Koperasi Anggota RISDA Malaysia Berhad (KARISMA)

Koperasi Anggota RISDA Malaysia Berhad (KARISMA) stands as a beacon of cooperative spirit, established on January 2, 1997. Registered under subsection 7 (1) of the Cooperatives Act 1993, KARISMA operates as a basic cooperative with limited liability, dedicated to serving its members and uplifting agricultural communities across Malaysia. With a focus on sustainability and member welfare, KARISMA continues to shape initiatives to empower the country’s agricultural sector.

KARISMA: Empowering Agricultural Communities

A Cooperative Legacy

Koperasi Anggota RISDA Malaysia Berhad (KARISMA) stands as a beacon of cooperative spirit, established on 02 January 1997. Registered under subsection 7 (1) of the Cooperatives Act 1993, KARISMA operates as a basic cooperative with limited liability, dedicated to serving its members and uplifting agricultural communities across Malaysia.

Serving Members Since Inception

Since its inception, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) has remained steadfast in its commitment to its members. With a primary focus on agricultural development and community welfare, the cooperative has continuously evolved to meet the diverse needs of its members. From providing financial assistance to offering educational and training programs, KARISMA strives to empower its members to thrive in the agricultural sector.

Core Values and Principles

At the heart of KARISMA’s operations lie its core values and cooperative principles. Upholding principles such as member autonomy, democratic control, and social responsibility, KARISMA fosters a culture of transparency, inclusivity, and mutual cooperation among its members. These values guide the cooperative in its mission to create a sustainable and prosperous agricultural community.

Financial Assistance and Support

One of the primary services offered by KARISMA is financial assistance. Through various financing schemes and credit facilities, the cooperative provides its members with access to much-needed capital for agricultural activities, such as crop cultivation, livestock farming, and agribusiness ventures. Additionally, KARISMA offers financial literacy programs to educate members on prudent financial management and investment strategies.

Training and Capacity Building

In addition to financial support, KARISMA is committed to enhancing the skills and capabilities of its members. The cooperative organizes training workshops, seminars, and skill development programs aimed at equipping members with the knowledge and expertise needed to succeed in the agricultural sector. By investing in human capital development, KARISMA empowers members to become skilled and resilient agricultural entrepreneurs.

Community Development Initiatives

Beyond its core membership, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) actively engages in community development initiatives to uplift agricultural communities nationwide. Through partnerships with government agencies, NGOs, and other stakeholders, the cooperative implements various projects focused on infrastructure development, environmental conservation, and social welfare. These initiatives aim to improve the overall quality of life for rural residents and foster sustainable development in agricultural areas.

Looking Towards the Future

As KARISMA continues to grow and expand its reach, the cooperative remains committed to its founding principles of solidarity, self-help, and mutual assistance. By harnessing the collective strength of its members and embracing innovation and technology, KARISMA seeks to lead the way in transforming Malaysia’s agricultural landscape. With a vision of a vibrant and prosperous agricultural sector, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) strives to create a brighter future for farmers and rural communities across the nation.

Catering Services at IKPK Kelantan: Enhancing Community Engagement

Diversification of Services

From 2013 to 2017, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) secured a tender to provide cooked food services for courses, meetings, and other activities at IKPK Kelantan. This accomplishment underscores KARISMA’s capability to excel beyond financial services, extending its support to meet diverse needs within the agricultural community.

Community Beautification Project

Embracing community development, RISDA Malaysia Berhad Member Cooperative, including KARISMA, received an offer to paint and beautify the RISDA building located in Jalan Ampang. This opportunity not only enhances the aesthetics but also symbolizes the cooperative’s commitment to contributing positively to its surroundings.

Commitment to Progress

Looking ahead, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) remains dedicated to fostering economic empowerment and community development among its members. Through innovative initiatives and steadfast commitment, KARISMA strives to be a catalyst for positive change in the Malaysian agricultural landscape.

Karisma Tawarruq-i Personal Loan

Introduction to Koperasi Risda Tawarruq-i

Karisma Tawarruq-i, offered by Koperasi Anggota RISDA Malaysia Berhad (KARISMA), serves as a flexible financial solution tailored to the needs of its members. Formerly known as Bai Al Inah, this financing option ensures swift processing, requiring only five working days for a complete application, with the provision of a guarantor.

Features of Tawarruq-i Personal Loan

1. Name Change to Tawarruq-i: Reflecting Islamic finance principles, the loan mechanism has evolved from Bai Al Inah to Tawarruq-i.
2. Swift Processing: Applicants benefit from a streamlined process, with applications typically processed within five working days.
3. Guarantor Requirement: Each application necessitates the attachment of a guarantor, ensuring accountability and security.

*Subject to terms and conditions.

Emergency Loan

In addition to the Tawarruq-i personal loan, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) offers emergency loans to assist members in critical situations. These loans cater to a range of urgent needs, including:

1. Natural Disaster Relief: Assisting members affected by floods and other natural calamities.
2. Medical Treatment: Providing financial support for essential medical expenses.
3. First-Time Home Purchase: Facilitating homeownership aspirations.
4. First-Time Pilgrimage: Supporting members in fulfilling their religious obligations.
5. Eye Care: Covering expenses related to eye treatments.
6. Vehicle Maintenance: Financing car repairs and road tax renewal.
7. Custom Requirements: Additional needs are considered based on Charisma’s approval.

Guarantor attachment is mandatory for all emergency loan applications.

Subject to terms and conditions.

Consumer Goods Financing

Koperasi Anggota RISDA Malaysia Berhad also offers Consumer Goods Financing to facilitate members’ access to essential items. Key features of this financing option include:

1. Application Procedure: Members are required to complete the financing form during the application process.
2. Quick Processing: Applications are typically processed within three to five working days.
3. Maximum Loan Amount: Members can avail themselves of loans of up to RM 10,000.00.

Guarantor attachment is mandatory for all Consumer Goods Financing applications.

Subject to terms and conditions.

Member Welfare Services

Outstanding Student Contribution

Koperasi Anggota RISDA Malaysia Berhad (KARISMA) extends support to members’ educational endeavors, rewarding academic excellence with contributions for outstanding achievements:

• UPSR: Achieving 5A grades
• PMR: Securing a minimum of 7A grades
• SPM: Attaining a minimum of 6A grades

Hospital Donations

Members facing medical challenges receive financial aid for hospital expenses, including:

• Ward Admission: RM 20 per night for up to 5 nights
• Surgery: RM 100 contribution

Fardhu Hajj Contribution

KARISMA facilitates members’ religious obligations by offering contributions for Hajj pilgrimage once they are financially stable.

Retirement Contribution

Acknowledging members’ lifelong dedication, KARISMA provides a one-time retirement contribution to support their transition.

Member’s Death Contribution

In the event of a member’s demise, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) offers financial assistance to the bereaved family as a compassionate gesture.

Other Services

KARISMA offers various services to enhance members’ professional image and convenience, including:

• Corporate Clothing: Ready-made designs with logo stitching and embroidered names, available in sizes S, M, L, XL, and XXL, and fabric options such as VISCOSE, MINI DRILL, and OXFORD – CVC 55/45 (blue).
• Convenient Payment Options: Members can utilize salary deductions for payments, while non-members can book services by paying 50% in advance.

Car and Motor Lubricants

Through collaboration with Koperasi Kakitangan Petronas Berhad (KOPETRO), KARISMA ensures members have access to quality lubricants for their vehicles.

Supply of Agricultural Equipment

KARISMA facilitates members in the agricultural sector by providing essential equipment, including lazy palm fruit pickers, rubber tapping equipment sets, rubber vinegar, latex stimulators, and rejuvenators.

Rice, Sugar, and Agricultural Inputs

Ensuring members have access to basic commodities, KARISMA supplies rice, sugar, fertilizers, herbicides, stationery (A4 paper, corporate circles), and feedlot cattle.

Insurance Services

Understanding the importance of security, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) offers insurance services to safeguard members’ assets and well-being.

Contact Koperasi Anggota RISDA Malaysia Berhad

Koperasi Anggota RISDA Malaysia Berhad (KARISMA)
W-6-0275 No. 3A, Blok 3 (Tingkat 2)
City Garden Commercial Center, Taman Nirwana
68000 Ampang, Selangor

Tel: 03–9202 3232 / 03–9202 3222 Fax: 03–9226 6111