Koperasi Jayadiri Malaysia Berhad (KOJADI)

Looking for an excellent cooperative in Malaysia with a top-notch educational loan scheme for higher education students? Look no further than Koperasi Jayadiri Malaysia Berhad (KOJADI). With low-interest personal financing options available, KOJADI stands out as one of the best cooperatives in the country. Whether you’re seeking financial assistance for educational pursuits or looking for personal financing solutions, KOJADI has you covered. Explore all the information about this outstanding cooperative and unlock the opportunities it offers for educational and financial empowerment.

About (KOJADI)

Empowering Education since 1981

Koperasi Jayadiri Malaysia Berhad (KOJADI) stands as a beacon of hope for countless Malaysian students since its establishment on March 12, 1981. With a primary objective of providing accessible educational loans to needy students, KOJADI has played a pivotal role in nurturing human resources and fostering national development through education.

The Genesis of KOJADI

The seeds of KOJADI were sown in the 1970s, a time when many Malaysian students faced barriers in accessing higher education due to limited university placements and quota systems. Faced with fierce competition for entry into local universities, students often had to resort to costly overseas education, an option out of reach for many from less privileged backgrounds. Recognizing this pressing need, KOJADI emerged as a solution to empower deserving students with the financial means to pursue their educational aspirations.

Fulfilling Dreams through Education

KOJADI’s impact on the educational landscape of Malaysia is profound. Through its Higher Education Loan Scheme launched in 1981, KOJADI has disbursed over RM247 million in study loans to more than 11,500 students, enabling them to pursue higher education both locally and abroad. By bridging the financial gap, KOJADI has transformed the dreams of numerous students into tangible realities.

Empowering Communities

With a membership exceeding 60,000 and total assets surpassing RM266 million, KOJADI stands as a testament to the collective power of community-driven initiatives. Beyond providing financial assistance, KOJADI’s contributions extend to nation-building by empowering individuals from diverse socio-economic backgrounds to become skilled professionals and contributing members of society.

Building a Brighter Future

The impact of KOJADI reverberates beyond graduation ceremonies. To date, approximately 10,000 KOJADI beneficiaries have successfully completed their education and are actively contributing to various fields, enriching Malaysia’s workforce and driving socio-economic progress. KOJADI’s legacy is not merely in the loans it grants but in the transformative journeys it facilitates, shaping the future of both individuals and the nation.

The History

Inception and Legal Foundation

KOPERASI JAYADIRI MALAYSIA BERHAD, affectionately known as KOJADI, was established under the Co-operative Societies Act and officially registered as a co-operative society on May 15, 1981. Since its inception, KOJADI has been a cornerstone in the Malaysian educational landscape, dedicated to providing accessible educational loans to deserving students.

Inclusive Membership

As a testament to its commitment to inclusivity, KOJADI opens its membership to all Malaysians who have reached the age of 18. This inclusive approach ensures that individuals from diverse backgrounds have the opportunity to benefit from KOJADI’s services, embodying the spirit of unity and collaboration.

Guided by Cooperative Principles

KOJADI operates on the foundational principles of cooperation, emphasizing “Self-help and Mutual-help.” These principles serve as the guiding ethos behind KOJADI’s operations, fostering a culture of collective responsibility and support within the community. By adhering to cooperative values, KOJADI creates a conducive environment for empowerment and sustainable growth.

Fostering the Cooperative Spirit

At the heart of KOJADI’s mission lies the cooperative spirit of collaboration and mutual assistance. Through its operations and activities, KOJADI not only provides financial assistance but also cultivates a sense of camaraderie and solidarity among its members. By nurturing this spirit of cooperation, KOJADI strengthens social bonds and promotes shared prosperity within Malaysian society.

Governance and Legal Framework

Regulatory Compliance

As a legal entity, Koperasi Jayadiri Malaysia Berhad (KOJADI) operates within the regulatory framework established by The Co-operative Societies Act 1993 and its accompanying Regulations. These legislative instruments provide the legal foundation for KOJADI’s operations, ensuring compliance with statutory requirements and regulatory standards.

Internal Governance Structure

KOJADI is governed by its own set of By-laws, which have been duly approved and registered with the Co-operative Development Department. These By-laws serve as the internal governance framework for KOJADI, delineating the rights, responsibilities, and procedures governing its operations and activities.

Management Oversight

The management of KOJADI is vested in its Board of Directors, which is formed and elected by its members. The Board of Directors plays a crucial role in overseeing the strategic direction, financial management, and operational activities of KOJADI. Through their collective expertise and stewardship, the Board ensures the effective governance and sustainable growth of the cooperative.

Authorized Business Activities

Under its legal mandate, KOJADI is authorized to engage in all businesses and activities that are deemed beneficial to its members. This broad mandate allows KOJADI to adapt to the evolving needs and aspirations of its members, while also contributing to the socio-economic development of the community. Whether through the provision of educational loans or other member-centric services, KOJADI remains steadfast in its commitment to enhancing the well-being of its members.

Objective

The primary objective of Koperasi Jayadiri Malaysia Berhad is to provide financial assistance in the form of study loans to its members and their families to pursue further education both locally and abroad.

Since 2012, Koperasi Jayadiri Malaysia Berhad have diversified its loans to business loans such as Micro Credit Loans and TUKAR / ATOM (Under the Economic Transformation Programme and Small and Medium Enterprises loan scheme.

Contact Koperasi Jayadiri Malaysia Berhad

Koperasi Jayadiri Malaysia Berhad
11th Floor, Wisma MCA 163 Jalan Ampang
50450 Kuala Lumpur

Tel: 03-2161 6499
Fax: 03-2162 1413 / 03-2161 2840

E-Mail:

• For General Enquiries: contact@kojadi.com.my
• For Education Loan Enquiries: loan@kojadi.com.my
• For Micro Credit Loan Enquiries: microcredit@kojadi.com.my