How To Open A Student Bank Account In Malaysia (Steps)

Relocating to Malaysia for your studies is a significant event that requires adjusting to many aspects of daily life. One of the most crucial steps is opening a local Malaysian bank account. This guide will walk you through the practical steps needed to open a student bank account In Malaysia, including the required documents and essential tips. We’ll also cover the best banks and electronic wallets to make your life easier in this beautiful country. The Importance of Opening a Student Bank Account for Foreigners In Malaysia Opening a student bank account in Malaysia provides numerous benefits that make life easier and safer for international students and other foreigners. First, having a local bank account simplifies paying rent, buying daily necessities, and settling tuition fees without complications. Second, keeping money in a bank account is safer than carrying cash, reducing the risk of theft or loss. Third, a bank account helps track expenses and organize finances, enabling students to budget effectively and save for the future. What Do You Need to Open a Student Bank Account In Malaysia? As any student in Malaysia, foreign students can apply for a student bank account at almost all Malaysian banks, but specific documents and conditions are required. These requirements typically include: Passport. Valid Student Visa. Acceptance or Enrollment Letter From a recognized university in Malaysia. Proof of Local Residence. Initial Deposit (it may differ from bank to another). Types of Bank Accounts Available for Students In Malaysia There are several types of bank accounts that foreign and local students can open in Malaysia: 1. Savings Account: Ideal for students who want to save money securely with easy access. Basic features include ATM deposits and withdrawals, fund transfers, and online bill payments. 2. Current Account: Offers additional features like checkbooks and advanced banking services. Suitable for those needing frequent transactions. Allows the use of checkbooks and offers higher interest rates than savings accounts. 3. Fixed Deposit Account: Helps in saving for a longer period with higher interest rates. Suitable for students who want to save money over a long term. 4. Islamic Accounts: Islamic accounts follow the principles of Islamic law. Some of the most important Islamic banks in Malaysia include Bank Islam, Bank Muamalat, and Al Rajhi Bank. Opening a Student Bank Account in Malaysia (Step By Step) Opening a bank account in Malaysia for Uni students involves a few straightforward steps. Here is a detailed guide to help you through the process. 1. Choosing the Right Bank Select a bank that offers services suitable for your needs as a foreign student. Ensure the bank has branches and ATMs near your residence. Recommended banks include: Maybank CIMB Bank Public Bank RHB Bank HSBC 2. Preparing the Necessary Documents Having the right documents ready makes the process smooth. Here’s what you typically need: Passport: Ensure it’s valid for at least six months beyond the account opening date. Two Forms of Identification: This can include your birth certificate or national ID. Valid Student Visa: Confirms your legal status. Acceptance or Enrollment Letter: An admission or registration letter from the university proving that you are a registered student at a recognized university in Malaysia. Proof of Local Residence: Such as a rental agreement or utility bill. Initial Deposit: Varies by bank. 3. Visiting the Bank Branch With documents in hand, visit the chosen bank branch: Schedule an Appointment online to avoid long waits. Head to the nearest branch of your chosen bank. Bring All Documents and keep them organized in a file for easy access. 4. Filling Out the Required Forms At the bank, you will need to fill out several forms accurately: Account Opening Form: Contains personal information and account details. Additional Forms: Depending on the account type and services required. 5. Receiving Your Debit Card After opening the account, you will receive a debit card for ATM and store transactions. Make sure to activate it for online use before leaving. 6. Activating Online Banking Services Ask the bank staff to help you activate online and mobile banking services. These platforms allow you to manage your finances conveniently. Try to check the money withdrawal limit and ask the bank employee to adjust it if it is too low. Important Notes To avoid any delays or issues, follow these tips: Ensure Validity: All documents, especially passports and visas, must be valid. Organize Documents: Keep them in a file for easy access. Make Copies: Keep additional copies of all documents in a safe place. Verify Your Residence Address: Ensure it is current and accurate and bring a proof (a water bill for example). Check Bank Requirements: Visit the bank’s website or call to confirm specific requirements before visiting them. Request University Documents Early: Contact your university international student office in advance to get your documents ready. Original documents: All submitted documents must be originals, photocopies are not accepted. Matching information: The names on all official documents must be exactly the same as what is written on the passport/visa documents. Language requirements: Depending on the bank’s policies, there may also be English language proficiency requirements for applicants who do not have Malay language skills. The identity verification process usually takes about two weeks for non-students, while the process is faster for students and this timeframe varies depending on each bank’s practices and procedures. Once satisfactory proofs are submitted and approved, foreign students in Malaysia can open their own accounts with ease. Challenges You May Face and How to Overcome Them Opening a bank account in Malaysia might present some challenges. Here’s how to tackle them: 1. Varying Requirements: Different banks may have different requirements, causing confusion. To manage this: Check Requirements: Look up each bank’s requirements online or call customer service. Prepare All Documents: Have all possible documents ready and valid. Contact Banks Directly: Ask for any additional required documents. 2. Language and Cultural Barriers This is not a problem in main Malaysian cities, but communication can be difficult due to language and cultural differences in marginal areas. Here’s what to do:

Study Medicine in Malaysia for International Students (2024)

Are you passionate about studying medicine and looking for the perfect destination abroad? Curious about your options and what factors make a destination the right fit for your ambitions? Malaysia has become an attractive choice for international students seeking high-quality medical education at affordable costs. Currently hosting between 130,000 and 170,000 international students, Malaysia is projected to reach 250,000 by 2025. This guide covers everything you need to know about studying medicine in Malaysia for international students in 2024-2025, from the basics of the education system to the best medical universities and study costs, helping you make an informed decision about your future career. The Medical Study System in Malaysia Studying medicine in Malaysia spans five years, featuring a comprehensive program that combines theoretical and practical education. This ensures that students are well-prepared to become professional doctors. Here’s how the academic years are structured: A. Theoretical Phase: First and Second Year at Medical Universities in Malaysia In the first two years, students focus on basic medical sciences, forming the foundation for clinical medicine. The curriculum includes subjects such as anatomy, physiology, biochemistry, pathology, pharmacology, microbiology, medical ethics, and teamwork skills. Additionally, students start developing early clinical skills in classrooms and labs through simulated scenarios without interacting with real patients. B. Third Year: Beginning Hospital Training The third year marks the transition from theoretical learning to practical clinical training. Students begin to interact with real patients across various departments like internal medicine, surgery, obstetrics and gynecology, and pediatrics. This year aims to enhance theoretical knowledge by applying it to real-life medical situations. C. Fourth Year: Advanced Practical Training In the fourth year, students continue their hospital rotations with deeper training and more hours to gain extensive experience in specialties such as orthopedics, psychiatry, emergency medicine, and community medicine. This phase focuses on developing decision-making skills and patient management techniques. D. Fifth Year: Practical Internship Year The final year involves intensive clinical training where students take on more responsibility under supervision. They rotate through all crucial departments to broaden their practical skills, preparing them for their roles as junior doctors. During this year, students practice medicine in hospitals across various Malaysian states, without theoretical exams, to ready themselves for the job market. This structured educational system ensures that students acquire the necessary knowledge and practical skills to become competent doctors capable of practicing efficiently anywhere in the world. How Studying Medicine at Malaysian Public Universities Differs from Private Universities Malaysia offers an ideal destination for international students due to its high-quality medical education and reasonable study costs compared to many other countries. Whether you prefer a public or private university, understanding the differences can help you make an informed decision for your academic and professional future. Studying Medicine at Malaysian Public Universities Government Funding: Public universities receive significant financial support from the Malaysian government, reducing tuition costs for students. Limited Slots for International Students: Admission for foreign students is more competitive due to limited slots. Lower Tuition Fees: Studying medicine in public universities is much cheaper than in private institutions. Local Cultural Environment: Most students are Malaysians, creating a traditional local cultural setting. Bilingual Instruction: Courses are often taught in a mix of Malay and English due to the predominance of local students. Centralized Admission System: The centralized admission system (Unit Pengambilan Unit) is highly competitive, especially for high-demand fields like medicine and pharmacy. Extensive Facilities: Public universities boast vast facilities, such as libraries, swimming pools, and gyms, although they might face maintenance issues. Highly Qualified Faculty: A higher proportion of faculty members hold PhDs compared to private universities, making public universities more suitable for research-oriented studies. Studying Medicine at Malaysian Private Universities Self-Funding: Private universities are usually self-funded or backed by major corporations. Higher Tuition Fees: The cost of studying medicine in private universities is higher, but many offer scholarships and financial aid. Diverse International Environment: Private universities host a large number of international students, fostering a diverse and multicultural environment. English Medium Instruction: Most courses are taught in English, providing an international learning atmosphere. Flexible Specialization Options: Private universities offer greater flexibility in choosing specializations for international students, given that they meet the admission requirements, allowing students to pursue their preferred fields. Modern Facilities: Private universities are equipped with state-of-the-art facilities and regular maintenance, providing a comfortable and modern study environment. Now that you understand the differences between public and private medical universities in Malaysia, let’s explore the admission requirements for international students at these institutions. Medical School Qualifications for Foreign Students in Malaysia Studying medicine in Malaysia requires meeting a set of academic and language requirements that international students must adhere to for admission into medical programs. Here are all the necessary requirements: A. Academic Qualifications General Certificate of Secondary Education (UEC): A minimum of B4 grades in five subjects, including Chemistry, Physics, Biology, Mathematics, and Additional Mathematics. A-Level: Grades of AAB or BBB in Biology, Chemistry, and Physics. Foundation Courses or Pre-University Year: A minimum cumulative GPA of 3.0 in Biology, Chemistry, Physics, or Mathematics. International Baccalaureate (IB): At least 30 points with good grades in at least two science subjects. B. English Language Requirements IELTS: A minimum score of 6.0 to 7.0, depending on the university. TOEFL: A minimum score of 550 (paper-based) or equivalent. Students who have studied in an educational system where English was the medium of instruction can provide a letter from their school confirming this instead of taking language proficiency tests. Meeting these requirements is essential to ensure your acceptance into Malaysian medical universities. Now that you know the qualifications needed, you can prepare effectively for a successful application. Cost of Studying Medicine at Malaysian Public Universities Generally, the cost of studying medicine at Malaysian public universities is lower compared to private universities, though still relatively high compared to other undergraduate programs. The exact costs vary from one university to another and by academic year. Here are some examples of the annual costs for studying medicine at some Malaysian public universities: University

Albukhary University Scholarship in Malaysia (2025)

Dreaming of Studying in Malaysia but Concerned About Costs and Available Scholarships? Albukhary University Scholarship in Malaysia offers you the chance to fulfill this dream without a heavy financial burden. In this article, we will discuss the benefits of this scholarship, how to apply for it, and why it is an attractive option for international students. Albukhary University in Malaysia provides high-quality education in an advanced learning environment while covering costs through full and partial scholarships. This article is aimed at ambitious students and parents who are seeking exceptional educational opportunities for their children. What is Albukhary University in Malaysia? Albukhary University in Malaysia is one of the country’s leading non-profit universities. It was established in 2010 by the Albukhary Foundation, a charitable organization originally aimed at facilitating pilgrimage trips for the poor in Malaysia. Since its founding, Albukhary University has attracted approximately 5,000 students with its exceptional educational standards. A significant portion of these students are international, including many from Arab countries. This cultural diversity enhances the educational experience and adds a new dimension to cultural interactions among students. To date, the university has students from more than 40 countries, including a large number of Arab students. About 90% of students at the university are foreigners, creating a culturally diverse learning environment that promotes interaction and understanding between different cultures. The university is located in Alor Setar, Kedah, in northern Malaysia, near the border with Thailand. This strategic location provides proximity to many tourist and cultural sites, offering students a rich and diverse experience outside the classroom. What is Albukhary University Scholarship in Malaysia for 2025? The Albukhary Foundation, a charitable organization, established the Albukhary University Scholarship to enhance access to quality education for the needy worldwide. This scholarship is available only for undergraduate degrees. This ensures a wide range of students can benefit from it. Albukhary University offers a broad spectrum of academic disciplines across various scientific and literary fields, including: Scholarship-Included Majors Bachelor of Business Administration (Honors) Bachelor of Business Administration (Marketing) (Honors) Bachelor of Business Administration (Human Resource Management) (Honors) Bachelor of Economics (Honors) Bachelor of Social Development (Honors) Bachelor of Finance (Islamic Finance) (Honors) Bachelor of Politics and International Relations (Honors) Bachelor of Primary Education (Honors) Bachelor of Early Childhood Education (Honors) Bachelor of Media and Communication (Honors) Bachelor of Computer Science (Honors) Majors Not Covered by the Scholarship Master of Education (Research) Doctor of Philosophy in Education (by Research) Master of Science in Business Administration Doctor of Philosophy in Business Administration Requirements and Conditions for the Albukhary University Scholarship The scholarship aims to provide full or partial financial support to eligible students from various nationalities to pursue their studies in one of the available majors at the university. To apply for the scholarship, applicants must meet several requirements: Demonstrate financial need for support. Household income must be less than USD 300 for international applicants, MYR 2400 for Sabah and Sarawak residents, MYR 5300 for Kuala Lumpur, Putrajaya and Labuan residents or MYR 2900 for Perlis, Kedah, Pulau Pinang, Perak, Kelantan, Terengganu, Johor, Melaka, Negeri Sembilan and Pahang residents. Be between 18 and 22 years old. Obtain admission to one of Albukhary University’s programs. Maintain a minimum cumulative GPA of 2.8 out of 4. Pass an online interview. Remain single and not marry during the scholarship period. Applicants must not be related to anyone sponsored by the Albukhary Foundation to be considered. Not work during the scholarship period. Have a strong academic record. Demonstrate leadership skills and potential. Submit a written statement describing their educational and career goals and how the scholarship will help achieve these goals. Provide recommendation letters and secure admission to Albukhary University. Required Documents To apply for the Albukhary University Scholarship, gather and submit the following documents: A valid passport copy. Curriculum Vitae (CV). Academic transcripts or grade reports. The most recent educational qualification certificate. A recommendation letter. Photos of the applicant’s home (interior and exterior). IELTS or TOEFL certificate, if available. A letter explaining the applicant’s motivation for studying at the university and their academic and career goals. A recommendation letter from professors or academic supervisors detailing the student’s academic and personal abilities. Certified copies of high school certificates. Certified copies of university transcripts. Submit your application online through the official university website. Carefully collect the required documents and fill out the application form. Ensure all information is accurate to avoid application rejection. Types of Scholarships Offered by Albukhary University in Malaysia Albukhary University provides various types of financial support to help students achieve their educational goals. These scholarships cater to different levels of financial need and academic merit, ensuring that as many eligible students as possible benefit. The scholarship program includes two main types of scholarships: full scholarships and partial scholarships. 1. Full Scholarships Duration: Full scholarships cover the entire duration of the student’s academic program. Tuition Fees: These scholarships cover 100% of tuition fees for the duration of the program, ensuring students don’t worry about paying for their education. Monthly Stipend: Recipients receive a monthly stipend of approximately $100 USD. Accommodation: The university provides on-campus housing. Other Benefits: The scholarship includes health insurance, a free English language course, and coverage for IELTS exam fees. 2. Partial Scholarships Duration: Partial scholarships cover up to 6 semesters for undergraduate programs. Tuition Fees: Partial scholarships cover a portion of the tuition fees, ranging from 25% to 75%, depending on: The student’s financial situation. Academic performance. Level of financial need. Monthly Stipend: Recipients receive a smaller monthly stipend compared to full scholarships, ranging from $30 to $60 USD, depending on the level of support provided. Accommodation: Partial scholarships may include some support for accommodation, but at a lower level or partial coverage of on-campus housing costs. In some cases, a discount on housing costs or financial support to cover part of the expenses for off-campus housing might be available. Other Benefits: Partial scholarships might include some additional benefits like health insurance or financial support for books and study materials. While these

Malaysian Universities Recognized in Saudi Arabia (2024)

Are you planning to pursue your university education in Malaysia? In recent years, Malaysia has become a popular destination for Saudi students due to the quality of education and cultural diversity it offers. Official accreditation of universities enhances the standard of education and provides numerous benefits for students and educational institutions alike. In this article, we present you with a comprehensive guide to the best Malaysian universities recognized in Saudi Arabia, making it easier for you to choose the right university that meets your academic and professional aspirations. The importance of having a Saudi system and rules for accrediting foreign universities stems from the fact that many citizens travel abroad to obtain degrees from various universities and countries, resulting in differences in curricula and university standards compared to those within Saudi Arabia. This requires the existence of a scientific body to evaluate these universities and grant them official recognition. Malaysia as an Important Destination for Saudi International Students The number of Saudi students in Malaysia has been increasing in recent years. This increase reflects several factors that attract Saudi students to choose Malaysia as a study destination over other countries: Internationally recognized quality of education: Malaysian universities offer high-quality educational programs recognized globally in diverse fields that cater to different academic interests and aspirations. Reasonable cost of study and living: Malaysia is a cost-effective destination compared to countries like the United States or the United Kingdom. Universities and their costs vary, allowing study and living costs to suit different budgets. Students can work while studying in Malaysia too. Geographical and cultural proximity: Malaysia’s location in Asia makes it relatively close to Saudi Arabia compared to Europe and America. Additionally, Malaysia’s diverse culture, which includes strong Islamic elements, makes Saudi students feel more comfortable in adapting. Modern infrastructure and advanced educational facilities: Malaysia boasts advanced infrastructure and modern educational facilities that support a conducive learning environment, including state-of-the-art laboratories and educational technologies. How Does the Saudi Ministry of Education Accredit Foreign Universities? The process of accrediting foreign universities by the Saudi Ministry of Education is a comprehensive procedure aimed at ensuring Saudi students receive high-quality higher education abroad that is comparable to Saudi education. This process is subject to specific standards and criteria, including the Degree Accreditation Center and System, which relies on a specialized committee to evaluate and compare academic degrees. The process of accrediting foreign universities includes several criteria, such as: The university must be recognized by the educational authorities in its country and hold a prestigious ranking in global standards. The university adheres to academic quality standards, including curricula, teaching methods, scientific research, and assessment strategies. The qualifications and backgrounds of faculty members are scrutinized, and the infrastructure, facilities, and programs offered are evaluated to ensure compliance with the cultural and ethical values of the Kingdom of Saudi Arabia. The university’s international collaborations enhance its standing and provide opportunities for students. The Degree Accreditation System involves evaluating academic degrees, curriculum programs, field visits, and ongoing monitoring. The committee provides recommendations and observations to the university based on their findings. How Does University Accreditation Affect Saudi Students Studying in Malaysia? University accreditation for Saudi students in Malaysia has significant impacts on their academic lives and professional opportunities, as it: Ensures the validity and recognition of students’ degrees in the Kingdom of Saudi Arabia, facilitating their return to the Kingdom or pursuit of further studies. Provides quality assurance and ensures the educational standards and practices in Malaysian universities align with those required in Saudi Arabia. Affects students’ eligibility for financial support from Saudi scholarships. Holders of accredited degrees benefit from easier transition to the job market and recognition from employers, enabling them to take professional licensing exams and achieve career advancement in public and private sectors in Saudi Arabia. 10 of the Best Malaysian Universities Recognized in Saudi Arabia Choosing the right university is a crucial step in every student’s journey. In this section, we review a list of the top 10 Malaysian universities that enjoy official recognition from the Kingdom of Saudi Arabia. These universities not only offer outstanding educational programs but also provide ample opportunities for academic and professional growth. 1. Multimedia University (MMU) Multimedia University (MMU) sits at the top of the best universities for computer science, nanotechnology engineering, robotics engineering, and many other engineering and management disciplines. It is one of the leading private universities in Information and Communication Technology (ICT). Established in 1997 as part of the MSC Malaysia initiative, a government project aimed at enhancing the country’s technology sector, here are the key facts about MMU: MMU offers a wide range of academic programs in various fields such as engineering, computer science, business management, law, and cinematic arts. The university is renowned for its strong focus on research and innovation, and it has collaborations with numerous global technology companies to provide training and employment opportunities for its students. 2. University of Malaya (UM) The University of Malaya (UM) is Malaysia’s oldest university, established in 1949. It is a prestigious research-intensive public university located in Kuala Lumpur. UM offers a wide range of undergraduate and postgraduate programs across various disciplines. Some key facts about UM: It consistently ranks among the top universities in Malaysia and Southeast Asia. UM has produced many notable alumni, including political leaders and accomplished professionals. The university places a strong emphasis on research and innovation across its faculties. It has collaborations with leading international universities and industry partners worldwide. University of Malaya offers several scholarships for international students. 3. Universiti Putra Malaysia (UPM) Universiti Putra Malaysia (UPM) is a renowned public research university specializing in agricultural sciences, engineering, medicine, and other applied sciences. Established in 1931, UPM has campuses in Serdang, Bintulu, and Kuala Lumpur. Notable highlights include: UPM is highly regarded for its programs in agriculture, forestry, veterinary medicine, and biosystems engineering. The university has modern facilities and advanced research centers in various fields. It actively collaborates with industries and international institutions on research projects. UPM offers a conducive

Top 7 IIUM scholarships In 2025 [Local & International]

Have you ever dreamed of furthering your education at one of the world’s leading Islamic universities, but worried that the cost might be out of reach? Scholarships are a cornerstone of IIUM’s mission, recognizing the immense value of international students in Malaysia and their perspectives. Recognizing that financial constraints can impede a student’s academic journey, IIUM prioritizes making education accessible through a robust system of scholarships and financial assistance programmes. In this guide we will discuss these IIUM scholarships in detail. In previous guides, we covered the main scholarships in Malaysia, The IESCO scholarship, The MIS scholarship, and today is another guide you will love. About IIUM The International Islamic University Malaysia (IIUM) is a distinguished public university recognized for its integration of Islamic values and traditional knowledge with modern academic disciplines. Founded in 1983, IIUM enjoys a diverse international student body representing over 100 countries. Its main campus in Gombak, Selangor offers a picturesque setting with beautiful architecture nestled amongst lush greenery. The scholarships IIUM offers include: 1. IIUM UG Ummatic Scholarship for New Intake International Students IIUM offers the prestigious IIUM Undergraduate Ummatic Scholarship, specifically designed to support high-achieving incoming international students. Recognizing both academic excellence and financial need. The scholarship aims to assist students from economically disadvantaged backgrounds and from countries facing difficulties, often with a focus on Muslim minorities. The IIUM UG Ummatic Scholarship for new intake international students is primarily funded by the IIUM Endowment Fund (IEF), which was established to assist financially challenged and academically capable students. The IEF fund relies on donations from individuals, companies, and organizations, engaging in various activities and business collaborations to raise the necessary funds​. Eligibility criteria Not Malaysian. Registered as a full-time undergraduate student. Not receiving any other scholarship. Needy students as identified by the university. Excellent academic record, preferably students with a cumulative grade point average (CGPA) of 3.6 or higher. Benefits Full coverage of tuition fees. Study-related fees such as registration fees and exams. Coverage of housing fees (accommodation at the university). A monthly allowance of RM400 to support living costs. A book allowance of RM250 per semester. One-time health insurance of RM400. Application Insights Applicants are typically required to demonstrate their academic credentials and financial need. The selection process involves an application form that can be downloaded from the IIUM website, and candidates may need to attend an interview. The scholarship is offered on an annual basis, with specific dates for application submissions typically announced on the university’s website. 2. IIUM UG Ummatic Scholarship The IIUM Undergraduate Ummatic Scholarship is designed to support academically outstanding students who are financially disadvantaged. This scholarship is integral to IIUM’s commitment to rewarding student achievement and fostering educational opportunities. Who Can Apply? You must be a full-time undergraduate already into your second year or beyond at any of IIUM’s Kulliyyahs. Applicants should not have any other scholarship funding. Priority is given to students recognized as needy by university standards. Eligible students must hold a CGPA of at least 3.60, maintaining a minimum of 15 credit hours per semester. For students from Muslim minority countries, a CGPA of 3.00 is acceptable. Exclusions: Students enrolled in specialised programs such as executive courses or others specified by the university. Applicants who are part of pre-sessional or bridging courses. Application Insights: Applications open at the start of each semester. Keep an eye on the official channels such as the IIUM Finance website and the Student Unit Facebook page for timely updates and application guidelines. Scholarship Benefits: Full coverage of tuition and related academic fees. Hostel fee support. A monthly stipend of RM400. A semester book allowance of RM250. A one-time insurance benefit of RM400. The application period for the 2025 scholarship begins on March 1, 2024 and ends on March 25, 2024. Applicants are required to submit all required documents by the specified deadline to ensure the application is processed. 3. IIUM Academic Excellence Award For Under Graduates The IIUM Academic Excellence Award celebrates the high academic achievements of its undergraduate students. This award is a mark of recognition for students who have shown exceptional academic performance at the International Islamic University Malaysia. Eligibility Criteria Student Status: Must be registered as a full-time undergraduate student at IIUM. Academic Level: Eligible from the Second year or above at Kulliyyah (faculty) level. Academic Requirements: Student with CGPA of 3.0 with the minimum of 15.0 credit hour Funding Status: Open only to self-sponsored students and those receiving loans. Restrictions Program Limitations: Students enrolled in certain specified programs, such as executive courses, are not eligible. Course Phase: Students in pre-sessional or bridging programs are also ineligible. Selection Process The selection for the IIUM Academic Excellence Award is conducted at the start of every regular semester. The Finance Division announces the application opening through various channels including: Student and Scholarship Unit notice boards. The Student Unit Facebook page. The IIUM Finance Website. Notices across all Kulliyyahs. Award Benefits The scholarship offers a reduction of up to 50% of tuition fees for deserving students. This reduction helps students focus on their studies without worrying too much about the remaining tuition fees. 4. IIUM Malaysian Tuition Fee Rate Scholarship for Palestinian Students The IIUM Malaysian Tuition Fee Rate Scholarship is specifically designed to provide financial assistance to Palestinian students, aimed at those residing in Gaza or any conflict area within Palestine. This scholarship is unique in that it allows Palestinian students to pay the same rate of tuition fees as Malaysian students, but it’s important to note that this rate is applicable for only one level of study at IIUM, whether it be for a Degree, Master’s, or PhD program. Eligibility Criteria Student Status: Must be registered as a full-time student, either at the undergraduate or postgraduate level. Academic Level: Must be a first-semester student at any Kulliyyah level. Other Scholarships: Must not be receiving any other scholarship to qualify. Financial Need: Must be identified as needy by the university. Exclusions Restricted Programs: Students enrolled in critical programs, including

What Is The Foundation Programme In Malaysian Universities?

Are you considering taking your first step towards an outstanding academic future in Malaysia? The foundation programme at Malaysian universities is your gateway to achieving that. Malaysian universities design their foundation year to equip students with the essential knowledge and skills necessary to excel in their future specializations. Additionally, this year provides an excellent opportunity for international students who lack sufficient qualifications for direct bachelor’s admission to adapt to the educational and cultural environment in Malaysia, facilitating their transition to university studies in Malaysia. What Is The Foundation Programme At Malaysian Universities? The Malaysian universities Foundation Year is a program designed to prepare students for the academic and cultural challenges they may face in university. The program primarily focuses on enhancing the student’s foundational knowledge in specific areas such as science, engineering, arts, or biology if they plan to study medicine in Malaysia, for example, in addition to English language and communication skills. This program typically lasts 12 months, during which students must complete 50 credit hours. The assessment method usually consists of 30% from periodic activities related to each subject and 70% from an exam. Who Are The Students Deciding To Take Or Needing The Foundation Year Experience? The Foundation Year in Malaysia represents an important and required step for students aspiring to enhance their academic future and meet admission requirements for top universities and scholarships. These students include: International Secondary School certificate holders with O-levels. Secondary School certificate holders with low grades. Some students from international universities not recognized/accredited within Malaysia. Students seeking to improve their grades in specific subjects to meet university admission requirements. Students wishing to transfer from one academic field to another. Types of Foundation Year Programmes At Malaysian Universities Malaysian universities offer a diverse range of Foundation Year programs to cater to the needs of international students. Here are the most prominent types: Basic Sciences: Focuses on natural sciences such as physics, chemistry, and biology. Business and Management: Provides an introduction to business, management, economics, and accounting. Engineering: Offers a strong foundation in mathematics and applied sciences, preparing students for various engineering programs. Information Technology: Introduces students to the basics of computer science and information technology. Arts and Humanities: Covers diverse subjects such as languages, literature, history, and social sciences. Health Sciences: Focuses on the fundamental principles of health sciences to prepare students for studies in fields like medicine, pharmacy, and nursing. Related: Schools available for Arabs in Malaysia The Difference Between Foundation Year And English Language Studies The Foundation Year and English Language Studies are two educational pathways that serve different purposes for international students; they prepare students for academic challenges in different ways as follows: The Foundation Year aims to academically prepare students for university programs and covers scientific, engineering, business, or arts subjects, depending on the field the student wishes to pursue. The Foundation Year is an academic program, and to complete it, the student must attend lectures at the university. English Language Studies, on the other hand, specifically focus on improving students’ English language skills. This pathway is designed for students who need to strengthen their English proficiency to reach a level that allows them to succeed in an academic or professional environment requiring English. Students have the freedom to choose how to obtain an English Language Studies certificate, whether by attending online lectures or at a dedicated language institute. Benefits Of The Foundation Year For International Students The Foundation Year in Malaysia offers numerous benefits for international students, making it an attractive option for academic preparation before embarking on specialized university studies. Here are the most notable benefits: Smoother transition to university life. Development of essential study skills. Shorter duration than what might be required to reach A-level, which exempts you from the Foundation Year. Opportunity to explore the university and its different fields before committing to a particular college. Building wide-ranging relationships with fellow students and professors. Increased chances of admission to various academic degrees. Exploration of different study areas and development of new skills before specializing in a particular field. Required Qualifications For Foundation Year Programs To enroll in Foundation Year programs, students must meet a set of qualifications and requirements, which vary depending on the university and program type. These qualifications include: Obtaining an International General Secondary Education certificate with a minimum of 5 credit passes or reaching the O-level, including passes in Mathematics, English Language, and a subject relevant to the chosen Foundation program (e.g., Sciences for the Science Foundation program). Submitting additional qualifications such as standardized test scores (e.g., SAT or ACT) or English language proficiency tests (e.g., TOEFL or IELTS). Some Foundation Year programs specify a minimum age requirement, typically ranging from 17 to 19 years old at the start of the program. Completed The Foundation Year in Malaysia: What’s Next? After successfully completing a Foundation Year program, students have several options to continue their academic and professional journey, which, of course, varies depending on their goals and chosen field. These options also differ from one university to another. Here are the two main options: 1. Continuing Studies at the Same University The most common option is to directly transition to a bachelor’s degree program at the same university, which many universities allow, in the field the student has been prepared for. 3. Studying At Another University Excellent results in the Foundation Year increase the chances of admission to different universities, because: High scores reflect academic readiness and the ability to handle academic challenges, making the student’s profile more appealing to universities. The number of applicants exceeds the capacity of some universities; in such cases, high Foundation Year results become a decisive factor in student selection. Excellent results qualify students for scholarships that partially or fully cover tuition costs, alleviating the financial burden. An example of these scholarships is the IESCO scholarship. Cost of Studying The Foundation Year in Malaysia The cost of the Foundation programme in Malaysia varies based on several factors, including the type of university (public or private), the

Main Scholarships In Malaysia (2025): Types, Unis, and More

Scholarships are invaluable tools that help talented students overcome financial barriers and achieve their academic goals. Recognizing their importance in developing minds and fueling scientific progress, universities across the globe offer a variety of scholarships. Malaysia stands out as a destination with diverse scholarship opportunities. If you dream of pursuing higher education in this vibrant country, this guide will outline essential information about scholarships in Malaysia and pathways to securing them. Types of Scholarships in Malaysia Malaysian scholarships range from fully-funded to partial awards, with some specializing in English language proficiency or postgraduate studies. Let’s explore each category: 1. Full Scholarships These sought-after scholarships cover the majority, if not all, of your educational and living expenses. They are often reserved for students demonstrating exceptional academic excellence and potential. Examples: Nexus University Scholarships: Nexus International School University awards full scholarships within its International Bachelor’s Diploma Program to high-achieving Malaysian and international students. These scholarships recognize strong performance on academic exams, language proficiency tests, and extracurricular involvement. Malaysian Government Grant MIS: This comprehensive scholarship from the Malaysian government targets graduate students from outside Malaysia. 2. Partial Scholarships These grants provide financial assistance for a portion of your overall educational and living expenses. While they don’t cover everything, they significantly ease the financial burden for students. Examples: Public Medicare Group Scholarships (Medical/Pharmacy): This program offers Malaysian citizens pursuing a full-time pharmacy degree a generous support package. It includes up to RM50,000 in funding, expense coverage, and a guaranteed 3-year work placement upon graduation. IUBH University of Applied Sciences Grants: Enjoy the flexibility of IUBH with the potential to earn a 75% tuition waiver, making your education even more attainable. IIUM scholarships. Related: University of Malaya Scholarships for International Students 2025 3. English Language Study Grants To bridge language gaps and ensure academic success, these scholarships target English language proficiency development. They come in various forms: Language Study Grants: These might cover tuition for English language programs offered by Malaysian schools or institutes, and can be full or partial. Preparatory Period Grants: Some universities provide international students with preparatory programs focusing on English proficiency and academic skill-building. Scholarships might be available to cover these programs. Examples: Malaya University Scholarship. International Islamic University Malaysia (IIUM) Scholarship. University of Nottingham Malaysia Scholarship. Malaysia’s Top Scholarship Providers Malaysia boasts a diverse range of institutions offering scholarship opportunities. Key providers include: Malaysian Government: A major supporter of education, the government funds scholarships for both Malaysian and international students. Flagship programs include the MIS international scholarship and the Malaysian Technical Cooperation Programme (MTCP) grant. Universities and Higher Institutes: Many Malaysian universities and institutes offer scholarships specifically targeting international students. These vary in scope (full vs. partial) and academic focus across institutions. Examples include the University of Malaya, University of Nilai, and Yayasan University. Charities and Private Foundations: Several charities and education NGOs support students based on merit and need. The IESCO Grant and albukhary university scholarship are notable examples. Application Conditions for Malaysia Scholarships To maximize your scholarship chances, familiarize yourself with common application requirements found in many Malaysian scholarships: General Terms of Application: Academic Excellence: Demonstrate strong academic achievement, typically reflected by a high cumulative GPA or its equivalent. Citizenship: Carefully verify the citizenship eligibility of each scholarship before applying. Age Constraints: Be mindful of potential age restrictions associated with specific scholarships. Language Proficiency: Prove your English language competency through recognized tests like the IELTS or TOEFL. Additional Conditions: Volunteerism: Emphasize your extracurricular involvement in community service, sports, or other activities. Leadership Skills: Showcase your capacity for leadership by highlighting relevant positions you’ve held. Financial Need: Some scholarships may prioritize applicants who demonstrate financial need. Tips You Need Before Applying For Scholarships In Malaysia Malaysia grants thousands of students. So you need to follow some tips to stand out and increase your chances of winning: Study grants information from their official websites: visit the official website of the donor of scholarships in Malaysia or the institution that provides grants for the year for which you wish to apply. Find available scholarships this year and check the application conditions for each. Carefully read the terms and conditions of each grant. These conditions may vary from grant to grant, including required documents and qualifications. Document preparation: Collect all documents and documents required for submission. This may include passport, academic record, submission letter, and any additional documents such as recommendation letters. Application: Follow the application guidance on the donor’s official website. You may need to fill in an online application form or submit documents via mail or email. Follow-up application: After submitting your application, make sure to follow up on your application status via the donor’s official website. You may need to provide additional information or interview if it is within the terms of submission. Waiting for reply: After submitting your request, it may take some time for you to receive a reply from the donor. Response can be positive or negative. Who Benefits From Malaysian Education Grants? Scholarships in Malaysia target a wide range of local and international students including: International students: University scholarships in Malaysia attract international students from around the world. These students can be from different countries and seek to study at Malaysian universities. Malaysian students: Of course, Malaysian students can benefit from scholarships to fund their university education in Malaysia. These grants contribute to providing educational opportunities for local students. Low-income students: Scholarships play an important role in providing educational opportunities for low-income students who may have difficulty affecting university costs. Researchers and Emissaries: Some scholarships are offered to researchers and emissaries seeking higher research or higher degrees at universities in Malaysia. Students in war-affected areas: There are many scholarships and educational opportunities available for students from affected areas such as Palestine, Syria and Yemen. These grants are offered by various foundations, charities and governments around the world, most notably IESCO and IIUM scholarships for Palestinian students. What Is IESCO’s Role In Facilitating Your Access To Malaysia Grants? Through its efforts, IESCO has established a

The Malaysian Government Scholarship [MIS] (2025)

Are you an international student seeking a world-class education and an enriching cultural experience? The Malaysian Government Scholarship (MIS) 2025 could be your gateway to achieving your academic and professional goals in Malaysia. This article provides a detailed overview of the scholarship, including its objectives, eligibility, benefits, and application process. MIS Scholarship Objectives Attracting top-tier international students to Malaysia’s renowned universities. Facilitating educational exchange and promoting Malaysia’s unique educational environment. Fostering international collaboration and understanding through academic pursuits. MIS Eligibility Criteria Nationality: Applicants must be citizens of eligible countries (include the full list). Academic Qualifications: Master’s Degree: Minimum CGPA of 3.0 or equivalent at the Bachelor’s level. Doctoral Degree: Minimum CGPA of 3.0 or equivalent at the Master’s level. English Proficiency: Demonstrated proficiency with scores of at least: IELTS: 6.0 or higher TOEFL (paper-based): 550 or higher Age: Master’s Degree: Under 40 years old. Doctoral Degree: Under 45 years old. Health: Excellent health verified by a certified medical professional. Research Proposal (PhD only): A minimum 1,000-word proposal relevant to your field. University Admission: Acceptance into a postgraduate program at a recognized Malaysian university. The application period for the 2024/2025 academic year runs from August 16, 2024 to August 30, 2024, so candidates should prepare and submit their applications immediately. Benefits The Winner Of MIS Gets Round-trip airfare from your home country to Malaysia. Full tuition fee coverage. Monthly living allowance Estimated to be around RM1,500. Annual book and travel allowance. Full medical and health coverage for the winners throughout their studies in Malaysia, ensuring that they have access to health care without additional costs. Thesis and publication allowances (PhD and post-doctoral). Opportunities for conference travel grants (PhD and post-doctoral). Fields of Study The MIS supports a diverse range of disciplines, including: Engineering Sciences Technology Agriculture and forestry Information and communications technology Business and management Humanities and social sciences And more Participating Universities MIS recipients can pursue their studies at these leading Malaysian institutions: Universiti Teknologi Malaysia (UTM) Universiti Sains Malaysia (USM) Universiti Putra Malaysia (UPM) University of Malaya (UM) University of Technology Mara (UiTM) Universiti Islam Antarabangsa Malaysia (UIAM/IIUM) Universiti Utara Malaysia (UUM) Universiti Kebangsaan Malaysia (UKM) Universiti Tun Hussein Onn Malaysia (UTHM) Universiti Teknik Malaysia Melaka (UTEM) Universiti San Islam Malaysia (USIM) University Pendidikan Sultan Idris (UPSI) Universiti Malaysia Terengganu (UMT) Universiti Malaysia Sabah (UMS) Universiti Malaysia Pahang (UMP) Universiti Malaysia Sarawak (UNIMAS) Universiti Malaysia Perlis (UNIMAP) Sultan Zainal Abedin (Unisa) Universiti Pertahanan Nasiriyah Malaysia (UPNM) Universiti Malaysia Kelantan (UMK) University of Technology Petronas (UTP) Tenaga International University (UNITEN) Multimedia University (MMU) INCEIF University MIS Application Process Research and choose a major and university: The first step is to choose the major and the Malaysian university you want to study at. MIS covers a large number of Malaysian universities, including leading public and private universities Online Application: Complete the application form (provide the link). Document Submission: Submit the following (in English): Passport and recent photograph Academic transcripts and certificates English proficiency test results Letters of recommendation Research proposal (PhD only) CV/Resume University Application (in parallel): Secure admission to a Malaysian university. Selection and Notification The scholarship committee will review applications and notify successful candidates. Important Note: The application deadlines and specific requirements may vary slightly each year. Be sure to check the official website for the most up-to-date information. Why Choose Malaysia? Malaysia offers international students a vibrant multicultural environment, high-quality educational institutions, and a welcoming atmosphere. By pursuing the MIS, you’ll gain valuable knowledge, build global connections, and immerse yourself in a truly unique and enriching experience. Read More: How To Apply For The IESCO Scholarship For Foreign Students In Malaysia?

Can International Students Work in Malaysia? (2024)

Are you a foreign student considering furthering your education in Malaysia? If so, you might be wondering if you can work while you study in Malaysia. The good news is that the answer could be yes! As an international student, you may be eligible for part-time work opportunities. In a previous guide foreign students need, we discussed how to open a student bank account in Malaysia. Today is another great guide that delves into the specifics of working as a foreign student in Malaysia. Conditions for International Students to Work in Malaysia The Malaysian government allows international students to work under specific conditions, providing a chance to gain experience and earn income. Here’s what you need to know: Valid Student Pass: You must have a current and valid student pass. Application Process: Submit a copy of your passport, address, contact information, and a letter from your potential employer to the Ministry of Immigration. Work with your university’s representative to ensure the process is followed correctly. Approved Sectors: Work opportunities are generally limited to restaurants, gas stations, hotels, and small markets. Official Approval: You MUST obtain approval from the Ministry of Immigration and secure a work permit. Working without approval can result in fines, detention, or even student visa cancellation. Universities offer international students advice on working besides studying, as well as advice on where to work. Jobs You Are Not Allowed To Practice As A Foreign Student In Malaysia While some work opportunities exist for international students, several types of jobs are prohibited. These restrictions are in place for various reasons, including student protection and cultural considerations. Prohibited jobs include: Cashier Singer, musician, or masseur in hotels Guest Relations Officer (GRO) Any work deemed morally inappropriate Permitted Working Hours Malaysian regulations set clear limits on working hours for international students to protect academic progress: Maximum of 20 hours per week during the semester. Full-time work is allowed on semester breaks, public holidays, or holidays exceeding 7 days. How to Balance Work and Study Juggling work and studies is possible! Follow these tips to stay on track: Academics First: Your education is your top priority. Stay focused on your coursework, ensuring work doesn’t derail your future goals. Work Smart, Not Hard: Work enough to cover your needs and gain experience, but don’t overdo it. Time Management is Key: Use time management apps and a strict schedule to balance work and studies. Block out dedicated study time, even on your workdays. Utilize Support: Your university likely offers academic support services and workshops – take advantage of those! Don’t Burn Out: Schedule regular breaks to prevent exhaustion. Stay Healthy: An active lifestyle and good self-care help manage stress levels. Be Flexible: Review your workload regularly and adjust your schedule as needed to maintain balance. Where to Find Part-time Jobs in Malaysia Location Matters: Larger cities typically offer more job opportunities and potentially higher wages than smaller ones. Your University is Your Ally: Check with your university’s international student office, career centers, and job boards for leads and support. Online Resources: Explore Malaysian job websites like Best Jobs, neuvoo, Jobstreet, Indeed, Monster, and talentcorp. Network and Skill-Up: Expand your network within your field of study – this can lead to opportunities! The Importance of Learning The Malaysian Language Knowing the local language is a powerful advantage in the job market. Here’s why: Stand Out: Malaysian language skills will set you apart from other international applicants. Adapt and Thrive: You’ll navigate the workplace more easily and understand instructions better. Unlock More Opportunities: Some jobs may specifically require Malaysian language proficiency. Final Words Working while studying in Malaysia offers international students a unique advantage – you can fund your education while gaining real-world experience in a dynamic international setting. By understanding the regulations and following the tips we’ve explored, you can maximize the benefits of this opportunity. Remember, stay dedicated to your studies, work within the allowed hours, and embrace the chance to grow both personally and professionally. Read More: How To Apply For The IESCO Scholarship?

Studying in Malaysia: A 2025 Guide for International Students

Malaysia is emerging as a global hub for higher education, hosting over 170,000 international students from Asia, Europe, Africa, and the Middle East. Its advanced educational system and strategic Southeast Asian location provide opportunities for academic success in a multicultural setting. This guide highlights the benefits of studying in Malaysia, including affordability, diversity, cultural richness, and natural beauty. Want to study in Malaysia? This guide is your 1st step! Why Choose Malaysia as Your Study Destination? Malaysia offers an array of compelling reasons for international students to choose it as their study destination: Affordability: Malaysia is known for its low-cost education. Tuition fees in public universities generally range from $550 to $4,950 per academic year, significantly lower than countries like the US, Canada, UK, or Australia. Living costs are also budget-friendly. English Proficiency: English is widely spoken in Malaysia, easing communication for international students. Universities offer many programs taught in English. Prestigious Universities: Malaysian universities hold strong positions in international rankings. For example, Universiti Teknologi Malaysia (UTM) ranks 187th globally in the QS World University Rankings. Safe and Stable Environment: Malaysia is recognized as one of the safest countries in the world, providing a secure environment conducive to studying. World Heritage Sites and Natural Beauty: Explore stunning natural landscapes, historical landmarks, and vibrant cities during your studies. Diverse Courses and Specializations: Malaysian universities offer a wide range of programs, including world-renowned specializations in computer science, medicine, data science and engineering. Branches of International Universities: Reputable foreign universities, such as the University of Nottingham (UK) and Monash University (Australia), have campuses in Malaysia. Student Work Opportunities: International students can work part-time (up to 20 hours per week), gaining valuable work experience. What Can You Study in Malaysia? Malaysia’s universities offer an impressive array of programs, giving you the freedom to pursue your passions and build a strong foundation for your future career. Here’s a glimpse of the exciting fields you can study in Malaysia: Engineering: Delve into specializations like agricultural, architectural, petroleum, computer, civil, mechanical, and software engineering. Most Malaysian engineering programs are recognized among the world’s best. Medical Fields: Train to become a doctor, pharmacist, nurse, or other healthcare professional. Malaysia’s growing healthcare sector offers promising career prospects. Business and Economics: Gain in-demand skills in accounting, finance, marketing, management, and related disciplines. Languages: Master English, the language of global business, or explore other widely spoken languages like Arabic, Chinese, and Hindi. Malaysia’s multilingual environment provides a perfect setting for language learning. And More! Malaysia’s universities offer programs spanning many other fields, including information technology, the sciences, social sciences, the arts, and humanities. Related: Studying Medicine In Malaysia For International Students How To Open A Student Bank Account In Malaysia (Steps) Schools available for Arabs in Malaysia Understanding Admission Requirements for Malaysian Universities Navigating the application process for Malaysian universities requires careful planning and attention to detail. To ensure a smooth and successful application, follow these guidelines: General Admission Steps Choose Your University and Program: Research universities carefully, comparing their programs, strengths, costs, and locations to find the ideal fit. Verify Language Requirements: Each university sets its own English proficiency standards (IELTS, TOEFL, PTE Academic, etc.). Check the specific score needed for your chosen program. Understand Program Requirements: Know the exact prerequisites for your desired program (e.g., minimum grades, specific subjects studied). Gather Documents: Start preparing early. Commonly required documents include: High school diploma/Bachelor’s degree and transcripts (translated if necessary) Passport and/or birth certificate Updated CV English proficiency test results Proof of scholarships/financial support (if applicable) Letters of recommendation (if required) Submit Your Application Timely: Adhere strictly to deadlines. Most universities have online application portals. Pay the associated fees. Boost Your English Skills: If you need to improve your English, consider English language institutes in Malaysia to better prepare yourself. If you do not meet the requirements, a foundation programme can fix that. read all about it in our guide. Tips for Choosing Your University In Malaysia Global Ranking: Factor in the university’s reputation in international rankings (e.g., QS World University Rankings). Program Variety: Seek universities with a strong selection of programs in your area of interest. Research Focus: If you are passionate about research, choose a university with active research programs and supportive facilities. Student Life: Consider factors beyond academics, like student clubs, support services, and the overall campus environment. Important Note: Each university has specific requirements. Always consult the university’s official website for the most up-to-date and detailed information. Admission Requirements and Application Process To successfully apply for admission to Malaysian universities, follow these general steps: Choose Your University and Program: Explore university websites and select programs that align with your goals. Meet Language Requirements: Demonstrate English proficiency by taking the IELTS, TOEFL, or PTE Academic. Prepare Documents: Gather transcripts, passport copies, a CV, letters of recommendation (if required), and proof of financial support. Submit Your Application: Apply through the university’s online portal and pay any application fees. Apply for Scholarships (If Eligible): Research and apply for scholarships to help offset the costs of studying in Malaysia. Note: Specific requirements may vary between universities. Always check the official website of your chosen institution for the most up-to-date information. Cost of Studying in Malaysia Malaysia’s affordability is a major draw. Here’s a general breakdown of expected costs: Tuition Fees (Public Universities): Undergraduate: $2750 – $4950 annually Postgraduate: $550 – $4400 annually Tuition Fees (Private Universities): Undergraduate: $1,480 – $10,240 annually Postgraduate: $1630 – $3300 annually Additional Costs: Visa: $230 (one-time) Study Materials: $10 – $50 per semester Cost of Living in Malaysia Food: $18 – $25 per day Accommodation: Varies depending on location and type of housing. Health Insurance: Provided by the university. Transportation: Affordable public transportation options available. Utilities (Electricity, Water, Internet): Approximately $60 – $85 per month Mobile Phone Plan: $5 – $50 per month Money-Saving Tips When You Study In Malaysia Managing your finances while studying abroad can be a challenge, but it’s definitely achievable! Follow these practical tips to stretch your budget and thrive in Malaysia: Share Accommodation: