About Zulhilmi
Zulhilmi spent over a decade in the banking industry before focusing on consumer financing policy research. He closely monitors regulatory changes — including the Hire-Purchase (Amendment) Act 2026, which abolishes the Rule of 78 and flat rate for new agreements. At KiraLoan, Zulhilmi ensures that content related to the law and early settlement is accurate, careful, and never invents a formula that has no official source.
Qualifications & Experience
- 15 years in banking & financing policy research
- Former financing officer at a local bank
- Focus: Hire-Purchase Act 2026, BNM guidelines, Rule of 78, early settlement
Areas of Expertise
How we work
Every KiraLoan calculator and guide is reviewed for accuracy: formulas are verified, bank rates are marked as indicative, and we do not invent figures that have no official source. Read our full methodology & data sources →
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