Category: Koperasi Loan

  • New! Koperasi Tentera KT (KATMB): Best Express Loans with Low Interest Rate!

    New! Koperasi Tentera KT (KATMB): Best Express Loans with Low Interest Rate!

    Koperasi Tentera (KATMB)

    Koperasi Tentera (KATMB) provides Express Loans 1, 2, and 3 for various individuals and purposes, with a maximum loan amount of RM200,000. Apply now! Learn more for details.

    Popular Personal Loans

    Express Financing 1

    Specifications

    • Financing Amount: From RM600 up to a maximum of RM20,000.
    • Financing Tenure: From 6 months up to a maximum of 96 months.
    • Profit Rate: 3.65% per annum.
    • Processing Period: 1 working day.

    Eligibility

    • The applicant’s length of service must exceed the financing tenure or repayment period.

    Conditions

    • Repayment will include an additional charge of 0.85% per annum on the approved financing, which replaces the guarantor (using the Al Kafalah concept).
    • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

    Service Charges

    • New financing: RM10
    • Overlap financing: RM20
    • Stamp duty: RM5 per one thousand ringgit or part thereof.

    Express Financing 2

    Specifications

    • Financing Amount: From RM500 up to a maximum of RM10,000.
    • Financing Tenure: From 6 months up to a maximum of 60 months.
    • Profit Rate: 3.65% per annum.
    • Processing Period: 1 working day.

    Eligibility

    • The applicant’s length of service must exceed the financing tenure or repayment period.

    Conditions

    • Repayment will include an additional charge of 0.85% per annum on the approved financing, which replaces the guarantor (using the Al Kafalah concept).
    • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

    Service Charges

    • New financing: RM10
    • Overlap financing: RM20
    • Stamp duty: RM5 per one thousand ringgit or part thereof.

    Express Financing 3

    Specifications

    • Financing Amount: From RM600 up to a maximum of RM6,000.
    • Financing Tenure: From 6 months up to a maximum of 48 months.
    • Profit Rate: 4.25% per annum.
    • Processing Period: 1 working day.

    Eligibility

    • The applicant’s length of service must exceed the financing tenure or repayment period.

    Conditions

    • Repayment will include an additional charge of 0.85% per annum on the approved financing amount to replace the guarantor (using the Al Kafalah concept).
    • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

    Service Charges

    • New financing: RM10
    • Overlap financing: RM20
    • Stamp duty: RM5 per one thousand ringgit or part thereof.

    With Guarantors

    Specifications

    • Financing Amount: Maximum of RM200,000
    • Financing Tenure: From 6 months to a maximum of 120 months
    • Profit Rate: 5.65% per annum
    • Processing Period: 5 working days

    Eligibility

    • The total amount borrowed does not exceed 20 times the applicant’s gross income (salary and fixed allowances) or 60% of total deductions allowed, whichever is lower.
    • Applicants must have paid an entry fee of RM10 (RM20 for re-entry), a minimum share capital of RM100, and 6 months’ fees, totaling RM180.

    Terms

    • For financing of up to RM15,000, one guarantor is required.
    • For financing above RM15,000, two guarantors are required.
    • Guarantors must be members of the cooperative and still on active duty with the Malaysian Armed Forces.
    • For Non-KEMENTAH Members, two Armed Forces personnel must act as guarantors.

    Monthly Fee

    • For financing of up to RM15,000: RM30 per month
    • For financing between RM15,001 – RM200,000: RM40 per month

    Service Charges

    • New financing: RM10
    • Overlap financing: RM50
    • CTOS/CCRIS Check: RM5/RM7
    • Stamp duty: RM5 per one thousand ringgit or part thereof

    Without Guarantors

    Specifications

    • Financing Amount: Maximum of RM100,000
    • Financing Tenure: From 6 months to a maximum of 120 months
    • Profit Rate: 3.65% per annum
    • Processing Period: 5 working days

    Eligibility

    • Armed Forces personnel or civil servants employed by the Ministry of Defence, who have been confirmed in service and hold permanent positions.
    • The applicant’s length of service must exceed the financing tenure or repayment period.
    • Restricted to members who have held their membership for 5 years or hold the rank of Lance Corporal and above, or equivalent.

    Conditions

    • The total amount borrowed does not exceed 20 times the value of the applicant’s gross income (salary and fixed allowances) or 60% of total deductions allowed, whichever is lower.
    • Repayment will include an additional 0.85% charge per annum on the approved financing to replace the guarantor (Al Kafalah concept).
    • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry).

    Monthly Fee

    • For financing of up to RM15,000: RM30 per month
    • For financing between RM15,001 – RM100,000: RM40 per month

    Service Charges

    • New financing: RM10
    • Overlap financing: RM50
    • CTOS/CCRIS Check: RM5/RM7
    • Stamp duty: RM5 per one thousand ringgit or part thereof

    Fees

    Specifications for Fees Financing

    • Financing Amount: From RM600 to a maximum of RM100,000 or 90% of the total accumulated fees (whichever is lower).
    • Financing Tenure: From 6 months to a maximum of 120 months.
    • Profit Rate: 5.65% per annum.
    • Processing Period: 3 working days.

    Conditions

    • Cumulative fees collected will be used as collateral (Ar-Rahnu concept).
    • Applicants must have paid monthly fees for a minimum of 6 months (for new members) or 12 months (for re-entry). Membership must be confirmed for the same period.

    Monthly Fee

    • For financing of up to RM15,000: RM30 per month
    • For financing of RM15,001 and above: RM40 per month

    Service Charges

    • New financing: RM10.00
    • Overlap financing: RM50.00
    • Stamp duty: RM5 per one thousand ringgit or part thereof

    Note: For more information, visit the nearest Koperasi Tentera branch or contact the KT Customer Care Centre at 1-300-8000-58.

    Pinjaman Peribadi Koperasi Tentera KT KATMB

    *Source: katmb.com.my official website

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  • Koperasi Guru-Guru Sekolah India Perak (KOPINDPK): Best Personal Loans

    Koperasi Guru-Guru Sekolah India Perak (KOPINDPK): Best Personal Loans

    Koperasi Guru-Guru Sekolah India Perak (KOPINDPK)

    Welcome to Koperasi Guru-Guru Sekolah India Perak (KOPINDPK). If you would like to apply a personal loan, please contact us for assistance. We are located in Jalan Tun Abdul Razak, Ipoh Perak. You can ask anything about the product and business of KOPINDPK. 

    What is Biro Angkasa?

    Biro Angkasa atau acronym as ANGKASA is a body responsible for managing the salary deduction of employees in Malaysia. Most government employees benefit from these SPACE cuts. For example, you do not need to go to a bank or cooperative branch to settle the monthly installment payment. It is usually referred as BPA or Biro Perkhidmatan Angkasa.

    Popular Personal Financing

    Among the advantages that you can enjoy if you apply for KOPINDPK are as follows:

    • Competitive profit rates only 5% per annum.
    • Up to 90% financing.
    • Fast approval process of 24-48 hours.
    • Financing period 10 years.
    • Fresh loan is allowed.

    Education

    • Interest rate 5%
    • Max loan up to RM30,000
    • Repayment up to 72 months
    • Approval 24-48 hours only!

    Creadit 5.00% /p.a

    • Interest rate 5%
    • Up to 90% financing
    • Fast approval 24-48 hours only!
    • Repayment 120 months

    Vehicle Insurance 2.00%/p.a

    • The lowest interest rate in town right now!
    • Max loan amount RM5,000
    • Payment up to 24 months
    • Express approval process 24-48 hours

    Consumer/ Travel 3.00%/p.a

    • Interest rate 3% lowest right now
    • Max loan up to RM15,000
    • Repayment up to 72 months
    • Approval 24-48 hours only!

    With Guarantor 5.00%/p.a

    • Interest rate 5%
    • Max loan amount RM100,000
    • Fast approval 24-48 hours only!
    • Repayment 120 months

    Emergency 5.00% /p.a

    • The lowest interest rate only 5%
    • Max loan amount RM10,000
    • Payment up to 72 months
    • Express approval process 24-48 hours

    Contact KOPINDPK

    Koperasi Guru-Guru Sekolah India Perak KOPINDPK
    10F, Jalan Tun Abdul Razak
    30100, Ipoh, Perak. Malaysia.
    Tel: 05-506 1014
    E-Mail: kgsipkbhd@yahoo.com.my

    Koperasi Guru-Guru Sekolah India Perak KOPINDPK


    *Source: kopgurusekindiaperak.blogspot.com official website

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  • Koperasi Siswazah Bangi Berhad (KSBB): Education Innovation & Personal Financing

    Koperasi Siswazah Bangi Berhad (KSBB): Education Innovation & Personal Financing

    Koperasi Siswazah Bangi Berhad (KSBB)

    Koperasi Siswazah Bangi Berhad (KSBB) leads the way in education-based programs that foster innovation for the Industrial Revolution 4.0. With personal loan options tailored for graduates, KSBB supports your academic and financial journey.

    Apply for your personal loan today and unlock future-ready opportunities with KSBB—contact us now to get started!

    Introduction

    Koperasi Siswazah Bangi Berhad (KSBB) established in 2016 provides interest free educational loan. This personal loans is open to students and given by group. The establishment of this cooperative aims to provide space for postgraduate students to make cooperatives medium to conduct service-based business.

    KSBB provides opportunities for graduates to venture into entrepreneurship and business directly. KSBB is committed and committed to creating a conducive and friendly environment with customers, employees, suppliers and the surrounding community.

    • Provide an authorisation platform to members to offer consultancy services
    • Building business and social networks
    • Provide training opportunities to members in bargaining service offerings
    • Encourage cooperation among members and move in groups

    PROGRAMS IMPLEMENTED

    1. SME Education Undergraduate Program Executive Mod School Leave
    2. Global Digital University
    3. English Language Camp “The Finland Way”​
    4. Seminar on Transdisciplinary Education (STED)
    5. Learning Management System

    TAKE THE FIRST STEP TO YOUR FUTURE

    Koperasi Siswazah Bangi Berhad KSBB is an Executive UKM Graduate Programme Consultant. This programme aims to offer a Master of Education School Holiday Mode Course which provides special routes to educators through special packages

    Popular Personal Loans

    Interest-Free Education Loan

    Koperasi Siswazah Bangi Berhad offers** KSBB’s Interest-free Education Loan for undergraduates of the Executive UKM Master of Education (School Leave Mode)

    Koperasi Siswazah Bangi Berhad KSBB

    LOAN TERMS

    • Open to students for the Master of Education Programme of the Executive UKM (School Holidays Mode) who have paid a minimum tuition fee of RM1,500 and are enrolled in study.
    • Malaysian.
    • 45 years old and under.
    • Have a steady job.
    • Not blacklisted in CTOS.
    • Can’t withdraw from studies.
    • Loans are given by GROUP (3 students for 1 group) in Semester 2 and Semester 3 studies with a value of RM5,000 per student or RM15,000 per group.
    • Each member of the group must fill in the application form.
    • Approval of the loan will be considered after the application is completed and meets the specified conditions.
    • A processing fee of RM100 per person (for agreement, stamping,CTOS search, document delivery etc) is charged upon approval of the loan application.
    • Refund guarantee is in groups after graduation (beginning January).
    • The final date of acceptance of the application is on the MAC each year.

    Don’t miss this opportunity!!!

    For more information, please contact Koperasi Siswazah Bangi Berhad or join the following telegram group:

    Pusat Pengajian UKM Bangi :
    Iptar School Kota Samarahan SARAWAK :
    Kota Kinabalu SABAH School of Studies :
    IPG Kota Bharu School :

    **Subject to terms and conditions

    Students can apply for loans/scholarships after obtaining a letter of offer and enrolling in the Executive UKM Master of Education Programme (school leave mode).

    Among the financial resources:-

    1. PTPTN
    2. KWSP
    3. Bank Rakyat
    4. State Foundation
    5. Personal Loan

    Hashtag / Keywords

     #koperasi #personalloan #KSBB 

    Contact KSBB

    • Tel: 013-263 3315
    • Koperasi Siswazah Bangi Berhad
      Universiti Kebangsaan Malaysia, Aras 1,
      Bangunan Pentadbiran Kolej Keris Mas, Jalan Wira, UKM,
      43600 Bangi, Selangor
    • Opening Hours: Monday to friday 8am to 6pm

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  • Koperasi BUMIRA: Cash & Umrah Loans | Apply for Aidilfitri, Education & More

    Koperasi BUMIRA: Cash & Umrah Loans | Apply for Aidilfitri, Education & More

    Koperasi BUMIRA Malaysia Berhad

    Koperasi BUMIRA Malaysia Berhad offers six personal financing packages including cash loans and umrah loans, with options for Hari Raya Aidilfitri, Aidiladha, education, and more. Learn more about this trusted cooperative.

    Introduction

    Koperasi BUMIRA (M) Berhad is wholly owned by bumiputra at Lot 3.28 & 3.29, Second Floor Medan MARA, Jalan Raja Laut, 50350 Kuala Lumpur.

    A company established on 1 September 1972 under the name Syarikat Kerjasama Serbaguna Bumira Berhad.

    Ten years later, the name of the company was changed to Koperasi Bumira Berhad. The purpose of this cooperative was to carry out the functions of credit, consumer, housing, plantation and transportation.
    More on the form of loans to members consisting of MARA office staff. Nearly 90% of its members are bumiputra. The objective of this cooperative in accordance with subsection 4 (1) of the Act is to increase the economic interest of its members in accordance with the principles of co-operatives.

    Principles

    1. Voluntary and open membership
      Cooperative Society is a voluntary organization, open to anyone who can use the services it offers and willingly accepts responsibility as a member, regardless of gender, social differences, race, political or religious beliefs.
    2. Democratic control by members
      Cooperatives are democratic organizations, controlled by their own members actively involved in police and decision making. Men and women, who are appointed as representatives have a responsibility towards the members. For basic cooperatives, members have equal voting rights (one member per vote) and cooperatives at other levels are also managed democratically.
    3. Involvement of members in economic activities
      Members contribute equally to the cooperative capital and control it democratically. At least part of the capital is property with co-operative societies. Members often receive limited compensation, if any, on capital contributed as part of the terms of membership. The members provide finance for one or all of the following purposes: developing cooperatives, by providing reserves, where a portion of the reserves cannot be divided, as well as benefiting the members according to their tranxic amount with the co-operative society, and supporting other activities agreed by the members.
    4. Freedom and autonomy
      Cooperatives are autonomous and independent organizations controlled by their members. If they enter into any agreement with other organizations, including with the government, or increase capital from outside sources, they do so on conditions that ensure democratic control is still in the hands of members while still maintaining their autonomy.
    5. Education, training and information
      The Cooperative provides education and training for its members, selected institutions, managers and employees so that they can contribute effectively to the progress of the cooperative. The cooperative conveys information to the public- especially young people and community leaders regarding the issues and benefits of cooperatives.
    6. Cooperation among cooperatives
      Cooperatives help its members more effectively while strengthening the cooperative movement by working together at local, regional, national and international levels.
    7. Concerned about the community
      While focusing on the needs of the co-operative members, they also strive to develop society in a sustainable manner through policies accepted by its members.
    Koperasi BUMIRA Malaysia Berhad
    Koperasi BUMIRA Malaysia Berhad

     

    Popular Personal Loans

    Based on current promotion:

    1. PEMBIAYAAN KHAS (HARI RAYA AIDIL ADHA) Had Maksima : RM 3,500.00 Borang : Borang Pembiayaan Khas Borang Penerimaan Pembiayaan 1 salinan MyKad, Slip Gaji Mei & Jun dan dokumen berkaitan.
    2. SPECIAL FINANCING OF HARI RAYA Had Maksima: RM 3,500.00. 1 copy of MyKad, March & April Salary Slip and related documents.
    3. SPECIAL FINANCING (EDUCATION) Maximum Limit: RM 5,000.00 Refund: 24 Months Form: Special Education Financing Form Financing Acceptance Form (2 copies) 1 copy of MyKad, latest Salary Slip and related documents.
    4. PEMBIAYAAN KHAS CAT KERETA
    5. PEMBIAYAAN KHAS BASIKAL
    6. PEMBIAYAAN KHAS (UMRAH & ZIARAH) Had Maksima : RM 10,000 Bayaran balik: 12-60 Bulan Borang : Borang Pembiayaan Khas, Borang Penerimaan Pembiayaan (2 salinan), Borang Pengakuan Penjamin 1 salinan MyKad, Slip Gaji terkini dan dokumen berkaitan.

    * Pembiayaan Khas dibuka apabila ada iklan.

     #personalloan #koperasi #KoperasiBUMIRA #KoperasiServices 

    Contact Koperasi BUMIRA

    • Tel: +603-2691 2119
    • Fax: +603-2692 1972
    • Koperasi BUMIRA Malaysia Berhad.
      Lot 3.28 & 3.29, Tingkat 2, Medan Mara, Jalan Raja Laut,
      50350 Kuala Lumpur

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  • FELKOP – 12 Personal Financing Options & Member Services

    FELKOP – 12 Personal Financing Options & Member Services

    Koperasi Kakitangan Felda Malaysia Berhad (FELKOP)

    Felkop Koperasi Kakitangan Felda Malaysia Berhad is one of the best cooperatives in Malaysia that provide 12 types of personal financing and other benefited services to its members. Find out more here!

    Felkop Koperasi Kakitangan Felda Malaysia Berhad

    Introduction

    Felkop @ Koperasi Kakitangan Felda Malaysia Berhad provides services in the form of financing to members in accordance with the terms and conditions of the EMPLOYMENT ACT 1955. 

    There are 12 types of personal loan / financing offered by Felkop Koperasi Kakitangan Felda Malaysia Berhad in accordance with the principles of Al Bai’Inah and Bithamin A’jil which are:

    • Pembiayaan peribadi (biasa)
    • Pembiayaan peribadi bertindih
    • Pembiayaan IPT
    • Pembiayaan Raya Aidilfitri
    • Pembiayaan jangka pendek
    • Pembiayaan tanpa penjamin
    • Pembiayaan ekslusif
    • Pembiayaan motorsikal
    • Pembiayaan insurans cukai jalan
    • Pembiayaan komputer
    • Pembiayaan umrah dan pelancongan.

    (for more details, please contact us directly)

    Membership

    The Felkop @ Koperasi Kakitangan Felda Malaysia Berhad is equipped with a membership system whereby cooperative members can check their data with the cooperative through this system the Felkop Koperasi Kakitangan Felda Malaysia Berhad member will be given the password and use the new Identity Card number as login to the system. The following can be done when a member already has access to the system

    • Checking and changing personal data except name and identity card number, important information such as phone number, address and email can also be updated.
    • To update the photo of front and back identity card, as well as the photo of the member.
    • Review member’s statement and review latest financial statement.
    • To review and update nominee’s information to facilitate the affairs upon the death of the member.
    • Make a request to become a member.
    • Applying for financing.
    • Check the list of salary deduction transactions in detail.
    • Check the status and total dividend receipt.
    • Make financing settlement online using FPX.
    • Change password and set security questions.
    • Receive or reject newsletter submissions by cooperatives. The newsletter is an email sent by the cooperative to members with the aim of providing up-to-date information on the co-operative society and its activities. Members can choose whether to continue receiving this newsletter email or otherwise the various facilities to be added from time to time.

     #koperasi #personalloan #Felkop 

    Contact Felkop

    • Tel: 03-2193 2500 / 03-2193 2501
    • admin@felkop.com
    • Koperasi Kakitangan Felda Malaysia Berhad,
      Tingkat 18, Menara Felda, Platinum Park
      No 11 Persiaran KLCC,
      50088 Kuala Lumpur Malaysia

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  • KOPUBI Personal Loan – Empowering Entrepreneurs with Micro Credit Solutions

    KOPUBI Personal Loan – Empowering Entrepreneurs with Micro Credit Solutions

    Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI)

    Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) offers one of the most trusted and accessible personal loan programs in Malaysia, tailored for its cooperative members. With competitive interest rates, micro credit options, and Shariah-compliant schemes like Bai’ al-Inah, KOPUBI is committed to helping you achieve financial stability and growth. Ready to transform your financial future? Join KOPUBI and explore your loan options today – click here for more info!

    Personal Loan KOPUBI Koperasi Usahawan Bersatu Ipoh Perak Bhd

    Introduction

    Let’s Join Koperasi Usahawan with almost 1,000+ Members from all over Perak!

    Koperasi Usahawan Bersatu Ipoh Perak Bhd or KOPUBI Perak was inspired by the Chairman of Persatuan Usahawan Bersatu Ipoh Perak, En. Sharul Baha Abd Rahman since the establishment of this association on 15th April 2016.

    Persatuan Usahawan Bersatu Ipoh Perak through its Committee Members has reached a decision where a Cooperative Sponsor Committee is established in the name of Koperasi PUBI Perak Bhd where the Sponsor Committee Members consist of the Association Chairman, Secretary General and Treasurer General and on 6th August 2017, the application official to establish a cooperative has been made through the Malaysian Cooperative Commission.

    The application was well received by the Perak State Commission where the Sponsoring Committee was invited to the SKM Office for further action. As a result of the meeting, it was decided that the official name for this cooperative for SKM’s approval is Koperasi Usahawan Bersatu Ipoh Perak Bhd and the Sponsoring Committee was asked to hold a General Meeting on the Establishment of the Cooperative in the near future to enable the establishment process to be carried out in accordance with existing provisions.

    Now KOPUBI has started moving and is targeting 1,000 members to join this cooperative in 2018. The entry fee is RM150.00 and 1 unit of cooperative shares is sold at RM150.00 only. Maximum shares are limited to 25 units per member. The three main activities that will be carried out are micro credit loans to members, business in the field of marketing and investment in the field of real estate.

    Popular Personal Loans

    Micro Credit

    The cooperatives can help members who need financial assistance, especially in an effort to strengthen their businesses or need additional capital. Members who want to start a business can also benefit from the activities of this cooperative.

    In the early stages of the establishment of this cooperative, the Board Members have approved an allocation to provide loans between RM1,000 to RM5,000 to members and the amount of this loan is expected to increase as the cooperative’s financial performance strengthens and has a larger capital.

    The Board members also aim to increase the loan to RM250,000 when the financial performance reaches a truly convincing level and the cooperative records a multiplied profit.

    KOPUBI Bai’ Al-Inah

    i-Mikro Bai’ Al-Inah is good news for all Perak residents, as one of the viable Entrepreneur Cooperatives in Ipoh City is pleased to inform that the i-Mikro Bai ’Al-Inah is now open to all.

    We understand the needs of Koperasi members who may need additional working capital to develop their business or may sometimes need additional money for emergency purposes and so on.

    KOPUBI provides easy personal loan financing without proof of income up to RM5,000 and the approval of i-Mikro Bai ‘Al-Inah personal financing is subject to the application conditions below and is subject to the APPROVAL of the Board of KOPUBI Perak Bhd.

    Applicants 

    THE APPLICATION CONDITIONS ARE AS FOLLOWS:

    1. Open to Malaysian citizens aged 18 years and above who have been a member of this Cooperative for not less than six months
    2. Has paid a Share Capital of at least RM 150.00 together with an entry fee of RM150.00
    3. Affordable means the deduction of monthly installment repayment does not exceed 60% of monthly income
    4. The maximum financing limit is subject to 10x the share value and the maximum amount of this financing is limited to RM5,000 only
    5. Have a Guarantor who consists of members of the Cooperative
    6. Complete the application through the iKoop system and provide the necessary information and documents

    Note: The Cooperative reserves the right to reject any application without notifying the applicant in advance.

    Guarantor

    The guarantor:

    1. Has been a member for not less than six months.
    2. Guarantors are not allowed to guarantee more than 3 members at a time.
    3. Board Members are not allowed to guarantee during their tenure as Board Members.
    4. The guarantor is not from among the family members of the member who borrowed and is not a spouse to the member.
    5. The guarantor only acts as the debt collector of the loan and does NOT act as the debt payer (if the borrower fails to pay the due loan payments).
    6. In order to safeguard the interests of the members of the Cooperative and the ability of positive capital control, the cooperative has set a financing condition of RM2,000 and above requires a guarantor from among the members of KOPUBI Perak Bhd.

     #koperasi #personalloan #KOPUBI 

    Contact KOPUBI

    • WhatsApp: 011-6568 3924
    • Tel: 05-322 7297
    • 57B, Susunan Stesen 18, Station 18,
      31650 Ipoh, Perak
    • Opening Hours: Monday to Friday 9.00am-5.30pm

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  • Personal Loan Koperasi Kospeta Malaysia Berhad: Apply Now!

    Personal Loan Koperasi Kospeta Malaysia Berhad: Apply Now!

    Koperasi Kospeta Malaysia Berhad

    Looking for popular personal loan? Koperasi Kospeta Malaysia Berhad has it all. Apply for overlap or fresh loan and enjoy very low interest rate. Contact us now for more details about other koperasi loan or banks loan available. We will serve you the best.

    Koperasi Kospeta Malaysia Berhad

    Summary

    • Koperasi Name: Koperasi Kospeta Malaysia Berhad
    • Abbreviation / Code Name: KOSPETA 
    • Koperasi Promotion Name: General Info about Personal Loan Koperasi Kospeta Malaysia Berhad Pinjaman Peribadi
    • Personal Loan Promotion Period: ~ call for confirmation ~
    • Open to: Government
    • Max Loan Amount: RM150k

    About Us

    KOPERASI KOSPETA MALAYSIA BERHAD The cooperative, which is made up of Local Authority (PBT) Employees, IWK, Alam Flora, Southern Waste Management (SWM) and e-Idaman, has once again been promoted to the 100 BEST COOPERATIVE INDEX.

    Where KOSPETA has been at its best ranked 21st out of more than 14,000 cooperatives in Malaysia and 14th in the Federal Territory.

    Hopefully Koperasi KOSPETA Malaysia Berhad will continue to excel in providing the best service to its members.

    Personal Loans

    Secured Loans (4201)

    MEMBER BENEFITS

    Financing Facility: KOSPETA members who are registered and meet the funding conditions that have been set, are invited to apply for funding from various financing plans provided specifically to ease the burden of members.

    The financing offered is real estate financing, investments, cars, studies, emergencies and more.

    Secured Loans (4201)

    The financing amount of RM 80,000.00 under this scheme is limited to 30 months of the applicant’s salary mixed with the total capital fees paid and DEDUCTED all member liabilities to the cooperative excluding the secured financing scheme.

    Members are eligible to make this application subject to the following conditions:-

    • Has no debt balance of 90% financing scheme or instant financing scheme.
    • Requires at least 4 guarantors consisting of qualified members (the total guarantee liability by the guarantors is either associated or separate covering the entire amount of the financing)
      the repayment period of the financing is not more than 120 months.
    • Service charge is 5.2% per annum.
    • Financing repayment for the purpose of making a new financing application can be done provided a service fee of RM10.00 is charged.
    • Original and current salary statement.
    • Contract workers submit the latest contract letter.
    • Members are not eligible to apply for new funding until the previous funding has been fully settled.

    With 90% Financing (4202)

    This financing scheme is eligible to be considered for members subject to the following conditions:-
    The amount of funding shall not exceed 90% of the total capital of the membership fee
    Members have no secured financing balance or instant financing
    Does not require guarantor or collateral
    The repayment period of the financing is not more than 60 months
    Original and current salary statement
    Contract workers submit the latest contract letter
    The service fee is 5% per annum.

    TPTP (4201TP)

    This financing scheme aims to help members in financial need without burdening other guarantors.

    1. Has a minimum share amount of RM3,000.00.
    2. Payment period up to 120 months.
    3. No guarantor and qualified to Permanent status member.
    4. Confirmation from the Employer and 2 witnesses.
    5. The TPTP charge is 3% of the financing amount.
    6. Latest original salary statement.
    7. Eligible to take Emergency financing of RM2,000.00 only.
    8. Not eligible to apply for other TPTP funding.
    9. Original and current salary statement.
    10. Contract workers submit the latest contract letter.

    Secured Loan

    • 5.20% /p.a
    • Max financing RM80,000
    • 30 months payment
    • Open to permanent and contract staff

    90% Financing

    • 5.00% /p.a
    • Low interest rate only 5.00%
    • Installment up to 60 months

    Overlap Loan

    • 90% Financing
    • Must settle 50% existing loan
    • Popular choice

    Overlapping

    This financing scheme aims to help members who are in need of finance even if the previous financing has not been settled in full.

    1. Maximum funding eligibility can be given on a single member application or made in stages.
    2. If the financing is made in stages then the maximum eligibility is determined based on the first application.
    3. Financing can be made to a Guaranteed Financing scheme or 90% Financing on share capital.
    4. Previous financing has been settled in excess of 50% with payments made through salary deductions.
    5. Original and current salary statement.
    6. Contract workers submit the latest contract letter.

     #koperasi #KOSPETA #personalloan 

    Contact Koperasi Kospeta

    • Tel: 03-61366097 / 03-61360564
    • kop.peta@streamyx.com / kospeta@tm.net.my
    • Fax: 03-61384463
    • Koperasi KOSPETA MALAYSIA BERHAD
      no. 10 & 12 Tingkat 1
      Jalan 6/3A KM12
      Jalan Ipoh, Pusat Bandar Utara
      68100 Kuala Lumpur

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  • Koperasi Kumpulan Johor Corporation Berhad KOPJCORP: Apply Fast Personal Loan

    Koperasi Kumpulan Johor Corporation Berhad KOPJCORP: Apply Fast Personal Loan

    Koperasi Kumpulan Johor Corporation Berhad (KOPJCORP)

    Koperasi Kumpulan Johor Corporation Berhad KOPJCORP offering Tawarruq financing up to RM200k. Get the info about about this cooperative here.

    Koperasi Kumpulan Johor Corporation Berhad KOPJCORP

    Summary

    • Koperasi Name: Koperasi Kumpulan Johor Corporation Berhad 
    • Abbreviation / Code Name: KOPJCORP
    • Koperasi Promotion Name: General Info about Koperasi Kumpulan Johor Corporation Berhad KOPJCORP Personal Loan

    About

    Koperasi Kumpulan Johor Corporation Berhad (KOPJCORP) was established on 14 October 1978 where the members of KOPJCORP consisted of employees in the Johor Corporation group.

    Koperasi Kumpulan Johor Corporation Berhad KOPJCORP which is a credit cooperative was reactivated on 1 October 2013 where membership was extended to employees of companies in the group with the objective of improving the socio-economy and providing various benefits to the members of the cooperative. KOPJCORP has also been involved in various business activities such as personal loans, oil pumps, supermarkets and others.

    Membership Fee

    1. Koperasi Kumpulan Johor Corporation Berhad KOPJCORP membership is open to all employees working in Johor Corporation and its subsidiaries of Johor Corporation.
    2. Send the Member-i application form together with the following payment:-
      • Entrance Fee RM10
      • Share Capital RM100
      • Monthly Fee (Contribution) RM30 (minimum)
      • Cash Payment Method
      • Salary cut

    Requirements

    According to Sections 26 and 27 of the Act, a person who wishes to be a member of this Cooperative must:

    1. Malaysian citizen
    2. Has reached the age of eighteen years
    3. Reside or work or have land in the area of ​​operation of this Cooperative; and
    4. Not a person against whom is still in force a conviction for a registrable offense, or not mental incapacity, or bankruptcy who has not been discharged, or has been removed from any membership-
      which cooperative within one year.

    For your information, the contribution made cannot be withdrawn unless you resign/resign as a member subject to the By-Laws of Koperasi Kumpulan Johor Corporation Berhad.

    Personal Loan Packages

    Personal Financing-i

    Personal Financing-i (Tawarruq) from Koperasi Kumpulan Johor Corporation Berhad KOPJCORPaims to provide facilities for cooperative members from the Johor Corporation group to obtain financing for personal use where the financing limit is starting from RM2,000.00 up to RM200,000.00.

    Among the interesting things offered through this financing are:

    Jumlah ditawarkanMinima     : RM2,000 hingga;
    Maksima  : RM200,000
    Kadar keuntungan5.5% bagi tempoh bayaran 1 hingga 3 tahun
    6.0% bagi tempoh bayaran 4 hingga 10 tahun
    Tempoh bayaran balik1 hingga 10 tahun (bagi anggota pekerja yang berjawatan tetap)
    Mengikut tempoh baki kontrak (bagi anggota pekerja yang berjawatan kontrak)
    Cara bayaran balikMelalui potongan gaji
    Fi prosesRM50     : Bagi pembiayaan RM1,000 hingga RM9,000
    RM100   : Bagi pembiayaan RM10,000 hingga RM200,000
    Penjamin1 penjamin diperlukan bagi setiap permohonan
    Perlindungan TakafulPembiayaan yang diluluskan akan dilindungi takaful sekiranya berlaku kes kematian atau kecacatan kekal kepada pemohon
    KelulusanKelulusan adalah tertakluk kepada AJK Pembiayaan

    Pembiayaan ini boleh diberikan kepada anggota Koperasi tertakluk kepada syarat-syarat  berikut:

    • Telah menjadi anggota Koperasi sekurang-kurangnya 6 bulan
    • Telah membayar Modal Syer sebanyak RM100.00
    • Telah mencarum dalam Modal Yuran sekurang-kurangnya enam (6) bulan iaitu [RM30.00 (minima) x 6 bulan] yang berjumlah RM180.00
    • Telah berkhidmat dalam Johor Corporation atau syarikat dalam kumpulan sekurang-kurangnya satu tahun
    • Berkemampuan, iaitu potongan dalam penyata gaji tidak melebihi enam puluh peratus daripada jumlah pendapatan dan mengikut kelayakan Credit Rating
    • Baki gaji setelah ditolak bayaran balik pembiayaan perlulah tidak kurang dari RM1,000.00
    • Tiada tunggakan pada laporan kredit; kelulusan boleh dipertimbangkan oleh pihak pengurusan sekiranya mempunyai tunggakan

     

    *source : kopjcorp.com.my

     #koperasi #KOPJCORP 

    Contact KOPJCORP

    • Tel: 07-364 4922 / 07-364 4922 (Daftar Anggota)
    • kopjcorp@jcorp.com.my
    • Koperasi Kumpulan Johor Corporation Berhad KOPJCORP
      Level 18, Menara Komtar, Centre, Johor,
      80000 Johor Bahru, Johor
    • Opening Hours: Daily 8.00am-5.15pm Friday and Saturday Closed

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