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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