Koperasi Muslimin Malaysia Berhad (KMMB)

In a world where profit often overshadows ethics, Koperasi Muslimin Malaysia Berhad (KMMB) emerges as a beacon of ethical finance grounded in Islamic principles. Since its establishment in 1980 under the auspices of the Association of Ulama’ Malaysia (PUM), KMMB has remained steadfast in its commitment to providing superior financial services guided by Sharia principles. With a mission to enhance the socio-economic, moral, and spiritual well-being of its members, KMMB offers Sharia-compliant savings facilities, welfare schemes, and educational programs, rooted in the teachings of Islam. Through its personal financing product, KMMB exemplifies its dedication to Islamic finance principles, striving to establish a just and cooperative economic system. As a champion of ethical finance and socio-economic empowerment, KMMB continues to lead by example, fostering a more equitable and morally upright financial landscape guided by Islamic values.

Upholding Islamic Principles in Financial Services

In the landscape of financial institutions, where profit often takes precedence, Koperasi Muslimin Malaysia Berhad (KMMB) stands as a beacon of ethical finance rooted in Islamic principles. Since its inception on 22 November 1980, KMMB, under the auspices of the Association of Ulama’ Malaysia (PUM), has been committed to providing superior financial services guided by Sharia principles, fostering socio-economic development while adhering to moral and spiritual values.

A Call to Cooperative Action

Grounded in the teachings of Islam, Koperasi Muslimin Malaysia Berhad (KMMB) advocates for the principle of cooperation (ta’awun) in all aspects of life, including economics. Recognizing the necessity for an Islamic financial institution as an alternative to conventional systems, Koperasi Muslimin Malaysia Berhad (KMMB) was established to fill this void and offer Muslims a platform to engage in financial activities aligned with their beliefs.

Mission and Objectives

Mission:

• Economic Empowerment: Conduct economic activities, educational initiatives, and welfare services to enhance the socio-economic, moral, and spiritual well-being of members.
• Sharia-compliant Savings: Provide savings facilities (Al-Wadiah) that adhere to Islamic principles, rejecting the practice of riba’ (usury).
• Welfare Schemes: Offer welfare schemes to safeguard members and contribute to Islamic endeavors.
• Educational Programs: Implement educational programs (tarbiyah) to enhance members’ understanding of Islamic muamalat (financial transactions).

Striving for Financial Inclusion and Integrity

KMMB’s personal financing (personal loan) product exemplifies its commitment to Islamic finance principles. By offering financial assistance tailored to the needs of its members while adhering to Sharia guidelines, Koperasi Muslimin Malaysia Berhad (KMMB) strives to establish an economic system rooted in justice, fairness, and mutual cooperation.

Personal Loan KMMB

Applying for personal financing with Koperasi Muslimin Malaysia Berhad (KMMB) is a straightforward process designed to cater to the needs of our members. Whether you’re a government employee or from the private sector, our streamlined application procedure ensures convenience and efficiency. Here’s a step-by-step guide on how to initiate your personal loan application:

General Documents Required:

1. Complete Application Form: Fill out the designated application form provided by Koperasi Muslimin Malaysia Berhad (KMMB), ensuring all information is accurate and up-to-date.
2. Certified Copy of Identity Card: Submit a certified copy of your Identity Card (IC) for verification purposes.
3. Latest 3 Months’ Salary Slips: Provide the original copies of your salary slips for the past three months, demonstrating your income stability.
4. Letter of Confirmation of Service: Obtain a letter from your employer confirming your employment status and tenure.
5. Eligibility Form: Government employees must fill out an eligibility form, specifying details such as salary deduction limits.
6. Bank Statement: For private sector employees, furnish the latest three months’ bank statements to validate your financial standing.

Additional Documents for Guarantors (Private Applicants):

1. Guarantor Bond Form: If required, complete the Guarantor Bond form provided by Koperasi Muslimin Malaysia Berhad (KMMB).
2. Certified Copy of Identity Card: Provide a certified copy of the guarantor’s Identity Card for verification.
3. Latest 2 Months’ Salary Slips: Submit copies of the guarantor’s salary slips for the preceding two months.
4. Letter of Confirmation of Service: Obtain a letter from the guarantor’s employer confirming their employment status and tenure.
5. Form 1/79A (Red) for Government Servants: If the guarantor is a government servant, include Form 1/79A (Red) as part of the application.

Submission Process:

Once you have compiled all the required documents, you can submit your application through the following channels:

• In-Person Submission: Visit your nearest Koperasi Muslimin Malaysia Berhad (KMMB) branch office and submit your application documents to our friendly staff.
• Online Submission: Alternatively, you may have the option to submit your application online through our secure portal. Check our website for details on the online application process.

Produk dan Pembiayaan

1. Bai Bithaman Aajil

• Pembiayaan Rumah/Tanah: Mencakup pembiayaan pembelian tanah, rumah, atau pembinaan/rumah.
• Pembiayaan Kenderaan: Termasuk pembiayaan pembelian kenderaan baru atau terpakai.
• Pembiayaan Peralatan: Meliputi pembiayaan pembelian perabot, barangan elektrik/komputer, atau alat ganti kenderaan atau rumah.

2. Pembiayaan Perkahwinan

Pembiayaan pakej perkahwinan yang mencakup pelbagai perkhidmatan seperti perunding perkahwinan, tempahan kad jemputan, katering, dan banyak lagi.

3. Pembiayaan Umrah Ziarah

Pembiayaan pakej Umrah, pakej Pelancongan, pakej Seminar/Mesyuarat, dan pakej Hotel.

4. Skim Al-Qardhul Hasan

Pinjaman sehingga RM5000 untuk tujuan pendidikan & perubatan tanpa caj keuntungan.

Kelayakan

Kelayakan bergantung kepada gaji & tempoh persaraan.

Skim Anugerah Pendidikan Cemerlang

Program Peningkatan Pendidikan untuk Anggota Koperasi

Terdapat banyak skim bantuan dan juga produk koperasi sediakan khusus untuk anggota-anggotanya. Ini dapat diterangkan seperti dibawah:

Skim Anugerah Pendidikan Cemerlang merupakan salah satu inisiatif yang disediakan oleh Koperasi Muslimin Malaysia Berhad (KMMB) untuk mendorong pencapaian cemerlang dalam pendidikan. Skim ini memberikan pengiktirafan dan sokongan kewangan kepada anggotanya yang mencapai kecemerlangan dalam pelbagai peringkat pendidikan.

Kategori dan Hadiah

Skim Anugerah Pendidikan Cemerlang KMMB merangkumi pelbagai kategori pencapaian, di antaranya:

• Hafiz Al-Quran – 30 Juzu’: RM2,000
• PhD: Anggota sahaja RM2,000
• Ijazah Sarjana: Anggota sahaja RM1,500
• Ijazah Kepujian Kelas Pertama: RM1,000
• Diploma / Matrikulasi: RM300

Selain itu, untuk pencapaian di peringkat sekolah, hadiah diberikan seperti berikut:

• STPM (4A) / STAM (Mumtaz): RM300
• SPM (9A+ / A) / SMU (Mumtaz): RM200
• PMR (8A / 9A) & PMRU: RM100
• UPSR (5A): RM50

Syarat Permohonan

Pemohon yang berminat perlu mematuhi syarat-syarat tertentu untuk membuat permohonan, antaranya:

• Menyertakan lampiran seperti Sijil / Ijazah & Transkrip yang berkaitan (Salinan disahkan).
• Salinan kad pengenalan pemohon & anak.
• Salinan sijil nikah (Suami / Isteri).

Skim Bantuan Khairat Kematian

Sokongan Kewangan dalam Masa Kesedihan

Skim Bantuan Khairat Kematian merupakan satu lagi perkhidmatan yang disediakan oleh KMMB untuk memberikan bantuan kewangan kepada ahli dan keluarga mereka dalam menghadapi kematian.

Kategori dan Sumbangan

Skim ini terbahagi kepada beberapa kategori sumbangan:

• Bagi anggota koperasi: Sumbangan sehingga RM5,000.
• Bagi suami / isteri: Sumbangan RM500.
• Bagi anak (Lelaki <= 18 / Perempuan belum berkahwin): RM300.
• Bagi ibu / bapa anggota: RM200.

Syarat Permohonan

Permohonan untuk skim ini memerlukan beberapa dokumen penting, seperti:

• Sijil kematian / permit perkuburan.
• Salinan sijil kelahiran pemohon (jika ibu yang meninggal).
• Salinan sijil nikah (suami / isteri).
• Salinan kad pengenalan penerima sumbangan.

Skim Bantuan Musibah

Sokongan dalam Kecemasan

Skim Bantuan Musibah adalah perkhidmatan yang disediakan oleh KMMB untuk memberikan sokongan kewangan kepada anggota yang terjejas dalam pelbagai musibah seperti kemalangan, bencana alam, kebakaran, penyakit kronik, dan lain-lain.

Kategori dan Sokongan

Skim ini memberikan sokongan mengikut kategori musibah dan tahap kerugian yang ditanggung oleh ahli koperasi.

Untuk maklumat lanjut mengenai syarat-syarat dan cara memohon, sila hubungi pusat khidmat pelanggan Koperasi Muslimin Malaysia Berhad.

Contact Koperasi Muslimin Malaysia Berhad (KMMB)

Koperasi Muslimin Malaysia Berhad
17-3-1, Tingkat 3
Blok A, Jalan Semarak Api 1
Pusat Perniagaan Diamond Square
Off Jalan Gombak
53000 Kuala Lumpur

Tel: 03-4021 0033
Fax: 03-4021 4099 / 5227

E-Mail: muslimin@koperasimuslimin.com.my