There is rarely one scholarship that pays for everything. The realistic way to fund an overseas Islamic-studies degree is to stack two or three sources, and to plan the money years before you need it.
The honest headline
For an undergraduate in Islamic disciplines, the portable money is overwhelmingly Malaysian, especially zakat and state-foundation funds. The famous international names - Commonwealth, Chevening, Erasmus Mundus, Aga Khan - are postgraduate only, and the Islamic Development Bank's undergraduate scheme is for Muslim minorities in non-member countries, so Malaysians are generally not eligible. Plan around what actually exists for a school leaver.
Build your funding stack
Layer 1 - Destination scholarship
The university's or foreign government's own award (Al Qasimia, Madinah, Turkiye Burslari, Diyanet, Brunei, Qatar, AMCI). Often the largest single piece. See International Funds and each card in the Explorer.
Layer 2 - Malaysian portable fund
Zakat (through your state religious council) or a state foundation grant or loan. These follow you overseas and are the most relevant sources for this field. See Malaysian Funders.
Layer 3 - Loan or family plan
The MARA education loan (Bumiputera, reaches overseas), a state-foundation loan, or the family's own Takaful education savings, to close whatever gap remains.
The rule that trips people up
Source
Covers overseas?
Note
PTPTN
No
Funds study in Malaysia only, including the local part of a twinning programme, and foundation at approved institutions. Use it for a Malaysian foundation or degree, not the overseas degree.
MARA education loan
Yes
Bumiputera; Foundation, Diploma and Degree; local and international. More flexible than the MARA scholarship (which needs 8A SPM).
State zakat / state foundations
Yes
Several explicitly fund Islamic study in Egypt, Jordan and Morocco. Often need-based or tied to state origin.
Plan the money early
Start a small, steady Takaful education savings plan the year you enrol in KMSS. The aim is modest but powerful: enough to cover at least a foundation year post-IGCSE, so that a scholarship applied for later is a bonus, not a lifeline. Combine that with the right stack above and the cost of studying abroad becomes reachable for an ordinary family.
Please read - this is a search aid only. It carries no liability for accuracy or for later changes to eligibility, amounts or availability. Funding rules change every cycle. Always confirm directly with each funder before relying on it.