1. agreement submitted  is soiled and torn
2. unqualified  guarantors
3. differences / inconsistency  in trainees'   or guarantors signature 
4. incomplete address submitted by trainees  and guarantors
5. copies of trainee and guarantors ic are not clear
6. unqualified verifier and witnesses
7. agreement submitted after specific period given
( 30 days after letter of offer date)
A.. Conditions of registration Training Provider (PL) and PK
  The conditions of registration
  List registered with PTPK PL
  List of funded programs
   
B. Application of skills training loan
  The conditions of application
  Review loan applications
  The application flow charts
   
C. Payment of skills training loan
  The method of payment
  Confirmation subsequent payments / monthl
  Check payments by PL and PK
Loan Agreement must be submitted within 30 days from the date of the offer letter issued.
1. Loan Offer acceptance letter Skills Training (Appendix A)
2. One (1) copy of the Utility Bill to confirm a permanent address trainees
3. One (1) copy of the identity card of the First Guarantor with certified true copy.
4. One (1) copy of latest salary pay slip or income confirmation letter of the First Guarantor endorsed by the employer.
5. Declaration Form of guarantor's financial position.
6. Four  (4) copies of Skill Loan Agreement with certified and remitted stamps.
Incomplete loan application will not be processed.
Yes, throughout the year through the registered training providers with PTPK, the online loan application.
* Letter of Offer will be issued after the application is approved and the document can be obtained from the Training Provider
Training providers are responsible for ensuring that the following points are made: -
1. Using On-Line application form (www.ptpk.gov.my)
2. Submit the application form for each student that been approved by PTPK with verified supporting documents to PTPK;
3. Check the information on each part of the application form, supporting documents must be certified
4. Each Application form must be arranged as per checklist provided in the systems before submitted to PTPK;
Loan applications must be submitted through the training provider that registered with PTPK.
Training providers are responsible for ensuring that the following conditions are made: -
1. Applicants must be Malaysian
2. Ages 15 to 45 years for SKM level 1 to 5
3. Attending the Malaysian Skills Certificate training program for full time approved by PTPK.
4. Attending training at an approved training provider by PTPK
5. Has been confirmed registered with the Jabatan Pembangunan Kemahiran to undergo the training within the prescribed period.
6. Coming from a family with income not exceeding RM5, 000.00 per month.
7. Applicants must have two guarantors 
8. Do not receive financial assistance from any other government agencies.
9. Attending the training within the period prescribed by the JPK in the Regulations Guide and Skills Accreditation Malaysia 2005 dated on February 2, 2005