Tag: KUTMB

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    Pinjaman Peribadi Koperasi UTM Berhad (KUTMB)

    Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) menawarkan pinjaman peribadi Al-Qard dan Al-Bainah kepada anggota dengan maksimum RM150,000. Mohon pinjaman anda sekarang!

    Maklumat Pinjaman

    Pinjaman peribadi daripada Koperasi Ukhwah Malaysia Berhad menyediakan kemudahan pembiayaan yang mudah untuk kakitangan kerajaan, badan berkanun, agensi kerajaan, dan syarikat berkaitan kerajaan (GLC) yang layak. Pinjaman ini direka untuk memberi sokongan kewangan kepada mereka yang memerlukan pembiayaan dengan syarat yang fleksibel dan mesra.

    Syarat Kelayakan

    Untuk memohon pinjaman peribadi Koperasi Ukhwah Malaysia Berhad, pemohon perlu memenuhi syarat-syarat kelayakan yang telah ditetapkan:

    • Kakitangan kerajaan, badan berkanun, agensi kerajaan, dan syarikat berkaitan kerajaan (GLC) yang terpilih sahaja.
    • Pemohon mestilah berumur 19 hingga 56 tahun.
    • Pemohon mestilah berjawatan tetap, dengan sekurang-kurangnya 6 bulan berkhidmat.
    • Potongan gaji (termasuk pembiayaan baru) mestilah tidak melebihi 60% daripada jumlah pendapatan bulanan.
    • Pendapatan minimum sebanyak RM1500 atau lebih untuk layak memohon.
    • Tempoh bayaran balik pinjaman adalah antara 24 bulan hingga 120 bulan.
    • Pembiayaan bertindih (overlap) dan penyelesaian akaun disenarai hitam (blacklist) dibenarkan.

    Dokumen Sokongan yang Diperlukan

    Berikut adalah dokumen yang perlu disediakan oleh pemohon untuk melengkapkan permohonan pinjaman peribadi Koperasi Ukhwah Malaysia Berhad:

    • Kad Pengenalan (3 salinan)
    • Salinan slip gaji 3 bulan terkini (3 salinan bagi setiap bulan)
    • Penyata penyelesaian terkini untuk menyelesaikan pinjaman lama (overlap)
    • Surat Pengesahan Jawatan
    • Salinan Penyata atau Buku Akaun Simpanan Maybank (1 salinan)
    • Surat opsyen bersara (untuk pemohon yang berumur 50 tahun ke atas)
    • “Allotment Form” untuk pemohon dari Sabah dan Sarawak (5 salinan)
    • Surat Emolumen dari kakitangan Dewan Bandaraya Kuala Lumpur (DBKL) (1 salinan)
      (Setiap salinan perlu disahkan oleh majikan)

    Hubungi Koperasi Ukhwah Malaysia Berhad

    Untuk sebarang pertanyaan lanjut atau untuk memohon pinjaman peribadi Koperasi Ukhwah Malaysia Berhad, sila hubungi pihak koperasi menggunakan maklumat berikut:

    Alamat:
    Koperasi Ukhwah Malaysia Berhad
    8, Lorong Medan Tuanku 1, Medan Tuanku
    50300 Kuala Lumpur

    Telefon:
    +603-26945922 / +603-26943922






    Pinjaman Peribadi Koperasi UTM Berhad KUTMB

    Koperasi UTM Berhad (KUTMB): Ringkasan

    • Tajuk Artikel: Koperasi UTM Berhad (KUTMB)
    • Kategori: #Koperasi #KUTMB #PinjamanPeribadi 
    • Tujuan: #Promosi 

    Promosi Pinjaman Peribadi Koperasi

    Dapatkan promosi pinjaman peribadi koperasi kami sekarang dengan proses permohonan yang mudah, pilihan bayaran fleksibel, dan kelulusan pantas, ia adalah pilihan terbaik untuk keperluan kewangan anda. Klik di bawah untuk maklumat lanjut dan pilih pinjaman yang sesuai dengan anda!


    Pembiayaan Koperasi

    Web Directories

    Explore a wide range of information and resources tailored to your interests. Whether you’re looking for travel inspiration, financial tips, hobby ideas, product reviews, or more, our carefully selected links have something for everyone. Click the links above to start your journey toward discovering new experiences and expanding your horizons. Your next adventure is just a click away!

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    2. https://personalfinancingloan.com: “Personal Financing Loan: Your Path to Financial Freedom”
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    5. https://rumahmampumilik.com: “Rumah Mampu Milik: Your Affordable Homeownership Journey Begins Here”
    6. https://malaysiadigit.com: “MalaysiaDigit: Your Digital Destination for News and Insights”
    7. https://vipmalaysia.com: “VIP Malaysia: Elevate Your Experience in Malaysia”
    8. https://nordiyana.com: “Indulge in Elegance at Nordiyana: Latest Recipe and Culinary Inspirations”
    9. https://e-penyatagaji.com: “E-Penyata Gaji: Simplifying Payroll Management for You”
    10. https://googleasia.org: “Google Asia: Explore the World and Asia’s Wonders with Google Asia”
    11. https://malaysiafit.com: “Malaysia Fit: Your Partner in Health and Wellness”
    12. https://koperasi.info: “Koperasi: Building Communities, Empowering Lives”
    13. https://recipeinside.com: “RecipeInside: Unveiling Culinary Creations, Your Guide to Delicious Dishes”
    14. https://asiahealthcenter.com: “Asia Health Center: Your Source for Holistic Wellness Solutions”
    15. https://nationalhealthcenters.com: “National Health Centers: Your Source for Vital Health Information and Community Care”
    16. https://malaysiabit.com: “MalaysiaBit: Stay Informed, Stay Connected”
    17. https://epenyatagaji.com: “E-Penyata Gaji: Your Digital Payslip Solution”
    18. https://koperasi.work: “Koperasi Work: Collaborate, Innovate, Succeed”
    19. https://koperasi.business: “Koperasi Business: Driving Entrepreneurship, Fostering Growth

    *Source: kutmb.my official website

  • Koperasi Universiti Teknologi Malaysia Berhad (KUTMB): Pembiayaan Sehingga RM150,000

    Koperasi Universiti Teknologi Malaysia Berhad (KUTMB): Pembiayaan Sehingga RM150,000

    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!

    Koperasi Universiti Teknologi Malaysia Berhad 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

    LOKASI KAMI:

    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

    1. Warganegara Malaysia dan bukan warganegara berusia 18 tahun ke atas dan bermastautin tetap
    2. 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

    Popular 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

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
    3. Members can no longer apply if they still have the balance (welfare financing).
    4. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from KUTMB office.
    2. 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.
    3. 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

    1. The applicant must be a member of KUTMB.
    2. The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
    3. The total share capital must be RM1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from KUTMB office.
    2. 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.
    3. 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

    1. The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
    2. Permanent post and confirmed position
    3. The number of member salary deductions does not exceed 60% and the Debt Service Ratio (DSR) does not exceed 50%

    APPLICATION PROCEDURE

    1. Complete the application form available at KUTMB office.
    2. 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

     #koperasi #KoperasiServices #KUTMB 

    Hubungi KUTMB

    • Tel: 07-5563521 / 07-5574922 / 07-5585719 / 07-5543180
    • Fax: 07-556 9244
    • Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)
      No. 16 A, Jalan Besi 2
      Taman Sri Putri
      81300 Skudai
      Johor

    Topik Terhangat & Trending

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    Personal Loan Koperasi UTM Berhad KUTMB

    Koperasi UTM Berhad KUTMB is providing personal loan Al Qard, Express Loan, Al Tawarruq financing to all its member. Get the comprehensive info and how to apply the best financing. All here!


    Pinjaman Peribadi Koperasi UTM Berhad KUTMB

    Personal Loan Koperasi UTM Berhad KUTMB Summary

    • Koperasi Name: Koperasi UTM Berhad 
    • Abbreviation / Code Name: KUTMB
    • Koperasi Promotion Name: General Info about Personal Loan Koperasi UTM Berhad KUTMB

    • What types of personal loan offered from Koperasi UTM Berhad KUTMB?

      You can apply Personal Loan Koperasi UTM Berhad KUTMB such as Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. You can also download loan application form from here.


    About Personal Loan Koperasi UTM Berhad KUTMB

    Apply personal loan Koperasi UTM Berhad KUTMB like Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. Download loan form here

    Mission

    To inculcate a spirit of cooperation, loyalty and responsibility among the members so as to be productive, cheerful and caring about universal life.

    Motto

    Teguh Cooperative, Prosperous Member

    Philosophy

    To purify the cooperative movement to increase the benefits to members and society based on co-operative values in accordance with Allah s.w.t’s pleasure

    All

    To make Koperasi UTM Bhd a reference co-operative.

    THE LENS

    • Increase the type and number of sales of goods and services required by members, campus residents and the general public.
    • Increase financial returns in the form of dividends, bonuses, rebates and discounts at satisfactory rates to members.
    • To increase the benefits of free khairat/insurance welfare coverage to members and their families.
    • To enhance property development and business projects to stimulate economic activities for cooperatives and the country.
    • Transferring most of the university’s responsibility to preserve and enhance the well-being and harmony of the family staff.


    Welfare & Personal Financing Koperasi UTM Berhad KUTMB

    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. Thank you.

    Al Loan Qard Koperasi UTM Berhad KUTMB

    LOAN CONCEPT

    A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad KUTMB 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

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
    3. Members can no longer apply if they still have the balance (welfare financing).
    4. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad – KUTMB office.
    2. 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.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad – KUTMB office.

    Express Loan Jomduit

    FINANCING CONCEPT

    Express Loan is a personal loan issued by Koperasi UTM Berhad –  KUTMB 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

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
    3. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad KUTMB office.
    2. 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.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad KUTMB office.

    Al Tawarruq Financing

    FINANCING CONCEPT

    Tawarruq financing is a financing issued by Koperasi UTM Berhad 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 to be determined by Koperasi UTM Berhad).

    The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years

    TERMS AND CONDITIONS

    1. The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
    2. Permanent post and confirmed position
    3. The number of member salary deductions does not exceed 60% and the Debit Service Ratio (DSR) does not exceed 50%

    APPLICATION PROCEDURE

    1. Complete the application form available at Koperasi UTM Berhad KUTMB office.
    2. 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.

    https://kutmb.my

    Hashtag / Keywords

     #koperasi #personalloan #KUTMB 

    Contact Koperasi UTM Berhad KUTMB


    • Tel: 07-556 3521 / 07-557 4922 / 07-558 5719/ 07-554 3180

    • kutmb@utm.my

    • Fax: 07 – 556 9244

    • 16, Jalan Besi 2,
      Taman Sri Putri,
      81300 Skudai, Johor
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    Personal Loan Koperasi UTM Berhad KUTMB


    Koperasi Universiti Teknologi Malaysia Berhad KUTMB

    About Koperasi UTM Berhad KUTMB

    Mission

    To inculcate a spirit of cooperation, loyalty and responsibility among the members so as to be productive, cheerful and caring about universal life.

    Motto

    Teguh Cooperative, Prosperous Member

    Philosophy

    To purify the cooperative movement to increase the benefits to members and society based on co-operative values in accordance with Allah s.w.t’s pleasure

    All

    To make Koperasi UTM Bhd a reference co-operative.

    THE LENS

    • Increase the type and number of sales of goods and services required by members, campus residents and the general public.
    • Increase financial returns in the form of dividends, bonuses, rebates and discounts at satisfactory rates to members.
    • To increase the benefits of free khairat/insurance welfare coverage to members and their families.
    • To enhance property development and business projects to stimulate economic activities for cooperatives and the country.
    • Transferring most of the university’s responsibility to preserve and enhance the well-being and harmony of the family staff.

    • What types of personal loan offered from Koperasi UTM Berhad KUTMB?

      You can apply Personal Loan Koperasi UTM Berhad KUTMB such as Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. You can also download loan application form from here.


    Welfare & Personal Financing


    Koperasi UTM Berhad KUTMB

    WELFARE & PERSONAL FINANCING Financial assistance is provided to co-operatives through al-Qard and At-Tawarruq loan methods


    Al Loan Qard

    LOAN CONCEPT

    A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad KUTMB 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

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
    3. Members can no longer apply if they still have the balance (welfare financing).
    4. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad – KUTMB office.
    2. 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.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad – KUTMB office.


    Express Loan Jomduit

    FINANCING CONCEPT

    Express Loan is a personal loan issued by Koperasi UTM Berhad –  KUTMB 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

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
    3. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad (KUTMB) office.
    2. 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.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad  (KUTMB) office.

    Al Tawarruq Financing

    FINANCING CONCEPT

    Tawarruq financing is a financing issued by Koperasi UTM Berhad (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 to be determined by Koperasi UTM Berhad).

    The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years

    TERMS AND CONDITIONS

    1. The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
    2. Permanent post and confirmed position
    3. The number of member salary deductions does not exceed 60% and the Debit Service Ratio (DSR) does not exceed 50%

    APPLICATION PROCEDURE

    1. Complete the application form available at Koperasi UTM Berhad (KUTMB) office.
    2. 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.

    https://kutmb.my

    Hashtag / Keywords

     #koperasi #personalloan #KUTMB 

    Personal Loan Koperasi UTM Berhad KUTMB Reviews

    Customer Reviews about Koperasi UTM Berhad KUTMB

    Apply personal loan Koperasi UTM Berhad KUTMB like Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. Download loan form here

    Mohd Azwan

    delete: Direktori Bank & Koperasi di Malaysia

    Contact Koperasi UTM Berhad KUTMB


    • Tel: 07 – 558 5719

    • Fax: 07 – 557 8549

    • Koperasi UTM Berhad
      No. 14, Jalan Besi 2, Taman Sri Putri,
      81300 Skudai, Johor

    • Opening Hours Sunday – Monday (8.00 AM – 5.00 PM)
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