive a notification email once
your financial scheme application package
is accepted by Yayasan Peneraju.
Application
Your status will be updated to
"Accepted" upon the
successful application.
 Application Process

Pending Review Approved Incomplete Signed Accepted

• What it means – The application • What it means – A YP System & • What it means – Application • What it means – LO/EFSA issued, • What it means – Applicant has • What it means – Documents are
has been submitted and logged in Officer is actively vetting the file. passes all vetting; Letter of Offer but signed copies have not been uploaded the fully signed LO & verified and counter-signed;
the system • Checks performed: (LO) and Education Financing returned or were uploaded with EFSA; awaiting YP counter-sign & candidate becomes an Active YP
• Who acts next – YP System • Authenticity of Offer Letter / Scheme Agreement (EFSA) are in errors (e.g., unsigned pages, acceptance. Talent.
• Typical actions – Initial Proof of Registration. process of auto-generated. missing witness signature, • Officer checks: • System unlocks:
completeness check, basic • Email sent to applicant with: missing guarantor details). • All pages signed / initialled. • Claim forms for the first
• Programme matches approved
eligibility flags. list & session dates. • LO (PDF, signable). • Applicant options: • Correct IC number and witness reimbursement / disbursement
• Tip for ALTIs – Advise applicants • Fee breakdown complies with • EFSA (PDF, signable). • Upload corrected documents details. tranche.
to double-check document names the relevant financing package. • Deadline (usually 7–14 days) to (moves to Signed). • Dates fall within the valid
& formats before submission; this • Any outstanding repayments sign and upload. • Risk – If the deadline lapses, the window.
prevents early rejection loops. from previous YP schemes. application auto-expires and must • Guarantor details
be restarted.
• Possible outcomes:
• Approved (next stage).
 Application
Common “Incomplete” Triggers
(Any one of these will push the file back to Incomplete. Amend it > re-upload > status moves
to Signed)
Category What Went Wrong Typical Examples
Missing or wrong signatures / LO or EFSA not signed in the right spots, no • Signature box blank
initials initials on each page, or e-signature pasted as • No initials bottom-right pages• Applicant signed
text. in witness box
Witness or guarantor issues Page 9 witness box unsigned OR guarantor form • No witness on EFSA
(Appendix B) missing / NRIC mismatch. • Guarantor NRIC differs from Peneraju.org
Missing pages / extra pages LO (3 pp) or EFSA (15 / 17 pp) not complete, extra Uploaded file = 11 pages instead of 15 / 17
blank pages inserted.
Wrong or altered format Converted to Word, layout shifted, dates or YP • Margin moved
fields edited. • User changed LO date
Unreadable scan / photo System can’t OCR the file; pages blurry or Taken with phone camera in low light
cropped.
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
▪ 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, 15
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
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.
ALTI (Approved
3. If the student is already enrolled, prepare a Confirmation of Current Student Status Letter (one
Learning Training
page, signed, ≤ 30 days old).
Institution)
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.
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.
Applicant / Talent 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.
1. Run eligibility and duplicate-funding checks.
YP (Operation, 2. Verify authenticity of LO / registration evidence, fee structure, etc.
Finance & Recovery 3. Generate LO & EFSA, e-mail to applicant.
Teams) 4. Review signed copies → counter-sign and set status to Accepted.
5. Unlock first-tranche claim forms and change applicant tag to Active Talents.
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 withdraws 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 talent 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 Post-Acceptance
(Pending → Signed) (Active Talent)
What “Exit” Means Candidate withdraws before YP Talent terminates or is terminated after
countersigns the EFSA, so they never Acceptance but before programme
become an Active Talent. completion.

Typical Reasons • Change course/certification • Drop-out or academic failure

• Intake deferred • Voluntary opt-out
• Personal matters • Medical Reason
• Received another Sponsorship or • Deceased
Financing
Key Reference Points • Application auto-deleted in the portal. • YP opens an Exit Financing case.
• No funds disbursed → no repayment • Finance checks whether any claim
owed. disbursements / reimbursements have
• Candidate may re-apply immediately if been paid.
circumstances change. • Case is handed to Recovery
Department for clearance.
Exit Financing Form
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 talent’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 Talent has fulfilled all • Final transcripts / All exam
academic requirements of the slips
approved course within the • Award certificate
financing time limit. • ALTI completion
confirmation letter
Successful Completion Talent also meets Platinum • All papers passed on first
“straight-pass” or equivalent attempt
conditions, making them • ALTI completion
eligible for loan-to- confirmation letter
scholarship conversion. • ALTI graduation letter

Programme Closure YP’s internal step to close the • All claims settled
financing file and migrate • Completion verified in portal
Talent to Alumni status.
Submit Completion Form
Submit Completion Form
Authorized Officers
 Certified True Copy (CTC) Authorized Officers

The required Certified True Copy (CTC) documents may be verified by any of the following 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
LO-EFSA Guidelines
Candidates' Guidelines
 Once your application is approved, you will receive
EMAIL 1 an email notification. You can also check your
status at Peneraju.org.

Download and review the Letter of Offer (LO) and

DOWNLOAD 2
Education Financing Scheme Agreement (EFSA)
from your email or at Peneraju.org
TALENTS 3
If you choose to ACCEPT the offer, fill in the

ACCEPTANCE
LOGIN
necessary information in the LO and EFSA and log in
to Peneraju.org using your account
FLOW CLICK 4 Click on your INCOMPLETE application

Upload signed LO and EFSA documents at the

UPLOAD 5
DOCUMENT section

Click SUBMIT to complete the submission of

SUBMIT 6
LO and EFSA
 Financing Scheme Offer Rejection Guidelines
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 [email protected].
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) Complete the form with accurate information.
Refer page 2

Appendix B (Financing Scheme Details) Verify that the details of the financing scheme
Refer page 3 including the approved amount and course name
match your profile at Peneraju.org.
 Letter of Offer (refer page 1)

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

Ensure that there are no

errors in your Full Name,
Mailing Address and
National Registration
SAMPLE

Identity Card (NRIC)

Ensure your Course, ALTI

Name, Funding Package,
Approved amount (refer
dashboard in Peneraju.org)
and Validity Period are
correct & accurate
 Letter of Offer (refer page 2)
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
SAMPLE

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 2)
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

Parent/Legal Guardian is required

SAMPLE

to place signature, put Name and

Date at the bottom of the form

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)
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.
SAMPLE
Education Financing Scheme Agreement (EFSA)
 Guidelines and Instructions to Fill in the
Education Financing Scheme Agreement
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 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 2-9)
Signatory page - Agreement Fill in your information clearly by providing both your details and the
witness' details. (Page 10)
Appendix A: Talent’s Financing Scheme Details Check the financing scheme details to ensure the accuracy of all the
information provided. (Page 11)
Appendix C: Guarantee Letter Fill in your information clearly by providing both your details and the
guarantor's details (Page 13) (Page 14 Minor)

Appendix D: Repayment of Financing Scheme Please note that the repayment financing scheme details provided
Appendix E: Repayment of Financing Scheme (Minor) are for reference only and are not final. (Page 14) (Page 16 Minor)
The finalized details will be issued with the Letter of Demand (LOD).

Appendix D: Guardian Letter (Minor) Fill in your information clearly by providing both your details and the
guardian's details. (Page 15 Minor)
 Education Financing Scheme Agreement (EFSA)
(refer front page)

Please be mindful LO-

EFSA LHDN stamping will
be handled by Yayasan
Peneraju staff. Please
remain the format of the
SAMPLE

LO-EFSA without
changing it

*Please upload a
complete pages of LO-
EFSA

EFSA Above 18 years old EFSA Below 18 years old

 Education Financing Scheme Agreement (EFSA)
(refer page 10)

Signatory page
(agreement)

Please leave this section empty

''Witness''
Please fill in
Witness’ details clearly
and use CAPITAL
LETTERS only
''Talents''
Criteria for Witness is as follows: Please fill in your details clearly
and use CAPITAL LETTERS only
1. Malaysian citizen.
2. Age above 18 years old.
3. Sane and able to identify
Talent.
 Education Financing Scheme Agreement (EFSA)
(refer page 10)

Signatory page
(agreement) for
under 18 years old
Please leave this section empty

''Witness'' ‘’Parent/Legal Guardian''

Please fill in Please fill in your details clearly
Witness’ details clearly and use CAPITAL LETTERS only
and use CAPITAL
LETTERS only
''Talents''
Criteria for Witness is as follows: Please fill in your details clearly
and use CAPITAL LETTERS only
1. Malaysian citizen.
2. Age above 18 years old.
3. Sane and able to identify
Talent.
 Education Financing Scheme Agreement (EFSA)
(refer page 11)

Appendix A: Talent’s Financing Scheme Details

Ensure all information

are correct and
accurate
 Education Financing Scheme Agreement (EFSA)
(refer page 12)

Appendix B: Please complete the

Guarantee Letter (for guarantor information clearly
and use CAPITAL LETTERS
all package) only

Please complete the Talent's

information clearly and
SAMPLE use CAPITAL LETTERS only

Guarantor are required to

place their signature
& complete the
information clearly and
use CAPITAL LETTERS
only
 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

*Please make sure the information guarantor same as in the profile of peneraju.org for YP officer review
 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.

SAMPLE
 Education Financing Scheme Agreement (EFSA)
(refer page 14)

Appendix D: Please complete the guardian

information clearly and
Guardian Letter
use CAPITAL LETTERS only
(Applicable for
Talents under 18
years old)
Please complete the Talent's
information clearly and
use CAPITAL LETTERS only
SAMPLE

Guardian are required to

place their signature
& complete the
information clearly and
use CAPITAL LETTERS only
Education Financing Scheme Agreement (EFSA)
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:

SAMPLE

Signature/initial by
Mohd Talent only
 Important Reminder
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.
 What Next?
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 [email protected] for
further assistance.
Claim Process
Candidates' Guidelines
 Overview
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.
 Payment Methods

Type of payment Payment Method

Disbursement 1. YP disburse the approved amount to talents via their

personal bank accounts.
(Invoice Method) 2. Talents are required to pay to ALTI and provide the proof of
payment and upload it to Peneraju.org
Reimbursement 1. Talent makes payment directly to ALTI.
2. Talent claims reimbursement from Yayasan Peneraju with
(Pay & Claim) providing proof of payment by upload to Peneraju.org
 Payment Process Flow
Method 1: Disbursement (Advance) Payment
• Claim-and-Pay method.
• Commonly used for short term or semester-based courses.

Talent obtains Talent submits

invoice for Talent submits proof of
Talent receives
payment disbursement Talent pays ALTI payment (ALTI
claim amount
(Performa Invoice claim to YP official Receipt)
not accepted) to YP

Method 2: Reimbursement (Claim) Payment

• Pay-and-Claim method.
• Commonly used for courses that require advance payment prior to financing approval.

Talent obtains Talent submits

invoice for reimbursement
Talent pays to Talent receives
payment claim (invoice
ALTI claim amount
(Performa Invoice and ALTI official
not accepted) Receipt) to YP
 Claim Process
Disbursement
Pending Review Incomplete Submitted Completed

Reimbursement
Pending Review Completed
 Guidelines to Submit Claim
Disbursement
STEP 1 ALTI SUBMIT INVOICE
ALTI send official invoice to Talent for payment
ALTI purposes

STEP 2 TALENT CLAIMS FROM YP

Talent submit official invoice to YP for
disbursement
TALENT

STEP 3 YP DISBURSE TO TALENT

YP reviews the claim. If approved disbursement will
be made to Talent
YP

STEP 4 TALENT PAYS TO ALTI

Talents make payment to ALTI upon receiving claim
TALENT from YP
 Guidelines to Submit Claim
Disbursement
STEP 5 ALTI SUBMIT RECEIPT
ALTI provide an official receipt to Talent as a proof
ALTI of payment

STEP 6 TALENT SUBMITS RECEIPT TO YP

Talent submits official receipt from ALTI to
Yayasan Peneraju (YP)
TALENT

STEP 7 YP APPROVED RECEIPT TALENT

YP reviews the official receipt. If the receipt
approved status will change Completed
YP
 Guidelines to Submit Claim
Reimbursement
STEP 1
TALENT PAYS TO ALTI
Talents make payment to ALTI upon receiving
TALENT
official invoice

STEP 2 ALTI SUBMIT RECEIPT

ALTI provide an official receipt to Talent as a proof
ALTI of payment

STEP 3 TALENT SUBMITS CLAIM TO YP

Talent submits claim to Yayasan Peneraju (YP)
TALENT including the ALTI official invoice and receipt

YP REIMBURSES TO TALENT
STEP 4 YP reviews the claim. If approved reimbursement
will be made to Talent
YP
How to Submit Claim
 Overview
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.
Guidelines to Submit Claim
Open your web browser
and visit: Peneraju.org

Click on "Login" to
access your profile
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
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 delete icon inside the Draft
to remove it. Once the Draft is gone,
Click the Draft row to reopen it, finish
the purple New button re-appears
entering the line items, then Submit.
(first screenshot) and you can start a
brand-new claim.
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
 Split Your Claim Lines When One Receipt Covers
Multiple Fees
Scenario Correct Way to Submit
Create a separate claim line for each item (Tuition Fee,
One receipt lists several fee types — e.g. Tuition, Exam, and
Exam Fee, Learning Materials Fee, etc.). Do NOT lump
Learning Materials appear on the same invoice/receipt.
them into a single line.
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
Proof-of-Payment and Supporting Docs
fee type.
o Make sure the figure matches exactly what the
receipt shows for that line.
*Portal rule: If you submit one line only while the uploaded receipt clearly includes multiple fee items, the claim will 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, 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 will 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, • Signed class timetable or semester schedule
dates, talent name, NRIC & amount • Offer/Acceptance letter referencing fee
2 Learning Materials Fee • Vendor or ALTI invoice for books, e-books, software licence, lab kit, • Course syllabus page that lists required materials
etc. • Itemised purchase list (if bundled)
3 Exam Fee EITHER: • Exam registration confirmation e-mail
• Professional-body / ALTI invoice • Exam timetable or admission ticket
OR (for Professional Accounting / Finance programme only): • (Compulsory if using other Currency) BNM FX rate
• Professional-body portal screenshot/printable PDF showing screenshot/printout (e.g., for USD/GBP fees) -
Talent name, e mail & fee amount https://www.bnm.gov.my/currency-converter
or *for BNM FX rate, ALTI is to assist and guide talent in the use
• ALTI Proforma Payment Advice (if ALTI pays first)
4 Certification Fee • Invoice from certification body (e.g., Microsoft, Google, AWS, PMI, • Confirmation that certification attempt has been scheduled
Oracle, etc.) • Candidate ID / eligibility letter
5 Professional Fee EITHER: • Notification e-mail or letter
• Exemption fee • Professional-body / ALTI invoice • Screenshot of relevant details (if issued)
• Annual subscriptions fee OR (for Professional Accounting / Finance programme only): • (Compulsory if using other Currency) BNM FX rate
• EPSM fee • Professional-body portal screenshot/printable PDF showing screenshot/printout (e.g., for USD/GBP fees) -
Talent name, e mail & fee amount https://www.bnm.gov.my/currency-converter
or *for BNM FX rate, ALTI is to assist and guide talent in the use
• ALTI Proforma Payment Advice (if ALTI pays first)
6 Registration Fee EITHER: • Offer letter page showing registration charge
• ALTI one-off enrolment fee • Professional-body / ALTI invoice • Student ID confirmation
• Matriculation fee OR (for Professional Accounting / Finance programme only): • (Compulsory if using other Currency) BNM FX rate
• ACCA Initial Registration fee • Professional-body portal screenshot/printable PDF showing screenshot/printout (e.g., for USD/GBP fees) -
Talent name, e mail & fee amount https://www.bnm.gov.my/currency-converter
or *for BNM FX rate, ALTI is to assist and guide talent in the use
• ALTI Proforma Payment Advice (if ALTI pays first)
7 Allowance • Registration Slip or Class timetable provided by the ALTI
Not available • Progress report or adviser confirmation that studies are ongoing
current semester (Start & End Date)

YP/OPS/AO/EXT/DECK/2025/00005
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".

Disbursement
Guidelines to Submit Claim
Tick 'Yes' or 'No' to confirm
whether the claim is final or
not.

Click on "Add New Item" to

start your claim submission.

Disbursement
Guidelines to Submit Claim
Please select the Claim Type
accordingly to the invoice
received.

Disbursement
 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

*Disbursement ; provide receipt of payment in Proof of Payment/Invoice Disbursement

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.

Disbursement
Guidelines to Submit Claim
Please make sure the uploaded
document/proof are accurate
before submitting the claim.

Disbursement
Guidelines to Submit Claim
You will receive an acknowledge email
of your claim submission from
Yayasan Peneraju.

Disbursement
Guidelines to Submit Claim
You will receive an acknowledgement
email upon your successful claim
application.

Disbursement
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) Official Receipts
2) Transaction confirmation

Disbursement
Guidelines to Submit Claim
The status in your account
will change to "Incomplete"
upon the acknowledgement
email received.

Click on "Claim ID" to

upload the "receipt" for
supporting document.

Disbursement
Guidelines to Submit Claim
Once you upload the official
receipt and submit the claim, its
status on the dashboard will
change to “Submitted.”

After the claim is reviewed and

approved, the status will update
to “Completed.”

Disbursement
Payment Method
Reimbursement
(Pay & Claim)
 Reimbursement Claim Submission Checklist
Claim Type Upload 1 – Proof of Payment / Invoice Upload 2 – Supporting Documents
1 Tuition Fee • Receipt stamped “PAID” from ALTI • Official invoice from ALTI showing programme, semester,
dates, talent name, NRIC & amount
• Bank statement showing amount online payment
2 Learning Materials Fee • Receipt stamped “PAID” from vendor or ALTI • 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 • Receipt stamped “PAID” / online payment confirmation from exam • Official invoice from exam body
Professional-body / ALTI • Bank statement showing amount online payment
• Exam registration confirmation e-mail
• Exam timetable or admission ticket
4 Certification Fee • Receipt stamped “PAID” from Certification-body (e.g., Microsoft, • Official invoice from certification body
Google, AWS, PMI, Oracle, etc.) • Confirmation that certification attempt has been scheduled
• Candidate ID / eligibility letter
5 Professional Fee • Receipt stamped “PAID” from Professional-body / ALTI related fee • Official invoice from professional-body
• Exemption fee • Notification e-mail or letter
• Annual subscriptions fee • Screenshot of relevant details (if issued)
• EPSM fee

6 Registration Fee • Receipt stamped “PAID” from Professional-body / ALTI for one-off • Offer letter page showing registration charge
• ALTI one-off enrolment fee registration / enrolment / matriculation fee, etc. • Bank/FPX statement showing amount online payment
• Matriculation fee • Student ID confirmation
• ACCA Initial Registration fee

7 Allowance • Registration Slip, Class timetable provided by the ALTI

Not available • Progress report or adviser confirmation that studies are ongoing
current semester (Start & End Date)

YP/OPS/AO/EXT/DECK/2025/00005
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".

Reimbursement
Guidelines to Submit Claim
Tick 'Yes' or 'No' to confirm
whether the claim is final or
not.

Click on "Add New Item" to

start your claim submission.

Reimbursement
Guidelines to Submit Claim
Please select the Claim Type
accordingly to the invoice
received.

Reimbursement
 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

Reimbursement
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.

Reimbursement
Guidelines to Submit Claim
Please make sure the uploaded
document/proof are accurate
before submitting the claim.

Reimbursement
Guidelines to Submit Claim
You will receive a notification email
once your claim submission has
been successfully processed and
accepted by Yayasan Peneraju.

Reimbursement
Guidelines to Submit Claim
Your status in the dashboard will
change to "Completed" once the
claim has been successfully
processed and accepted.

Reimbursement
How to Claim Allowance
 Allowance Workflow
What’s Changing? Why It Matters
Single entry per semester – Active Talents now Removes the need to create a separate claim every
enter the Semester Start & Semester End dates 3 months.
once.
System-driven disbursement – The portal Fewer manual steps → faster, error-free allowance
automatically splits the semester span into payouts.
quarterly tranches (max 3 months each) and
triggers payment runs.

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.

**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

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
What You Need to Know / Do
Element
Pre-filled as Allowance once you choose it from the
Claim Type
drop-down.
System auto-calculates based on the monthly rate ×
Claim Amount number of months you specified on the previous page.
Example: RM 3,600 for 5 months.
Confirms the number of months detected and reminds
you:
Grey Info Box o If the claim covers > 3 months, YP will pay
the first 3 months now, then auto-disburse
the balance once Month 4 starts.
Mandatory. Combine into one PDF:
o Confirmation that studies are ongoing
Supporting
current semester
Documents
o Class timetable
o Adviser / progress note (if any).
Save → Back to The line will show Draft status until you add at least
Claim Table one more fee line (Types 1-6) and press Submit.

**Allowance cannot be submitted alone. Add more fee item (Tuition Fee, Exam Fee, Registration Fee, etc.) before clicking Submit or the
claim will be rejected.
 Important Reminder
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.
 Claim Stage – Who Does What?
Action by Key Actions & Deliverables
1. Issue semester invoice (or exam/registration invoice, etc.) with programme details, student
name & NRIC, etc.
ALTI (Approved
2. Provide confirmation that studies are ongoing current semester / class timetable / attendance
Learning Training
list and any learning-materials breakdown the student may claim.
Institution)
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.
1. Log in → Claim Statement → New.
o Disbursement: attach unpaid invoice.
o Reimbursement: attach paid invoice and bank/FPX slip, etc.
Applicant / Talent 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”.
1. Review each claim: match amounts, verify documents, etc.
2. Mark Approved and pass to Finance for anti-duplicate check & Recovery for repayment check.
YP (Operation, 3. Once cleared, queue payment; update status to Completed and e-mail Payment Advice to the
Finance & Recovery Talent.
Teams) 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)
Operations [email protected]
1. Application Purposes
2. Technical Issues

When sending an email to [email protected] 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
MAKE THE CHANGE