Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)
Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) menawarkan pembiayaan peribadi patuh Syariah seperti Al-Qard, Al-Bainah, express loan dan Al-Tawarruq sehingga RM150,000 kepada anggota yang layak. Sesuai untuk keperluan pendidikan, perniagaan atau peribadi—KUTMB menyediakan pilihan pembiayaan fleksibel dan beretika untuk masa depan anda.
Dapatkan maklumat lengkap dan mohon pembiayaan terbaik anda hari ini—bersama KUTMB!
Pengenalan
Koperasi Universiti Teknologi Malaysia Berhad adalah sebuah koperasi berdaftar di Malaysia dengan objektif seperti berikut:-
- Meningkatkan jenis dan jumlah jualan barang dan perkhidmatan yang diperlukan oleh anggota, warga kampus dan masyarakat umum.
- Meningkatkan pulangan kewangan dalam bentuk dividen, bonus, rebet dan diskaun dengan kadar yang memuaskan kepada anggota.
- Meningkatkan faedah perlindungan kebajikan khairat/insuran secara percuma kepada anggota dan keluarga anggota.
- Meningkatkan projek-projek pembangunan hartanah dan perniagaan bagi merangsang aktiviti ekonomi kepada koperasi dan negara.
- Memindahkan sebahagian besar tanggungjawab universiti bagi memelihara dan meningkatkan kesejahteraan serta keharmonian staf keluarga.
- Kini anda tidak perlu risau bagaimana nak dapatkan kenderaan untuk disewa.
- Koop Trading menyediakan pelbagai jenis kenderaan untuk disewa pada harga yang rendah dan berbaloi!
Perniagaan
Koop Elektromart
PERKHIDMATAN DISEDIAKAN
- Membekal dan menjual barangan elektrik khususnya kepada anggota Koperasi UTM Berhad. Anggota boleh membuat pembelian secara tunai atau ansuran.
- Antara barangan elektrik yang dijual di koop elektromart ialah televisyen, penghawa dingin, mesin basuh, peti sejuk, dan lain-lain.
- Bekalan dan barangan elektrik dijamin berkualiti dan mengikut piawaian yang telah di tetapkan.
JENIS PERNIAGAAN
A) TRADING
- Menawarkan perkhidmatan dan barangan pengguna kepada anggota koperasi dan pembayaran boleh dibuat secara ansuran.
- Melantik panel perniagaan di sekitar Johor Bahru bagi memenuhi keperluan dan permintaan anggota Koperasi UTM Berhad.
- Panel perniagaan yang dilantik adalah terdiri daripada beberapa jenis perniagaan
B) INSURANS
- Menjadi agen insurans daripada syarikat Insuran Takaful Malaysia Berhad, Takaful Ikhlas Berhad dan Etiqa Insuran dan Takaful Sdn. Bhd.
- Menyediakan perkhidmatan perlindungan insuran dan takaful kepada anggota koperasi UTM Berhad.
- Antara perlindungan insuran yang ditawarkan kepada anggota adalah perlindungan kewangan, bangunan, nyawa, kenderaan dan pembiayaan trading.
WAKTU OPERASI
Ahad – Isnin (8.00 Pagi – 5.00 Petang)
HUBUNGI KOOP ELEKTROMART
LOKASI KAMI
No. 14, Jalan Besi 2
Taman Sri Putri
81300 Skudai
Johor
TEL: 07 – 558 5719
FAX: 07 – 557 8549
EMAIL: elektromart@kutmb.my
Minimart Kuala Lumpur
Tujuan utama Minimart KUTMB ini dibuka adalah bagi memenuhi keperluan pelajar dan juga staf seperti makanan dan minuman ringan, akhbar dan majalah, alatulis, kad tambah nilai prabayar dan pelbagai barangan.
Di samping itu, minimart ini juga menawarkan perkhidmatan Fotocopy, binding dan juga printing dengan harga yang berpatutan.Operasi minimart kini dibuka pada hari Sabtu dan Ahad bagi memudahkan pelajar separuh masa (UTM SPACE) untuk mendapatkan keperluan mereka dan juga menggunakan perkhidmatan yang disediakan.
Bagi staf UTM yang menjadi anggota Koperasi, terdapat pelbagai perkhidmatan yang disediakan.
PERKHIDMATAN YANG DISEDIAKAN
- Memperbaharui Cukai Jalan dan Insuran (Takaful)
- Pembiayaan Peribadi & Pinjaman
- Pembelian barangan Elektrik dan Elektronik
Waktu Operasi
Isnin – Jumaat (8.00 Pagi – 4.30 Petang)
Sabtu (11.00 Pagi – 4.00 Petang)
Ahad (8.00 Pagi – 1.00 Petang)
HUBUNGI
Minimart Kuala Lumpur
Univeristi Teknologi Malaysia
Jalan Sultan Yahya Petra
54100 Kuala Lumpur.
TEL: 03 – 2615 4239
FAX: 03 – 2692 4830
Ar-Rahnu
KONSEP
- Al-Qardhul Hassan (Pinjaman Kebajikan)
- Al-Wadiah Yad Dhamanah (Simpanan dengan jaminan keatas barang gadaian)
- Al-Ujrah (Upah)
KEISTIMEWAAN
- Pajak gadai bebas daripada unsur riba’
- Barang kemas disimpan dengan selamat dan diinsurankan (Takaful)
- Semua urusan dibuat dihadapan pelanggan di bilik khas
- Margin gadaian yang tinggi.
- Tiada yuran proses
SYARAT-SYARAT GADAIAN
- Warganegara Malaysia dan bukan warganegara berusia 18 tahun ke atas dan bermastautin tetap
- Bayaran balik boleh dibuat sekaligus atau ansuran.
HAD GADAIAN
- Ar-Rahnu maksimum RM10,000.00 sehari sehingga jumlah terkumpul maksimum RM50,000.00
- Az-Zahab minimum RM10,001.00 sehari sehingga jumlah terkumpul maksimum RM100,000.00
TEMPOH GADAIAN
- Ar-Rahnu maksimum 6 bulan dengan tempoh lanjutan (boleh dirunding).
- Az-Zahab maksimum 3 tahun jika bayaran sekaligus atau ansuran.
WAKTU OPERASI
Ahad – Khamis (9.00 Pagi – 5.00 Petang)
HUBUNGI
Ar-Rahnu X’Change
Koperasi UTM Berhad
No. 26, Jalan Meranti 2
Taman Sri Pulai
81110 Johor Bahru
Johor
TEL: 07-520 2909
FAX: 07-520 2941
EMAIL: haslinda@kutmb.my
Personal Loans
Welfare & Personal Financing
WELFARE & PERSONAL FINANCING Financial assistance is provided to co-operatives through al-Qard and At-Tawarruq loan methods. Check your personal loan eligibility here. Send your latest payslip to the WhatsApp Hotline below and we will get back to you as soon as possible.
Al Loan Qard
LOAN CONCEPT
A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad with the aim of providing financial assistance to members in an emergency or reasonable matters that may be considered. The scheme is implemented in accordance with the “Qardhrul Hassan” method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.
The maximum loan approved is RM2,000.00 (according to eligibility) for which repayment is made via salary deduction of RM181.82 per month and the maximum period is 11 months. This welfare loan only charges RM70.00 to successful applicants. Payment of process money by cash or deducted from the loan.
TERMS AND CONDITIONS
- The applicant must be a member of Koperasi UTM Berhad (KUTMB).
- The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
- Members can no longer apply if they still have the balance (welfare financing).
- The total share capital must be rm1000.00.
APPLICATION PROCEDURE
- Obtain the loan application form from KUTMB office.
- Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
- Submit the application form and related documents to the nearest KUTMB office.
Express Loan
FINANCING CONCEPT
Express Loan is a personal loan with the aim of providing financial assistance to members who are in emergency or reasonable matters that may be considered.
The maximum loan approved is RM1,000.00 whereby repayment is made via salary deduction of RM107.00 per month and the maximum tenure is 10 months.
The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.
This welfare loan only charges RM70.00 to successful applicants.
TERMS AND CONDITIONS
- The applicant must be a member of KUTMB.
- The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
- The total share capital must be RM1000.00.
APPLICATION PROCEDURE
- Obtain the loan application form from KUTMB office.
- Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
- Submit the application form and related documents to the nearest KUTMB office.
Al Tawarruq Financing
FINANCING CONCEPT
Tawarruq financing is a financing issued by KUTMB to qualified members. Minimum allowable amount RM3,000.00 up to maximum amount of RM 150,000.00. The Profit Rate charged is 6.2% per annum (subject to change).
The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years
TERMS AND CONDITIONS
- The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
- Permanent post and confirmed position
- The number of member salary deductions does not exceed 60% and the Debt Service Ratio (DSR) does not exceed 50%
APPLICATION PROCEDURE
- Complete the application form available at KUTMB office.
- You need to submit the following documents for the financing application:
(a) Copy of applicant and guarantor’s identity card* if available (front and back)
(b) Latest salary slip of applicant and guarantor* if any
(c) Other supporting documents* if required
KUTMB (Koperasi UTM Berhad) will contact the borrower upon review by the Financing Unit for further action.
* sumber: kutmb.my
Hubungi Kami
- Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)
No. 16 A, Jalan Besi 2
Taman Sri Putri
81300 Skudai
Johor - Tel: 07-5563521 / 07-5574922 / 07-5585719 / 07-5543180
- Fax: 07-556 9244
