BANK ACCOUNTS MAY BE FROZEN
No access to funds can disrupt payments, payroll and daily operations.
Your Business Took Years to Build. Don't Leave Its Future to Chance.
As a business owner, your affairs are more than personal—they're tied to your company, your staff, and your family's future. Koha helps you put clear instructions in place, backed by legal professionals and trustee partners, so your business and your loved ones are protected when it matters most.
Koha Legacy Assurance. Protecting over 1,000+ Malaysian SME founders & families
THE RISKS BUSINESS OWNERS FACE WITHOUT A WILL OR SUCCESSION PLAN
When something happens to you, what happens to your business?
CONTRACTS & FINANCING MAY BE AFFECTED
Suppliers, lenders and partners may pause or withdraw if there's no clear authority.
NO ONE CAN TAKE CONTROL AUTOMATICALLY
Even family members may not have the legal authority to make decisions.
DELAYS IN ESTATE ADMINISTRATION
Obtaining Letters of Administration can take months – causing costly delays and uncertainty.
DISPUTES AMONG FAMILY OR HEIRS
Without clear instructions, conflicts can arise and harm relationships and the business.
LOSS OF CONFIDENCE FROM STAFF, CUSTOMERS & SUPPLIERS
Uncertainty about leadership can lead to loss of trust and business opportunities.
BUSINESS VALUE AT RISK
Operations may stall, opportunities may be missed and the value of your business can decline.
INCAPACITY CAN BE JUST AS DISRUPTIVE AS DEATH
If you're unable to make decisions, your business can stall without the right legal arrangements.
A WILL PROTECTS YOUR FAMILY. A SUCCESSION PLAN PROTECTS YOUR BUSINESS. PLAN TODAY. PROTECT TOMORROW.
About Koha
Koha is a digital legacy planning platform that combines technology with a trusted network of legacy planners, legal professionals, and trustee partners. We simplify the planning process so you can create a legally sound legacy plan with confidence.
Guided Steps
Navigate your legacy planning journey with clear guidance every step of the way.
MSME-Friendly Pricing
Accessible and transparent pricing designed specifically for the budgets of micro and small businesses.
Plan Ahead
Ensure that your assets are passed on according to your wishes, reducing unnecessary stress and confusion for your family.
Legacy Planning Solutions
Choose the planning approach that best fits your needs.
Conventional Legacy Planning
Helping non-Muslims plan with clarity and confidence.
Will Writing
Dictate exact asset distribution, appoint trusted executors, and avoid lengthy administrative processes.
Trust Solutions
Ensure your loved ones are cared for with trust arrangements that provide secure asset management and controlled distribution for future generations.
Lifetime Custody and Corporate Execution
Secure document custody throughout your lifetime, backed by professional corporate execution when your estate plan needs to be carried out.
Islamic Legacy Planning
Helping Muslims plan in accordance with Syariah principles.
Wasiat
Clearly document your wishes for the distribution of your estate in accordance with Islamic principles.
Hibah
Transfer selected assets to your intended beneficiaries during your lifetime.
Harta Sepencarian
Plan for the fair recognition and distribution of jointly acquired assets between spouses, helping provide greater certainty and reduce potential disputes.
Start with a Complimentary Consultation
Talk with a Legacy Planner to discuss your circumstances and understand your estate planning options.
Frequently Asked Questions
Common questions about estate planning, wasiat, and business succession for Malaysian SME owners.
Why do SME owners in Malaysia need estate planning?
Without a will or succession plan, bank accounts can be frozen, contracts and financing may stall, and no one automatically has authority to run the business. Estate planning for SME owners in Malaysia puts clear legal instructions in place so your company, staff, and family are protected.
What is business succession planning in Malaysia?
Business succession planning in Malaysia is the process of deciding who can manage or own your business if you die or become incapacitated. It works alongside your will or wasiat so leadership, assets, and day-to-day operations are not left in limbo.
Is there wasiat for business owners, not only personal assets?
Yes. A wasiat for business owners documents your wishes for estate distribution under Islamic principles, including how business-related assets should be handled. Koha also supports Hibah and Harta Sepencarian where they fit your circumstances.
What is the difference between conventional and Islamic (Syariah) legacy planning?
Conventional legacy planning typically covers will writing, trusts, and professional custody/execution for non-Muslims. Islamic legacy planning follows Syariah principles and may include Wasiat, Hibah, and Harta Sepencarian. Both paths are designed for Malaysian MSME founders and families.
How does the CGC × Koha partnership help MSMEs?
CGC and Koha connect Malaysian micro and small business owners with guided legacy planning, legal professionals, and trustee partners—at MSME-friendly pricing—so succession and estate plans are practical to complete, not just discussed.