Our Services

WoW Financial Analyzer

Debt Restructuring

Debt restructuring is a comprehensive financial strategy aimed at reorganizing and managing existing debts to make repayment more manageable. This service is particularly beneficial for individuals or businesses facing financial challenges. Debt restructuring may involve negotiating with creditors for better terms, consolidating debts, or developing a new repayment plan to alleviate financial stress and foster a path toward financial stability.


Refinancing involves replacing an existing loan with a new one, often with better terms or interest rates. This financial strategy is commonly used for mortgages but can also apply to other types of loans. By refinancing, individuals or businesses can potentially reduce monthly payments, lower interest rates, or change the loan's duration, optimizing their financial arrangements to better suit their current circumstances.

Mortgage Loan

A mortgage loan is a specialized financing option for purchasing real estate, typically homes. It allows individuals to realize the dream of homeownership by providing a substantial amount of funds upfront. With various repayment options and terms, mortgage loans make it feasible for individuals and families to secure a property without bearing the entire financial burden upfront.

Personal Loan

A personal loan is a versatile financial solution tailored to meet individual needs. Whether you're planning a dream vacation, consolidating high-interest debt, or covering unexpected expenses, a personal loan provides a lump sum of money with a fixed interest rate and repayment period, empowering you to achieve your personal goals without the need for collateral.

SME Loan

Efficiently compute your Small and Medium Enterprise (SME) loan amortizations. Provide principal, duration, and interest parameters to strategically align with your corporate fiscal planning.

Koperasi Loan

Swiftly evaluate your cooperative financing conditions. Furnish loan specifics to receive a comprehensive amortization schedule and aggregate interest computations, enabling prudent financial decision-making.

Hire Purchase

Ascertain your periodic outlays for asset procurement. Input acquisition cost, initial payment, financing rate, and period to adeptly navigate your capital budgeting.

Insights Affordability

Illuminate your financial leverage. Enter revenue streams and expenditures to ascertain your borrowing or purchasing thresholds, ensuring fiscal prudence.

Credit Card Payoff

Chart a course towards financial solvency. Submit outstanding balances, annual percentage rates, and targeted resolution timelines to devise a robust credit card debt elimination strategy.


Execute discerning evaluations of diverse financial instruments. Input pertinent figures to obtain a comparative analysis of long-term fiscal impacts, facilitating strategic financial planning.

Koperasi Advance

An innovative financial solution tailored for government employees, facilitating precise loan repayment calculations and efficient payroll integration through Biro ANGKASA.

Mortgage Moratorium

An integrated financial platform offering holistic analysis of payment deferrals and fiscal implications for homeowners during moratorium intervals.

Credit Card Balance Conversion Moratorium

Streamline financial relief navigation, optimize installment assessments, and orchestrate credit management with precision during loan moratorium periods.

Personal Loan Moratorium

Enhance borrower financial stability with a strategic repayment framework, precise forecasting, and customized financial solutions during moratorium periods.

Hire Purchase Moratorium

Refine payment timetables, scrutinize interest consequences, and administer vehicular financial obligations with efficacy throughout moratorium phases.

Real Property Gain Tax (RPGT)

Is a tax on the profit you make when selling a property. If you sell a property for more than you bought it for, you may need to pay a portion of that profit to the government as tax. The amount you pay depends on how much profit you made and how long you owned the property.

Liquidated & Ascertained Damages (LAD/Late Vacant Possesion)

Liquidated damages are pre-agreed penalty fees in a contract for failing to meet obligations, like closing a sale on time. Ascertained damages are actual financial losses suffered due to a breach, such as lost rental income, determined by real calculations.