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Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
Explore the comprehensive support and services offered by KOPEN, a cooperative committed to enriching the lives of employees within the Malaysian Prison Department. From financial aid to community-building initiatives, KOPEN strives to create a supportive network and empower its members to thrive both personally and professionally.
KOPEN Personal Loan Koperasi Jabatan Penjara Malaysia Berhad: Summary
- Koperasi Name: Personal Loan Koperasi Jabatan Penjara Malaysia Berhad
- Abbreviation / Code Name: KOPEN
- Category:#personalloan #koperasi #KOPEN
- Koperasi Promotion Name: KOPEN Personal Loan Koperasi Jabatan Penjara Malaysia Berhad
- Personal Loan Promotion Period: ~ call for confirmation ~
- Open to: Government
- Max Loan Amount: RM150k
Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
Koperasi Jabatan Penjara Malaysia Berhad, commonly known as KOPEN, is an organization registered under the Malaysian Cooperatives Ordinance No. 33 of 1984. It was established on November 6, 1981, with the primary objective of benefiting its members and advancing their welfare.
Main Activities of the Cooperative
One of the primary activities of KOPEN is to provide savings and financing services to its cooperative members. This aims to assist cooperative members in managing their finances more efficiently and provides them with opportunities to achieve their financial goals.
By offering savings services, KOPEN helps its members to save money in a disciplined manner, which can then be utilized for various purposes such as investments, education, or emergencies. Additionally, the financing services provided by KOPEN assist its members in accessing the necessary funds at reasonable interest rates to meet their needs such as home purchases, vehicle purchases, or business capital.
By supporting these financial activities, KOPEN plays a crucial role in enhancing the economic welfare of its members and contributes to local economic development through financing provided to small and medium-sized businesses within the community.
Bai Al-Inah Personal Loans from KOPEN
Overview
Bai Al-Inah personal loans provided by Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) offer individuals access to financial assistance with flexible terms and competitive rates. These loans are designed to meet various needs, ranging from personal expenses to business ventures, and are tailored to suit the diverse requirements of KOPEN members.
Loan Details
Bai Al-Inah personal loans from KOPEN extend up to RM150,000.00, subject to eligibility criteria outlined in cooperative circular no: 01/2006. According to this circular, the salary deduction limit is set at 60% of total income. These loans come with a competitive interest rate of 5.9% per annum, ensuring affordability and accessibility for members.
Application Process
Prospective applicants are required to fulfill certain documentation and eligibility criteria:
Applicant Requirements:
- Completion of loan application form
- Submission of one copy of the bank account statement
- Presentation of two pieces of verified identity cards
- Provision of two latest payslips, covering one month (verified)
Guarantor Requirements:
- RM 5000 guarantee from two KOPEN members
- Submission of one piece of the current salary slip
Consumer Personal Loans
KOPEN offers a range of consumer personal loans tailored to different needs:
- Electrical goods loans: Up to RM20,000.00
- Jewelry loans: RM20,000.00
- Mobile phone loans: RM10,000.00
- Computer loans: Limited to RM10,000.00
- Motorcycle loans: Up to RM20,000.00
- Furniture loans: Up to RM20,000.00
- Education loans: RM10,000.00
- Tourism loans: Limited to RM20,000.00
Additional Loan Offerings
In addition to personal loans, KOPEN provides other financial products and services for its members:
- Housing loans
- Car purchase loans
- Home improvement loans
- Business Working Capital Loans
- Marriage Loan
- Pedang Istiadat Loan
- Car & Motorcycle License Loan (Metro Driving / Surfine and Road Tax Renewal Loan & Vehicle Insurance)
- Sun Glasses Making Loans (Permata Optical)
- Bicycle Purchase Loans
Special Offer: 90% Personal Loan against Accumulated Fees
KOPEN members can avail of a special offer wherein they can obtain a personal loan of up to 90% against accumulated fees, with an attractive interest rate of 3% per annum. This offer provides additional financial flexibility and convenience for members seeking financial assistance.
Other Services
Etiqa Takaful Group Insurance/Death Benefit Scheme
Etiqa Takaful Group Insurance Facility
Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) offers its members the convenience of Etiqa Takaful group insurance, ensuring financial security and peace of mind for themselves and their families. With a minimum deduction of RM 10 per month, members can avail themselves of this facility, providing coverage against various unforeseen events.
Death Benefit Scheme
Under the death benefit scheme (skim khairat kematian), Koperasi Jabatan Penjara Malaysia Berhad deducts a total of RM 100.10 per year from the member’s account. This deduction entitles the member, their spouse, and children to receive benefits in the unfortunate event of death. For instance, if a member contributes RM 20,000.00, their spouse RM 3000.00, and each child aged one week to 21 years up to a maximum of 4 people, they will be entitled to a lump sum payment of RM 700.
Other Cooperative Activities
Apart from the insurance facilities, KOPEN engages in various other activities to cater to the diverse needs of its members and contribute to their overall welfare. These activities include:
- Member money savings
- Personal financing
- Consumer financing
- Acting as agents for Etiqa Takaful / Takaful Ikhlas
- Building/residential rental services
- Organizing vacations in Port Dickson
- Arranging Umrah trips/holiday activities
- Managing Pasarmini Kopeniaga (Cooperative Mini Markets)
- Supplying necessities for prisoners
- Providing safety equipment
- Supplying telecommunication equipment
- Providing uniforms and accessories
- Organizing motivational and training camps
- Offering catering services
Cooperative Membership
As of 2017, KOPEN boasted a membership count of 8,158 individuals, with a membership fee capital reaching RM 30,754,440.39 by December of the same year. The total assets of KOPEN as of December 2017 amounted to RM 48,085,410.81, reflecting the cooperative’s robust financial standing and commitment to serving its members.
Frequently Asked Questions (FAQ) about Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
Curious about Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)? Explore our FAQ section for answers to common questions. Find out more about our services, policies, and how we can meet your needs. Dive into our FAQ to discover everything you need to know before getting started. Start exploring now!
What are the personal loans package offered by Koperasi Jabatan Penjara Malaysia Berhad KOPEN?
So far, Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) has offered a personal loan product, which is a Bai Al-Inah loan, with financing of up to RM150k and an interest rate of only 5.90%
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www.kopen.com.my
Contact Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
- Tel: 03-87415541
- admin@kopen.com.my
- Fax: 03-87416641
- KOPERASI JABATAN PENJARA MALAYSIA BERHAD
NO. 17, JALAN PUSAT PERNIAGAAN 2
PUSAT PERNIAGAAN SUNGAI JELOK
43000 KAJANG, SELANGOR DARUL EHSAN