CIMB Islamic Bank Berhad has entered into a collaboration with Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) to encourage responsible loan repayment among Malaysian youth. The partnership introduces a RM500,000 cash prize pool as part of CIMB’s Shariah-compliant Daily Unrestricted Investment Account-i (DURIAN-i) ecosystem. The initiative aims to motivate PTPTN borrowers to manage their debt while building savings.
By connecting loan repayments with the DURIAN-i account, borrowers can take steps toward financial stability and wealth accumulation. This approach seeks to support young Malaysians in meeting their repayment obligations while fostering long-term financial planning.
According to PTPTN, more than 4.27 million borrowers have benefited from its loans, with total disbursements exceeding RM77.63 billion. The new “Setel PTPTN dengan CIMB” campaign will run from January 1, 2026, through December 31, 2026. It is designed to show that repaying student loans can be both beneficial and an opportunity for personal growth.
Ahmad Shahriman Mohd Shariff, Chief Executive Officer of CIMB Islamic, stated: “We are pleased to partner with PTPTN as we work to empower Malaysians with the right tools to build a more secure financial future, in line with our purpose of advancing customers and society. Education financing is often the first major financial commitment for many Malaysians, and through this collaboration, we aim to go beyond banking products by supporting PTPTN borrowers with practical solutions and knowledge that encourage disciplined savings, responsible repayment as well as long term wealth creation. By integrating flexible offerings such as our DURIAN-i account, we seek to make the journey toward financial independence more accessible, meaningful and rewarding.”
Mastura Mohd Khalid, Chief Operating Officer of PTPTN said: “This campaign is one of the best platforms to encourage more borrowers to carry out their responsibilities so that PTPTN loans can be continued for future generations. In addition, through this campaign, PTPTN borrowers who win cash prizes are also given additional financial support and indirectly help them repay their loans or make savings.”
The agreement builds on CIMB’s ongoing efforts in promoting financial inclusion by incorporating discipline and literacy into its product offerings. Through initiatives like Be$mart and JagaDuit—available via CIMB Foundation—university students and working adults receive access to money management education.
Borrowers participating in the campaign can handle repayments digitally using DURIAN-i accounts while earning reward points on eligible transactions; these points increase chances of settling up to RM25,000 in PTPTN loans or winning gold bars when depositing savings into the account. Accounts can be opened online or at any CIMB branch.
In addition to incentives offered during the campaign period, PTPTN will use CIMB’s network for broader delivery of structured programmes focused on money management skills.
DURIAN-i was recognised by The Banker as Most Innovative Islamic Savings Product in 2024 due its sustainability-linked investment structure aligning individual finance goals with sustainable development principles.
More information about the campaign is available at www.cimb.com.my/ptptn.
