Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI)

Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) plays a crucial role in nurturing entrepreneurship through its Micro Credit Assistance program. By providing accessible loans ranging from RM1,000 to RM5,000 in its early stages, KOPUBI aims to empower members to address immediate financial needs and fuel business growth. With plans to increase the maximum loan amount to RM250,000 in the future, KOPUBI demonstrates its commitment to fostering sustainable economic development and supporting the entrepreneurial journey of its members. Join KOPUBI today and take a step towards realizing your business dreams with the support of a dedicated cooperative community.

Introduction

Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) is a cooperative organization based in Perak, Malaysia. Established on 15th April 2016, KOPUBI Perak was inspired by the vision of En. Sharul Baha Abd Rahman, the Chairman of Persatuan Usahawan Bersatu Ipoh Perak.

The Journey to Establishment

Under the guidance of the Persatuan Usahawan Bersatu Ipoh Perak, KOPUBI Perak embarked on its journey towards establishment. The Cooperative Sponsor Committee, comprising key members of the association, initiated the process by submitting an official application to the Malaysian Cooperative Commission on 6th August 2017.

Vision and Goals

With the aim of fostering unity and economic empowerment among entrepreneurs in Perak, KOPUBI Perak aims to gather a diverse membership base. The cooperative aspires to provide various benefits and opportunities to its members, including access to micro-credit loans, marketing ventures, and real estate investments.

Join the Movement

Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) is now actively seeking new members to join its ranks. With nearly 1,000 members from across Perak, the cooperative offers an inclusive platform for entrepreneurs to collaborate and thrive. Joining is simple, with an entry fee of RM150.00 and the opportunity to purchase cooperative shares at the same price. Each member can acquire a maximum of 25 units of shares.

Key Activities

The cooperative focuses on three main activities:

1. Micro Credit Loans: Providing financial assistance to members for their business endeavors.
2. Marketing Ventures: Engaging in business activities related to marketing to enhance members’ entrepreneurial opportunities.
3. Real Estate Investments: Exploring investment opportunities in the real estate sector to generate long-term returns for members.

Micro Credit Assistance

Empowering Entrepreneurs

Micro Credit Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) plays a vital role in supporting members who require financial aid to strengthen their businesses or to kickstart new ventures. The cooperative aims to empower entrepreneurs by providing accessible and affordable credit facilities.

Early Initiatives

In its initial stages, the Board Members of Koperasi Usahawan Bersatu Ipoh Perak Bhd allocated funds to offer loans ranging from RM1,000 to RM5,000 to eligible members. This initiative aimed to assist members in addressing immediate financial needs and facilitating business growth. As the cooperative’s financial performance improves and its capital base expands, the loan amount is anticipated to increase progressively.

Future Plans

Looking ahead, the Board Members of Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) aspire to enhance the cooperative’s lending capacity further. Once Koperasi Usahawan Bersatu Ipoh Perak Bhd achieves robust financial performance and demonstrates substantial profitability, the aim is to elevate the maximum loan amount to RM250,000. This strategic move reflects the cooperative’s commitment to meeting the evolving needs of its members and fostering sustainable economic development within the community.

i-Mikro Bai’ Al-Inah Personal Financing

Accessible Financing for All

Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) brings great news to the residents of Perak with the launch of its i-Mikro Bai’ Al-Inah Personal Financing Scheme. As one of the leading Entrepreneur Cooperatives in Ipoh City, KOPUBI Perak Bhd is proud to offer this financing opportunity to all.

Addressing Financial Needs

Understanding the diverse needs of its members, KOPUBI Perak Bhd introduces the i-Mikro Bai’ Al-Inah Personal Financing Scheme to provide additional working capital for business development or to meet emergency expenses. With easy access and flexible terms, this financing solution caters to various financial requirements.

Application Conditions

To apply for the i-Mikro Bai’ Al-Inah Personal Financing, applicants must meet the following conditions:

• Malaysian citizens aged 18 years and above, with a minimum of six months’ membership in the Cooperative.
• Paid a Share Capital of at least RM150.00 and an entry fee of RM150.00.
• Monthly installment repayment should not exceed 60% of monthly income.
• Maximum financing limit is subject to 10x the share value, with a cap of RM5,000.
• Requires a Guarantor who is a member of the Cooperative.
• Complete the application through the iKoop system and provide necessary information and documents.

Guarantor Requirements

For individuals acting as guarantors:

• Must be a member of KOPUBI Perak Bhd for at least six months.
• Limited to guaranteeing a maximum of three members simultaneously.
• Board Members are restricted from acting as guarantors during their tenure.
• Cannot be a family member or spouse of the borrower.
• Acts as a debt collector, not a debt payer, in case of default by the borrower.

Ensuring Financial Security

To maintain financial stability and uphold positive capital control, Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI) imposes a financing condition. Loans exceeding RM2,000 require a guarantor from among the Cooperative’s members. This measure safeguards the interests of all members and ensures responsible lending practices.

Contact Koperasi Usahawan Bersatu Ipoh Perak Bhd (KOPUBI)

57B, Susunan Stesen 18, Station 18
31650 Ipoh, Perak

Tel: 05-322 7297
WhatsApp: 011-6568 3924