
Start Your Career in Islamic Banking and Finance with Industry-Focused Diploma Programmes at Management and Science University (MSU), Malaysia.
Are you interested in banking, finance, business management or the principles of Islamic financial systems?
The financial industry is constantly evolving, and Islamic finance has become an important part of the global financial landscape. With growing interest in Shariah-compliant banking, financial products and ethical investment solutions, the demand for professionals with relevant knowledge and skills continues to create exciting career opportunities.
If you are looking to enter this sector, studying Islamic Finance or Islamic Banking in Malaysia could be an excellent starting point.
Management and Science University (MSU), Malaysia, offers two specialised Diploma programmes for students interested in understanding the principles, operations and professional practices of Islamic financial institutions.
Let's explore these programmes and discover why MSU could be the right choice for your higher education journey.
Choosing the right university is an important decision. Apart from academic qualifications, students should consider the university's reputation, industry connections and opportunities for professional development.
Management and Science University (MSU) is a recognised Malaysian university with a strong focus on academic development, industry engagement and graduate employability.
Here are some of MSU's key highlights:
QS World University Ranking #597: MSU secured the 597th position in the QS World University Rankings 2026.
99% Graduate Employability: MSU reports a 99% graduate employability rate, reflecting its emphasis on preparing students for professional careers.
3,000+ Industry Partners: The university maintains connections with more than 3,000 industry partners, helping align academic programmes with industry needs.
Industry-Oriented Education: Students benefit from academic learning supported by professional and industry perspectives.
International Learning Environment: Study alongside students from different nationalities and experience a multicultural educational environment.
These achievements make MSU an attractive option for students looking for internationally oriented higher education in Malaysia.
Interested in Islamic financial principles, Shariah-compliant investments and ethical financial management?
The Diploma in Islamic Finance at MSU is designed for students who want to understand how Islamic financial systems work and how financial activities can be conducted in accordance with Shariah principles.
Islamic finance is based on principles that emphasise ethical financial transactions, risk-sharing and the avoidance of interest (Riba).
During the programme, students develop knowledge of Islamic financial concepts while also studying supporting areas such as economics, accounting and management.
What Will You Learn?
The programme covers important areas of Islamic finance, including:
Introduction to Accounting
Introduction to Fiqh Muamalah
Contracts in Islamic Finance
Islamic Capital Market
Islamic Ethics
Islamic Financial Planning
Quantitative Methods in Finance
Islamic Financial System
One of the interesting features of this programme is its industrial placement opportunity. Students can gain practical exposure through placements with local banks or financial institutions, helping them understand how financial knowledge is applied in professional environments.
Potential Career Opportunities:
After completing the Diploma, graduates may explore entry-level opportunities such as:
Junior Risk Management Officer
Junior Regulatory Officer
Junior Collections Officer
Islamic Finance Executive
Financial Services Assistant
This programme can also provide an academic foundation for students who wish to continue their studies in Islamic Finance, Banking or related business fields, subject to university progression requirements.
Programme Duration: 2.5 Years
Want to understand how Islamic banks operate and how they differ from conventional banking systems?
The Diploma in Islamic Banking at MSU is another excellent option for students interested in the banking and financial services industry.
Islamic banking operates according to Shariah principles and offers financial products and services structured around Islamic commercial and financial concepts.
This programme introduces students to the foundations of Islamic banking, its operational procedures and the financial services offered by Islamic banking institutions.
Students also develop important professional skills, including communication, teamwork and problem-solving.
What Will You Learn?
The programme covers several important subjects, including:
Introduction to Fiqh Muamalah
Islamic Banking and Finance
Islamic Financial System
Banking Operations
Credit Management
International Banking and Finance
Audit in Islamic Banking
Marketing of Islamic Banking Products
Legal Issues and Framework of Islamic Banking
The programme also includes industrial training, allowing students to gain exposure to the professional banking environment.
Potential Career Opportunities:
Graduates may explore entry-level career opportunities such as:
Junior Shariah Compliance Officer
Junior Fraud Detection Analyst
Junior Administrative Officer
Junior Collections Officer
Banking Operations Assistant
For students interested in working in Islamic banks, financial institutions or banking-related organisations, this programme offers a specialised academic foundation.
Programme Duration: 2.5 Years
Although both programmes are related, they have different areas of focus.
Diploma in Islamic Finance | Diploma in Islamic Banking |
|---|---|
Focuses on Islamic financial principles and systems | Focuses on Islamic banking operations |
Covers Islamic financial planning and capital markets | Covers banking operations and credit management |
Explores financial contracts and Shariah principles | Explores Islamic banking products and services |
Suitable for students interested in broader Islamic finance | Suitable for students interested in banking operations |
Our suggestion: If your interest is in Islamic financial systems, investment and financial planning, consider Diploma in Islamic Finance. If you are more interested in banking operations, financial products and banking services, Diploma in Islamic Banking may be a better match.
Both Diploma programmes have academic entry requirements that international students must meet.
The published entry requirements include:
At least three credits at SPM/SPMV level or an equivalent recognised qualification.
Other qualifications may be considered subject to MSU's admission assessment.
International applicants should confirm their academic equivalency, English language requirements and current admission conditions before applying.
For Bangladeshi students, the admission team can assess SSC/HSC academic documents to determine eligibility.
Malaysia has an established Islamic finance ecosystem and is internationally recognised for its contribution to Islamic banking and financial services.
For students from Bangladesh, studying in Malaysia offers the opportunity to experience a multicultural academic environment while exploring a specialised area of business and finance.
Some advantages include:
Exposure to an established Islamic banking environment.
Opportunities to understand international financial practices.
Industry-oriented academic learning.
A multicultural international student community.
Opportunities to pursue further education in related business and finance disciplines.
Studying in Malaysia can help students build a broader understanding of the financial industry and prepare for future academic and professional opportunities.
Choosing the right programme is only the beginning. A successful study-abroad journey also requires proper university selection, accurate documentation and professional visa guidance.
Creative Consultancy is a Bangladesh-based education consultancy specialising in Malaysian higher education. We help students throughout their journey, from selecting the right university to preparing for their arrival in Malaysia.
Here is why students can trust our guidance:
We work as official representatives of our partner universities, providing students with professional admission guidance and application assistance.
Creative Consultancy is an ICEF Agency Accredited education agency. This recognition reflects our commitment to professional standards and responsible international student recruitment.
We have a good track record of successful Malaysian student visa applications. Our experienced team guides students through the documentation and visa application process with care and attention.
We believe students deserve support beyond receiving an admission offer.
Our services include:
University and Programme Selection
Admission Application Processing
Documentation Assistance
Student Visa Processing
Pre-Departure Guidance
Flight Booking Assistance
Airport Pickup and Reception Assistance
University Arrival and Accommodation Guidance
Free English Classes for Visa Preparation
Our goal is to make the entire process more convenient, transparent and comfortable for students and their families.
If you are interested in banking, financial management or Shariah-compliant financial systems, MSU's Diploma in Islamic Finance and Diploma in Islamic Banking are two programmes worth exploring.
The right educational decision today can help you prepare for exciting opportunities in the future.
Let Creative Consultancy help you understand the admission requirements, choose the right programme and take the next step towards studying in Malaysia.
Your Dream, Our Guidance.
Looking to study at Management and Science University (MSU), Malaysia? Speak with our professional counselling team today.
Call / WhatsApp:
+8801788521234
+8801332106562
+8801332106563
Website: www.ccapply.com
Creative Consultancy – Your Trusted Education Partner for Studying in Malaysia.
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Study Fashion and Beauty at MSU Malaysia: Courses, Careers and Admission Guide for Bangladeshi Students Want to study Fashion Design, Beauty Management, Hairdressing or Spa Management in Malaysia? Discover the programmes offered by Management and Science University (MSU), explore career opportunities and learn how to apply from Bangladesh with Creative Consultancy. Choosing a university can feel overwhelming, especially when you want to study something creative rather than follow a traditional academic path. Maybe you enjoy sketching outfits and experimenting with fashion. Perhaps you are interested in hairstyling, skincare or running your own beauty salon. Or you might see yourself managing a luxury spa or wellness business someday. Whatever your interest, a professional qualification can help you develop the knowledge and skills needed to take your next step. Management and Science University (MSU), Malaysia , offers several Fashion, Beauty, Hairdressing and Spa Management programmes through its School of Hospitality and Creative Arts. For Bangladeshi students considering creative courses abroad, this guide explains what you can study at MSU, where these qualifications may lead and what you should know before applying. Why Study Fashion and Beauty at MSU Malaysia? Management and Science University is a private university located in Shah Alam, Selangor, Malaysia. MSU offers programmes across several academic fields, including business, technology, healthcare, hospitality and creative arts. Its School of Hospitality and Creative Arts provides degree and diploma options for students interested in fashion, beauty and wellness-related professions. One advantage of exploring MSU is the variety of programmes available. Students interested in fashion design can consider a different academic pathway from those who want to specialise in hairdressing, beauty management or spa operations. This allows students to choose a programme based on the type of work they actually want to do. MSU Malaysia Rankings and Recognition Before choosing an international university, it is worth checking its academic recognition and graduate outcomes. According to information published by MSU: QS World University Rankings 2027: #608 globally. QS World University Rankings 2026: #597 globally. QS World University Rankings by Subject 2026: Art & Design ranked in the 201–300 band. Graduate Employability: MSU reports a 99% graduate employability rate. Industry Connections: The university reports more than 3,000 industry partners. QS Stars: MSU holds a 5-star overall rating across several assessed categories. These figures offer useful information about the university. However, students should remember that university-wide employability statistics do not guarantee employment in a particular field after graduation. The best programme will depend on your interests, academic background, financial situation and career plans. Fashion and Beauty Courses at MSU Malaysia MSU offers several relevant Bachelor's degree and Diploma programmes. Bachelor's Degree Programmes Bachelor in Fashion Design with Marketing (Hons) Bachelor in Beauty and Hair Management (Hons) Bachelor of Spa Management (Hons) Diploma Programmes Diploma in Fashion Design Diploma in Beauty Management Diploma in Hairdressing Diploma in Spa Management Each programme focuses on a different professional direction. Understanding those differences can help you avoid choosing a course based on its name alone. 1. Bachelor in Fashion Design with Marketing (Hons) Best suited for students interested in fashion design, branding and the business side of the fashion industry. Have you ever imagined creating your own clothing collection or launching a fashion brand? Fashion design involves more than choosing colours and fabrics. Designers need to understand customers, product development, presentation and how their work fits into the market. The Bachelor in Fashion Design with Marketing (Hons) at MSU combines fashion-related education with a marketing focus. This makes it an option for students who are interested in the creative side of fashion but also want to understand how fashion businesses operate. What Can You Explore in This Field? Depending on the programme's current curriculum, relevant areas may include: Fashion design and creative development Fashion illustration and design concepts Fashion marketing and branding Consumer preferences and fashion trends Fashion product development Fashion business and entrepreneurship Students should review the official course structure to confirm the modules offered in their intake. Career Opportunities After Fashion Design Graduates may explore positions such as: Fashion Designer Fashion Marketing Executive Fashion Merchandiser Fashion Product Developer Fashion Brand Executive Fashion Entrepreneur Some graduates may prefer working with established fashion businesses, while others may eventually want to create their own clothing labels. Who should consider this programme? Students who enjoy design, have creative interests and want to understand fashion as a business may find this programme suitable. 2. Bachelor in Beauty and Hair Management (Hons) Best suited for students interested in beauty services, hairstyling, salon management and beauty entrepreneurship. If you enjoy working with beauty products, hairstyles, personal grooming or skincare, you may have already considered turning that interest into a profession. The beauty industry includes many different roles. Some professionals provide specialist services, while others manage salons, work with beauty brands or operate their own businesses. MSU's Bachelor in Beauty and Hair Management (Hons) offers an academic pathway for students interested in the beauty and hair sector, including its management aspects. What Can You Learn About This Industry? Areas relevant to beauty and hair management include: Professional beauty services Hair and salon operations Customer care and service standards Beauty product knowledge Business and staff management Beauty entrepreneurship The exact subjects and practical training requirements should be confirmed against MSU's latest syllabus. Career Opportunities in Beauty and Hair Management Potential career directions include: Salon Manager Beauty Consultant Hair and Beauty Business Manager Beauty Brand Representative Beauty Operations Executive Beauty Entrepreneur Students interested in opening a beauty salon or managing a beauty-related business may find this degree particularly relevant. 3. Bachelor of Spa Management (Hons) Best suited for students interested in spa operations, wellness services and hospitality-related management. Imagine working in a resort spa, managing a wellness centre or developing a business that focuses on relaxation and personal care. Spa management combines service delivery with business operations and customer experience. MSU offers the Bachelor of Spa Management (Hons) for students interested in this specialised area. What Does Spa Management Involve? The professional field covers areas such as: Spa and wellness operations Customer service and guest experience Spa business management Staff coordination Service quality and professional standards Wellness-related entrepreneurship Students should check the university's current programme outline for specific subjects and practical components. Career Opportunities After Spa Management Possible career paths include: Spa Operations Executive Spa Supervisor Spa Manager Wellness Centre Coordinator Resort Spa Professional Spa Business Owner Management positions often require practical experience in addition to academic qualifications. For students who enjoy hospitality, wellness and working with people, spa management may offer an interesting career direction. Diploma in Fashion and Beauty at MSU Malaysia A Bachelor's degree is not the only way to begin studying a creative subject. For students who prefer to start with a diploma-level qualification, MSU offers four relevant programmes. Diploma in Fashion Design This programme is intended for students interested in developing their understanding of fashion design. It may suit those who want to explore the creative and technical sides of clothing design before deciding on their longer-term career direction. Diploma in Beauty Management The Diploma in Beauty Management is an option for students interested in beauty services and the business aspects of the industry. It may be suitable for those who want to work in beauty-related businesses or explore opportunities in salon operations. Diploma in Hairdressing If hairstyling is your main interest, the Diploma in Hairdressing offers a more specialised academic direction. Students considering this field should pay particular attention to practical training, professional techniques and industry requirements. Diploma in Spa Management The Diploma in Spa Management is designed for students interested in spa and wellness-related work. It may provide a starting point for those who want to explore the operational side of spa services and later develop their professional experience. Bachelor's Degree or Diploma: Which Should You Choose? The right qualification depends on your academic background and what you want to achieve. A Bachelor's degree may be appropriate if you meet the university's entry requirements and want to pursue a degree-level qualification. A Diploma may be worth considering if you prefer a different entry pathway or want to begin with a more specialised qualification. Before making your decision, compare: Entry requirements Programme duration Tuition fees Practical learning opportunities Future study options Career relevance If you plan to progress from a Diploma to a Bachelor's degree, ask whether credit transfer or advanced standing is available. These arrangements are subject to university approval. MSU Malaysia Admission Requirements for Bangladeshi Students One of the most common questions students ask is: Can I apply to MSU Malaysia after completing SSC or HSC in Bangladesh? The answer depends on the programme you want to study and whether your qualifications meet the university's entry requirements. For Bachelor's Degree Applicants Students with HSC, A Levels or other recognised qualifications may be considered for relevant Bachelor's programmes, subject to MSU's academic equivalency requirements. For Diploma Applicants Students with SSC, HSC or other recognised qualifications should check the specific entry requirements for their chosen Diploma programme. Having an SSC qualification does not automatically guarantee direct admission. English Language Requirements International applicants may need to demonstrate English language proficiency. Accepted tests, minimum scores and any alternative English-language pathways depend on the programme and university regulations. Documents Commonly Required Students should generally prepare: Valid passport Academic certificates Academic transcripts Recent passport-size photograph English language test results, if applicable Additional documents requested by the university Document requirements can vary by programme and applicant. Creative Consultancy can help Bangladeshi students review their academic background and understand the application requirements before submission. How Much Does It Cost to Study Fashion and Beauty at MSU Malaysia? Tuition fees are an important consideration for Bangladeshi students and their families. The total cost depends on the programme, course duration, university fees and personal living expenses. Students should consider the following expenses when planning their budget: Tuition fees Registration and administrative charges Student visa and EMGS-related charges Medical screening and insurance Accommodation Food and transport Learning materials and personal expenses Some creative programmes may also require additional materials or equipment. Since fees and payment schedules can change, students should request an updated official fee breakdown before making a financial commitment. For the latest MSU Fashion and Beauty tuition fees, you can contact Creative Consultancy and request programme-specific information. Career Opportunities After Studying Fashion and Beauty in Malaysia A qualification in fashion, beauty or wellness can lead to several types of work, depending on your skills, experience and chosen specialisation. For example, a Fashion Design graduate might pursue opportunities with a clothing brand or fashion business. A Beauty and Hair Management graduate might work in salon operations or with a beauty company. A Spa Management graduate might explore employment in hotels, resorts or wellness facilities. Some students may eventually choose entrepreneurship and start their own businesses. However, studying in Malaysia does not automatically provide employment rights or guarantee a job in Malaysia or another country. International graduates must follow the employment and immigration rules of the country where they intend to work. The best way to prepare is to develop your professional skills, gain relevant experience and understand the requirements of your preferred career. Why Should Bangladeshi Students Consider Malaysia? Malaysia is a study destination worth exploring for students who want to experience international higher education in Asia. For Bangladeshi families, choosing Malaysia may involve several considerations. English-Medium Education Many Malaysian universities offer programmes taught in English, including MSU. International Student Environment Studying with people from different backgrounds can help students develop communication skills and become more comfortable in a multicultural environment. Different Academic Pathways Students can explore programmes at Diploma, Bachelor's and postgraduate levels, depending on their qualifications. Opportunities to Explore Creative Careers Universities such as MSU offer specialised courses in Fashion Design, Beauty Management and Spa Management. Students should compare the total cost, course structure and future study opportunities before choosing a university. How to Apply to MSU Malaysia from Bangladesh Applying to a university overseas requires careful preparation. Here is a practical overview of the process. Step 1: Choose Your Programme Decide whether you want to study Fashion Design, Beauty and Hair Management, Spa Management or a related Diploma programme. Step 2: Check Your Eligibility Review your academic results, English language qualifications and the programme's entry requirements. Step 3: Prepare Your Documents Gather your certificates, transcripts, passport and other required documents. Step 4: Submit Your University Application Submit the required information and documents for university assessment. Step 5: Receive Your Admission Decision If your application is successful, the university may issue an offer letter outlining the admission conditions and applicable fees. Step 6: Complete the Student Visa Process Follow the university's instructions for visa-related documents, payments and Education Malaysia Global Services (EMGS) procedures. Visa approval is subject to the relevant Malaysian authorities. Step 7: Prepare for Malaysia Once the necessary approvals and travel arrangements are in place, prepare for accommodation, travel and university registration. Working with an experienced education consultancy can make the process easier to understand, especially for students applying abroad for the first time. Why Apply Through Creative Consultancy? When you are planning to study overseas, you need accurate information about universities, programmes, admission requirements and visa procedures. Creative Consultancy , based in Dhaka, Bangladesh, provides education counselling and admission assistance to students planning to pursue international higher education. Our work began in 2021 with a focus on helping students explore overseas education opportunities. Today, we assist students interested in a range of academic programmes, including those offered by Malaysian universities. ICEF Agency Accredited Creative Consultancy is an ICEF Agency Accredited education consultancy (Agency ID: 7411) . Our team aims to provide responsible student counselling, clear admission information and professional support throughout the application process. How We Help Students Apply to MSU Malaysia Our services include: Programme and university selection guidance Academic eligibility assessment Admission application assistance Document preparation and checking Student visa application guidance Pre-departure counselling English language and visa interview preparation Travel and arrival-related assistance We understand that students and parents often have questions about academic eligibility, tuition fees, living expenses and visa processing. Our team helps applicants understand the process and make informed decisions before proceeding. Frequently Asked Questions About MSU Fashion and Beauty Courses 1. Does MSU Malaysia offer Fashion Design courses? Yes. MSU offers the Bachelor in Fashion Design with Marketing (Hons) and Diploma in Fashion Design. 2. Can Bangladeshi students apply to MSU Malaysia? Yes. Bangladeshi students can apply for relevant programmes, provided they meet the university's academic, English language and other admission requirements. 3. Does MSU offer Beauty Management courses? Yes. MSU offers the Bachelor in Beauty and Hair Management (Hons) and Diploma in Beauty Management. 4. Is there a Hairdressing Diploma at MSU? Yes. MSU lists a Diploma in Hairdressing among its academic programmes. 5. Can I study Spa Management at MSU Malaysia? Yes. MSU offers both a Bachelor of Spa Management (Hons) and a Diploma in Spa Management. 6. Can I apply after SSC or HSC? Eligibility depends on the qualification, the selected programme and MSU's admission requirements. Students should have their academic documents assessed before applying. 7. Is IELTS compulsory for MSU Malaysia? English language requirements depend on the programme and applicable admission regulations. Students should confirm accepted tests, minimum scores and any available alternatives. 8. How much are the tuition fees for Fashion and Beauty courses at MSU? Fees depend on the programme and intake. Students should request the latest official fee schedule and calculate the total cost before applying. 9. Can I work in Malaysia after completing my degree? Employment is subject to Malaysian immigration and work authorisation rules. Completing a degree does not automatically guarantee employment or a work permit. 10. How can I apply to MSU Malaysia through Creative Consultancy? You can contact Creative Consultancy with your academic background and preferred programme. Our team can guide you through eligibility checking, document preparation and the admission process. Start Your Fashion and Beauty Journey at MSU Malaysia If you are passionate about fashion, beauty, hairstyling or wellness, choosing the right course can help you move towards a professional career. Management and Science University offers several specialised programmes for students interested in these fields. Before applying, take time to understand the course content, admission requirements, costs and possible career directions. Thinking about studying Fashion Design, Beauty Management, Hairdressing or Spa Management at MSU Malaysia? Contact Creative Consultancy for programme information, admission guidance and assistance with your application from Bangladesh. Contact Creative Consultancy Creative Consultancy | CCApply ICEF Agency Accredited – Agency ID: 7411 Office Address: Lift-3, Ka-7/B, Bashundhara Residential Main Road, Near Jamuna Future Park, Dhaka-1229, Bangladesh. Call / WhatsApp: +8801788521234 +8801332106562 +8801332106563 Website: https://ccapply.com Your Dream, Our Guidance. Information note: Programme availability, entry requirements, fees, rankings and immigration policies may change. Confirm the latest details before applying.

Top 10 Private Universities in Malaysia for Computer Science and Technology Choosing a technology degree can feel confusing when every university seems to offer Computer Science, Artificial Intelligence or Cybersecurity. The course names may look similar, but what you study can differ. One programme may give you a broad foundation in computing. Another may focus more closely on software development, data analysis or network security. For Bangladeshi students planning to study in Malaysia, the decision also involves admission requirements, scholarships and the cost of living away from home. This guide introduces 10 private universities in Malaysia to consider for computer science and technology-related study , including APU, UCSI, INTI, SEGi, University of Cyberjaya, Nilai, MAHSA, Sunway, MSU and MMU. The list is an editorial shortlist, rather than an official ranking. Your best choice will depend on your qualifications, interests and budget. 1. Asia Pacific University of Technology & Innovation — APU APU is a useful starting point if you know you want to study computing but are still deciding on a specialisation. Its published Computing & Technology options include pathways related to Computer Science, Software Engineering, Artificial Intelligence, Data Analytics, Cyber Security and Digital Forensics. Check the individual course pages carefully, as some options are specialisms within a degree rather than separate qualifications. For students interested in AI, it is worth looking beyond the title. Read the mathematics, programming and computing modules to understand what the course will require of you. If you prefer building applications, compare the Software Engineering route with the broader Computer Science options. Who should consider APU? Students who want to compare several computing specialisations before choosing a degree. Creative Consultancy works with APU on student admissions. Contact our team to discuss the entry route, current fees and scholarship options applicable to your profile. 2. UCSI University UCSI offers Computer Science alongside a programme in Mobile Computing and Networking. These give students different starting points depending on whether they want a broader computing education or a more focused course. If you enjoy programming and want to understand how software is developed, begin by reviewing the Computer Science curriculum. If mobile systems and networks interest you, compare the related programme’s modules and practical work. Be careful to select information for the Malaysian campus and programme you intend to attend. Fees, delivery arrangements and admission information should match that exact choice. Who should consider UCSI? Students comparing general Computer Science with mobile computing and networking. Creative Consultancy supports students applying to UCSI. We can help you understand the application requirements and review the available programme information. 3. INTI International University & Colleges INTI offers a range of Computing & IT programmes, including options delivered through international university collaborations. Its published programme lists include Computer Science, Information Technology and collaborative degrees such as Computer Science with Artificial Intelligence in collaboration with Coventry University. Availability depends on the specific INTI institution and campus. That distinction matters. INTI International University and the different INTI college campuses do not offer identical programmes. Before accepting an offer, confirm: Where you will study. Which institution awards the qualification. Whether the programme is completed entirely in Malaysia. Whether any overseas transfer is optional or required. Who should consider INTI? Students interested in computing programmes who also want to compare international collaboration or transfer pathways. Creative Consultancy helps applicants explore suitable INTI options and prepare their admission documents. 4. SEGi University SEGi University publishes a three-year Bachelor of Computer Science (Honours) with specialisation options. Students should review the current curriculum to see how the programme develops their computing knowledge and practical skills. When researching SEGi, distinguish between SEGi University, SEGi Colleges and their different campuses . A collaborative college programme may have a different awarding institution and structure from a university programme. You should also check the study mode. An online degree and an on-campus degree are different arrangements. If you plan to move to Malaysia, make sure your application is for the appropriate programme and mode. Who should consider SEGi? Students comparing Computer Science options, specialisations and the final cost after any confirmed scholarship. Creative Consultancy can help you check the admission and scholarship options relevant to your chosen SEGi programme. 5. University of Cyberjaya — UoC Students may associate the University of Cyberjaya with health sciences, but it also offers a Bachelor in Information Technology (Honours). The university describes the programme as combining theoretical knowledge with practical application. Its published information includes subjects such as Human Computer Interaction. An IT degree is worth exploring if you are interested in how technology systems are developed, used and managed. Read the modules to understand its balance of programming, systems and applied technology. Do not assume that an Information Technology degree is identical to Computer Science or that every specialisation is available. Who should consider the University of Cyberjaya? Students looking specifically for an Information Technology degree. Creative Consultancy supports programme selection and admission applications to the University of Cyberjaya. 6. Nilai University Nilai offers several distinct computing routes, including programmes related to Artificial Intelligence, Data Science, and Internet Engineering and Cloud Computing. These subjects suit different interests. If you enjoy mathematics and working with data, investigate the AI and Data Science curricula. If you are more interested in networks, internet systems and cloud infrastructure, review the relevant IT programme. Before deciding, compare the compulsory modules, practical assessments and entry requirements. Who should consider Nilai? Students who want to explore a specific direction in AI, data or cloud-related technology. Creative Consultancy can assist with enquiries about current Nilai admission requirements, fees and intake availability. 7. MAHSA University MAHSA publishes a three-year Bachelor of Information Technology (Honours), alongside a Diploma in Information Technology. These options may be relevant to students entering with different qualifications. However, the appropriate route should follow an assessment of your academic documents. If you are considering a diploma before a degree, ask about progression conditions, possible credit exemptions and the combined study duration. Do not assume that a diploma automatically provides a fixed amount of advanced standing. Who should consider MAHSA? Students comparing diploma and bachelor’s routes into Information Technology. Review the complete pathway cost before choosing a route based only on its initial entry requirements. 8. Sunway University Sunway offers Computer Science and Software Engineering programmes. The relevant course pages also describe dual-award arrangements with Lancaster University; applicants should confirm the terms that apply to their selected course and intake. When comparing the two subjects, look at how much attention each gives to algorithms, software design, testing, systems and project work. A dual award is also something to understand precisely. Ask which qualifications you receive and what requirements you must meet. It does not automatically guarantee overseas transfer, employment or immigration benefits. Who should consider Sunway? Students comparing Computer Science and Software Engineering who also want to understand an international academic collaboration. 9. Management & Science University — MSU MSU’s Faculty of Information Sciences & Engineering covers computing and engineering-related areas. Its published programmes include Computer Science and Computer Engineering. These degrees should not be treated as interchangeable. If software, algorithms and programming interest you, examine the Computer Science curriculum. If you are drawn towards hardware and engineering systems, investigate Computer Engineering and its subject requirements. Your preparation in mathematics and relevant science subjects may influence which route is suitable. Who should consider MSU? Students deciding between computing and an engineering-related technology pathway. Creative Consultancy works with MSU on student admissions and can help you explore the programme options relevant to your background. 10. Multimedia University — MMU MMU’s published Bachelor of Computer Science structure allows students to study common subjects in the first year before specialising in areas such as Software Engineering, Game Development, Data Science or Cybersecurity. This structure may appeal to students who want to build a computing foundation before choosing a narrower direction. You should still check how specialisation selection works and whether your preferred option is available for your campus and intake. Who should consider MMU? Students who want to explore computing fundamentals before committing to a specialisation. Comparing the 10 Universities University Technology areas to explore APU Computer Science, Software Engineering, AI, Cyber Security and Data Analytics UCSI Computer Science, Mobile Computing and Networking INTI Computer Science, IT and campus-specific international collaboration programmes SEGi Computer Science and applicable specialisations University of Cyberjaya Information Technology Nilai AI, Data Science, Internet Engineering and Cloud Computing MAHSA Diploma and bachelor’s routes in Information Technology Sunway Computer Science and Software Engineering MSU Computer Science and Computer Engineering MMU Computer Science with specialisation options including software, games, data and cybersecurity Programme names and availability can change. Confirm the exact degree, campus and study mode before applying. Which Technology Subject Should You Choose? Start with the work you enjoy doing, rather than the subject receiving the most attention online. Computer Science Explore Computer Science if you want a broad understanding of programming, algorithms and computing systems. Read the curriculum to see which specialisations or electives become available later. Software Engineering Consider Software Engineering if you enjoy building applications and want to study how software is designed, developed, tested and maintained. Look for meaningful project work and opportunities to practise working in a team. Artificial Intelligence AI may interest you if you enjoy programming, mathematics and investigating how computational systems solve problems. Review the mathematics and statistics content before applying. An appealing course title does not tell you whether you will enjoy the daily work. Data Science Data Science is worth exploring if you like analysing information, using statistics and writing code to answer questions. Check the balance between computing, mathematics and applied projects. Cybersecurity If you are curious about protecting systems and investigating vulnerabilities, explore Cybersecurity. A sound understanding of networks, operating systems and computing fundamentals matters alongside specialist security modules. Information Technology IT programmes may appeal to students interested in applying and managing technology within organisations. Compare the actual modules, because the balance of software, networking and systems can vary between universities. Admission Requirements for Bangladeshi Students Admission requirements differ by university and programme. Your overall result is only part of the assessment. For computing courses, mathematics requirements deserve particular attention . The university may consider specific subjects and grades as well as your overall qualification. For an initial assessment, prepare: SSC and HSC certificates and transcripts, or equivalent qualifications. A valid passport. English-language evidence, where required. Diploma or previous university documents, if applicable. Depending on your qualifications, you may be considered for direct bachelor’s entry, a foundation programme or a diploma route. English-language alternatives and conditional admission arrangements must be checked for the exact programme and applicable Student Pass requirements. How Much Does It Cost to Study Technology in Malaysia? A useful budget covers the whole study plan. Request a written fee breakdown showing tuition, compulsory university charges and applicable taxes. Then add accommodation, food, transport, visa-related expenses, insurance, medical screening, flights and an emergency allowance. If you need a foundation programme before your degree, include both stages. When reviewing a scholarship, ask: Does it apply to every year? Which fees are excluded? Must you maintain a particular result? What happens if you repeat a subject or extend your studies? Compare the remaining amount payable , rather than scholarship percentages alone. Creative Consultancy can help you review available fee information and prepare an estimated budget for your selected options. Does an Internship Guarantee a Job? An internship or industrial placement can help you experience a workplace and apply what you have learned. It does not guarantee a job. During your degree, make time to build projects, practise programming and improve your communication skills. Keep examples of your work that you can explain to a potential employer. For international students, employment also depends on the applicable work permission requirements and the employer’s recruitment decisions. Questions to Ask Before Accepting an Offer Before paying, make sure you can answer these questions: What is the exact qualification and who awards it? Which campus and study mode have I selected? Do I meet the academic and English requirements? What is the full programme cost? What are the written scholarship conditions? How are projects and industrial training organised? What is the programme’s accreditation status? What are the refund, repeat-subject and credit-transfer rules? Clear answers now can prevent confusion later. How Creative Consultancy Can Help You do not need to have your university shortlist finished before contacting us. At Creative Consultancy , we begin with your academic background, preferred subject and budget. We help you compare relevant programmes and understand what each application involves. Our support includes university selection, admission documents, scholarship enquiries, application follow-up, student visa application assistance and pre-departure guidance. We work with several Malaysian university partners, including APU, UCSI, INTI, SEGi, University of Cyberjaya, Nilai and MSU. For any university on your shortlist, we will clarify the assistance available through our team before proceeding. Creative Consultancy began its journey in 2021 with medical and dental counselling and now supports students across a wider range of undergraduate and postgraduate pathways. Dr. Eakramul Haque BDS (DU) Founder & Managing Director Creative Consultancy Frequently Asked Questions Which private university in Malaysia is best for Computer Science? There is no single answer for every student. Compare the curriculum, admission requirements, cost, projects and available specialisations against your needs. Can I study Computer Science in Malaysia after HSC? You can request an assessment after HSC. Direct entry or an alternative pathway depends on your subjects, grades and the university’s requirements. Should I choose AI or a broader Computer Science degree? Compare the modules first. If you are still exploring your interests, a broader computing programme with relevant electives may be worth considering alongside a specialised AI degree. Can I transfer credits from my current university? You may request an assessment using your transcript and detailed course outlines. The receiving university decides which credits it accepts. Are scholarships available? Scholarships or tuition discounts may be available to eligible applicants. Confirm the amount, duration and conditions in writing. Can Creative Consultancy assist with admission? Yes. Contact us with your academic documents, preferred course and approximate budget so we can discuss suitable options and the support available. Plan Your Technology Degree With Creative Consultancy The right course should match what you want to learn and what your family can afford. Whether you are considering APU, UCSI, INTI, SEGi, University of Cyberjaya, Nilai, MAHSA, Sunway, MSU or MMU, take time to understand the programme before accepting an offer. Share your academic documents and study plans with Creative Consultancy. We can help you compare your options and identify your next step. Creative Consultancy Call or WhatsApp: +8801788521234 +8801332106562 +8801332106563 Visit our office: Lift-3, Ka-7/B, Bashundhara Residential Main Road Near the Pocket Gate of Jamuna Future Park Behind Talha Healthcare Limited Dhaka-1229, Bangladesh Website: ccapply.com Directions: Find our office on Google Maps

Credit Transfer from Bangladesh to Malaysia: American, Australian and International Degree Pathways Explained You may be halfway through a BBA in Bangladesh and wondering whether you can finish abroad. Perhaps you want an American degree but would prefer to begin your studies in Malaysia. Or you have completed a diploma and want to know how much of it can count towards a bachelor’s degree. The question behind all these situations is similar: how can you move forward without unnecessarily repeating what you have already learned? Credit transfer can help, but the answer depends on your academic record and the programme you want to join. Completing two years at one institution does not automatically mean entering Year 3 at another. This guide explains how credit transfer works, what American and Australian degree transfer programmes involve, how universities assess previous study and how to compare the time and cost before making a decision. What Is Credit Transfer? Credit transfer allows a university to assess your previous study and decide whether it can count towards a new qualification. Suppose you passed Financial Accounting at your current university. The receiving institution may compare that module with its own Accounting course. If the content, academic level, workload and results meet its requirements, it may award credit so you do not have to repeat the equivalent study. The module name alone is not enough. Two courses called “Introduction to Programming” could teach different languages, cover different material or involve different assessment. That is why universities often request detailed course outlines alongside your transcript. The University of Queensland, for example, explains that previous tertiary study can be considered where its content and workload are comparable to UQ courses. It requests academic records and relevant course information for assessment. Two Different Reasons Students Ask About Transfer Most enquiries fall into one of two groups. You have already started studying somewhere. You want another university to assess what you have completed and tell you how much can count towards its degree. You have not started yet and want a planned international route. You are considering a programme designed around beginning in Malaysia and completing your degree overseas. These situations need different planning. For an existing student, the starting point is your transcript and syllabus. For a new pathway student, it is your intended destination degree and the subjects needed to reach it. Can You Transfer Credits from Bangladesh to Malaysia? You can request an assessment of previous study from a recognised institution. Approval depends on the receiving university and the qualification you want to complete. For example, UTAR’s published policy allows consideration of previous local or foreign study, including an incomplete accredited degree. Its faculties carry out the academic assessment. This is one institutional example; other universities have their own procedures. Typical enquiries include: Moving from a Bangladeshi BBA to a Malaysian business degree Continuing a related computing degree in Malaysia Progressing from a relevant diploma to a bachelor’s degree Moving between Malaysian universities Transferring from an international programme to another awarding university Your university’s recognition matters, but recognition alone does not establish that every module matches the new degree. “I Have Completed 80 Credits. How Many Will Be Accepted?” A responsible answer starts with an assessment, rather than a promise. Imagine you have completed 80 credits in a BBA. Your transcript may include Accounting, Economics, Marketing, Mathematics, English and several general subjects. A receiving university might find direct matches for some modules, accept others as electives and decline subjects that do not fit its degree. Here is an illustrative example only : Assessment item Example Credits completed at the original institution 80 Credits accepted towards the receiving degree 48 Total credits required by the receiving degree 120 Credits remaining 72 These figures are not a prediction for a particular student. There is another complication: credit systems differ. Eighty credits from your current institution may not use the same workload measurement as credits in Malaysia, the USA or Australia. You therefore need answers to two separate questions: How much previous study has been accepted? Exactly what must I complete to graduate? The second answer is what helps you plan your time and budget. What Universities Look at During a Credit Assessment An academic assessor may examine the module content, learning outcomes, level, credit value, assessment and your result. Malaysia’s qualifications agency, MQA, describes transfer through subject mapping. Its general guidance includes a minimum grade C, equivalent credit value, at least 80% curriculum equivalence and recognition of the original programme. Additional institutional or professional requirements can apply. Your overall CGPA is relevant to admission, but individual module results may also affect transfer decisions. A good result in one subject does not replace a missing prerequisite in another. Similarly, a university may admit you to a degree while awarding fewer credits than you expected. Not All Accepted Credits Have the Same Effect A credit assessment may produce different outcomes. Outcome What it can mean Credit for a specific module Previous study satisfies an identified course requirement Elective or unspecified credit Previous study counts within an eligible elective category Block credit An approved group of previous studies counts towards part of the degree Exemption You may be excused from a module but still need replacement study No credit The previous study does not satisfy the receiving programme’s requirements The difference between credit and exemption is especially important. For example, UQ’s policy defines an exemption as removing the requirement to take a specified course without reducing the total units needed to graduate; replacement study is required. When reviewing an outcome, ask whether it reduces your remaining workload or simply changes which subjects you must take. American Degree Transfer Programmes in Malaysia An American Degree Transfer Programme , also called ADTP or AUP, provides a planned route into an American-style undergraduate education. Students begin their studies in Malaysia and apply to complete the remaining requirements at an overseas university. INTI lists structures such as 1+3, 1.5+2.5 and 2+2 for its American pathways. Pathway Approximate Malaysian stage Approximate overseas stage 1+3 One year Three years 1.5+2.5 One and a half years Two and a half years 2+2 Two years Two years These describe intended structures. The actual completion period depends on the destination degree, approved credits and progression conditions. What Do Students Study Before Transferring? INTI’s American programme listings include Business, Computer Science, Engineering, Psychology, Biosciences and other fields. The early stage can include general education and subjects related to the intended major. At INTI, the Business pathway describes general education choices in the first year and more major-related study in the second. Choosing those subjects carefully matters. A course that satisfies one university’s requirements may count differently at another. Why Choose the Destination Early? Suppose your goal is a specific Computer Science degree. That university may expect particular Mathematics and Programming courses before you enter its later stages. If you choose unrelated electives instead, you could still receive some credit but have more compulsory study remaining. A useful pathway discussion should identify your preferred universities, intended major and required subjects before you register for modules. Do Transfer Agreements Guarantee Admission? An articulation agreement or equivalency table can make the route clearer. It can explain how specified courses may be recognised under stated conditions. INTI reports approved equivalency tables and articulation agreements within its American University Program. However, you still need to satisfy the receiving institution’s admission and progression requirements. Iowa State University’s international transfer guidance, for example, asks students to provide official course syllabuses. Its transfer processes distinguish evaluating previous credit from applying that credit to particular degree requirements. Is the Malaysian Stage a Completed Degree? Do not assume so. MQA’s listing for an INTI American Degree Transfer Programme identifies it as an incomplete qualification at bachelor’s level, with students expected to continue their remaining study overseas. Before enrolling, ask what happens if your overseas plans change. Find out what academic record you receive and what alternative completion routes could be assessed. Australian Degree Transfer Programmes in Malaysia An Australian degree transfer route allows students to complete selected study in Malaysia before applying to finish at an overseas university. INTI’s Australian Degree Transfer Programme in Commerce describes one to two years of study at INTI, followed by transfer to collaboration universities in Australia or the UK. Its published pathway material includes 1+2 and 2+1 structures. Which Subjects Does the Commerce Pathway Cover? INTI’s published structure includes Accounting, Economics, Finance, Marketing, Management and other Commerce-related subjects. This pathway should not be treated as a general transfer agreement for every degree. A Commerce route does not automatically provide progression into Medicine or Engineering. Which Universities Are Listed? INTI’s programme page lists destinations including Swinburne University of Technology and the University of Queensland in Australia, as well as selected UK institutions. Confirm the specific destination degree, credit arrangement, required results and remaining duration. A university appearing on a pathway page does not mean all its programmes are included. Campus and Intakes INTI currently lists the Commerce pathway at INTI International University , with January, May and August intakes. The Malaysian intake and overseas entry date may not line up exactly. Ask when your results will be available and whether there could be a waiting period before the next overseas semester. Transferring to Canada, the UK or New Zealand Students also ask whether credits earned in Malaysia can support a move to other destinations. Selected possibilities appear in institutional pathway information, but they need to be assessed individually. INTI’s American pathway material, for example, includes Canadian and selected other destinations. For each proposed route, establish: The receiving university and exact degree Whether a current transfer arrangement applies The academic and English requirements How previous study will count The remaining duration and cost The next available entry date Do not assume that approval for one country or institution carries over to another. Transferring from a UK Degree Taught in Malaysia You may already be studying a UK university programme delivered in Malaysia through a college partnership. That can provide a basis for a transfer enquiry, but a UK awarding university does not make relocation automatic. Ask whether you are seeking an internal move within the same awarding university, an approved partner transfer or a fresh application to a different institution. Each arrangement can have different conditions. The British Council advises students considering UK degrees in Malaysia to check arrangements with both the awarding university and the Malaysian teaching institution. Diploma-to-Degree Progression A completed diploma can sometimes support admission with advanced standing in a related degree. This involves study at different qualification levels, so it should be distinguished from moving between two bachelor’s programmes. Policies vary. UTAR, for example, publishes a vertical transfer range of 30%–50%, depending on the programme and relevant results. Your diploma title alone does not establish entry into Year 2 or a final-year top-up. Request an assessment of the actual modules. Foundation, Top-Up, 3+0 and 4+0: What Do They Mean? These routes are often confused with credit transfer. Foundation: Preparation for degree entry. MQA’s guidance states that foundation study does not transfer as credits into a diploma or bachelor’s degree. Top-up degree: A defined completion route for applicants holding specified prior qualifications. Eligibility must be assessed. 3+0 degree: Generally a three-year partner-university degree completed in Malaysia. 4+0 degree: Generally a four-year degree completed locally under the relevant arrangement. INTI lists selected American 4+0 collaborations alongside its overseas transfer routes. The important distinction is whether your chosen programme is designed to be completed locally or requires further study elsewhere. Can You Transfer into a Different Subject? You can ask, but a change of subject may reduce the amount of useful credit. Moving between related Business degrees may offer more potential matches than moving from Business to Engineering. Some general subjects could be considered, while most of the new subject’s compulsory modules remain. Ask whether the transfer makes academic sense, not simply whether you can receive any credit. A small amount of accepted study may still be worthwhile if the new degree is a better fit, but you should understand the extra time involved. Can Medical and Other Professional Students Transfer? Medicine, Dentistry, Pharmacy and other regulated courses require separate consideration. Clinical learning, curriculum sequence and professional requirements can limit the available routes. UTAR’s policy, for example, states that MBBS transfer evaluation follows Malaysian Medical Council guidelines and procedures. A general credit-transfer estimate should never be used as the basis for leaving a professional programme. Seek a course-specific academic decision and clarify the implications for future registration. Documents That Make an Assessment Easier A clear application helps the university understand exactly what you studied. Document Purpose Official transcript Shows subjects, results and credits Detailed module outlines Explains content and learning outcomes Learning hours and credit information Supports workload comparison Assessment details Explains how the module was assessed Official grading scale Helps interpret results Enrolment or completion documents Confirms your academic status Earlier qualifications Supports entry assessment English evidence, where required Supports language assessment Use the syllabus from the period when you took the course. UQ’s published procedure specifically requests detailed course information from the time of study where no current agreement or precedent covers the assessment. Also disclose previous institutions when requested. An incomplete or unsuccessful period of study may still need to appear in your application. Will Transfer Credits Shorten Your Degree? They may, but the calendar matters as much as the credit total. A compulsory module could be available only in a particular semester. Another may require you to complete a prerequisite first. A project or placement may follow a fixed sequence. You could therefore receive substantial credit without reducing your degree by the exact period you expected. Request a written study plan showing the modules remaining, their sequence and the earliest realistic graduation date. Tuition Fees and the Full Transfer Budget There is no single fee for credit transfer. An existing student’s cost depends on the receiving institution, accepted modules and remaining duration. A planned overseas pathway involves costs in at least two locations. Budget stage Costs to investigate Malaysian stage Tuition, compulsory charges, accommodation and living costs Transfer applications Application, assessment, document and translation charges where applicable Overseas stage Remaining tuition, compulsory fees and living costs Moving between countries Visa-related costs, flights, deposits and arrival expenses A Malaysian programme quotation is not the full cost of an American or Australian degree completed overseas. Ask how fees are calculated after credit approval. Some institutions charge by module or credit; others use semester or programme arrangements. Does Transfer Always Save Money? No. It can save money when you avoid repeated study or complete part of a degree in a less expensive location. However, an extra semester, changed major or fewer accepted credits can reduce those savings. Compare three options where relevant: finishing your current degree, transferring directly, and joining a planned pathway. Scholarships for Transfer Students Ask specifically whether an award is open to international transfer applicants . Check the required grades, minimum remaining study period, exclusions and renewal conditions. Do not assume a scholarship advertised for first-year applicants also applies to advanced entry. Include a scholarship in your final budget only after receiving written approval. Admission, Credit Approval and Visa Approval Are Separate A student can receive an admission offer before the full credit assessment is complete. An academic transfer decision also does not establish immigration eligibility. Ask when each decision will be issued and whether accepting credits changes the official programme duration. For example, UQ’s published procedure states that accepted credit for an international student is reflected in the Confirmation of Enrolment. Plan travel and withdrawal from your current institution around confirmed requirements. What If the Transfer Does Not Go Ahead? Discuss alternatives before starting a pathway. Possible enquiries include another destination university, a later intake, additional modules or an alternative degree completion route. None should be assumed available without assessment. Also check refund, deferment and withdrawal conditions. These become particularly important if the overseas stage is essential to completing the qualification. How Creative Consultancy Helps Creative Consultancy supports students exploring credit transfer from Bangladesh to Malaysia and international degree pathways through Malaysia. Through our university connections, including INTI, we help with American and Australian transfer programme enquiries, university applications and academic-assessment follow-up. Our work starts with your current position. A student with 80 BBA credits needs a different discussion from an HSC graduate planning a 2+2 route. We help you organise documents, ask the receiving institution for an assessment and review the proposed study period and fees. We also assist with admission, visa guidance and pre-departure preparation. The receiving university decides how much credit to award. Our role is to help you reach that decision with the necessary information and understand what it means. Frequently Asked Questions Can I transfer from a Bangladeshi private university? You can request an assessment. Programme recognition, module content, results and the receiving institution’s policy will affect the outcome. Can I transfer after one semester? Ask the receiving university. The amount of completed study may affect both your applicant category and the credit available. Do failed subjects transfer? Do not assume they will. A university may still require your full academic record even where a failed subject earns no credit. Will my CGPA transfer? Policies differ. Some universities award external credit without carrying over the original grade. Ask how accepted study will appear on your new record. Is 2+2 guaranteed to take exactly four years? No. It describes a planned structure. Your destination requirements, subject choices and progression determine the actual duration. Can I appeal a credit decision? Ask about the institution’s review procedure and deadline. Additional official syllabus information may be useful, but it does not guarantee a changed decision. When should I request an assessment? As early as the receiving institution allows. Some provide an assessment with admission; others complete it later. Understand that timing before making commitments. Discuss Your Credit Transfer Options Before deciding to start again—or assuming you can enter the final year—find out what your previous study can count towards. Send Creative Consultancy your transcript, current programme, university name and preferred destination. We can help you explore a suitable route and prepare for the university’s assessment. Creative Consultancy Lift-3, Ka-7/B, Bashundhara Residential Main Road Near the Pocket Gate of Jamuna Future Park Dhaka 1229, Bangladesh Phone: +8801788521234, +8801332106562, +8801332106563 Website: ccapply.com
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