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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 - Koperasi Anggota RISDA Malaysia Berhad: Summary
- Article Name: Koperasi Anggota RISDA Malaysia Berhad (KARISMA): Empowering Agricultural Communities
- Category: #personalloan #koperasi #KARISMA
- Purpose: Personal loan promotion from Koperasi in Malaysia
- Koperasi Name: Koperasi Anggota RISDA Malaysia Berhad
- Abbreviation / Code Name: KARISMA
- Personal Loan Promotion Period: ~ see below ~
- Open to: Government
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.
Financial Loan Services: Empowering Agricultural Ventures
Upholding Cooperative Principles
At the heart of KARISMA’s mission lies its commitment to providing financial loan services to qualified members. Upholding the By-laws of the RISDA Malaysia Berhad Member Cooperative, KARISMA ensures accessible financial support to empower its members in their agricultural pursuits.
Diversified Transactions for Member Empowerment
Beyond financial services, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) engages in a spectrum of transactions catering to the diverse needs of its members. These include:
1. Supplying Agricultural Inputs
- Fertilizers and Chemicals to Government Agencies: Ensuring members have access to essential agricultural inputs for crop cultivation and pest management.
- Rubber Tapping Equipment: Facilitating rubber tapping operations with quality equipment to enhance productivity.
- Various Agricultural Tools: Providing a range of tools and machinery to support efficient farming practices.
2. Livestock Support
- Supply of Beef Cattle/Feedlot Cattle Feed: Supporting livestock farmers with quality feed for healthy and sustainable animal husbandry practices.
3. Provision of Goods and Services
- Corporate Clothing: Offering attire suitable for agricultural work to enhance safety and professionalism.
- Books and Reading Materials: Providing educational resources to promote continuous learning and skill development among members.
- Stationery & Office Supplies: Fulfilling administrative needs to facilitate smooth cooperative operations.
- Islamic Cooked Food Supply Services to Hostels/Institutes: Catering to the dietary preferences of members while ensuring access to nutritious meals.
Conclusion
Through its diversified transactions and financial loan services, Koperasi Anggota RISDA Malaysia Berhad (KARISMA) empowers its members to thrive in the agricultural sector. By adhering to cooperative principles and addressing the diverse needs of its members, KARISMA continues to play a pivotal role in enhancing the economic well-being of agricultural communities across Malaysia.
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: Empowering Members' Financial Needs
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
- Name Change to Tawarruq-i: Reflecting Islamic finance principles, the loan mechanism has evolved from Bai Al Inah to Tawarruq-i.
- Swift Processing: Applicants benefit from a streamlined process, with applications typically processed within five working days.
- Guarantor Requirement: Each application necessitates the attachment of a guarantor, ensuring accountability and security.
Subject to terms and conditions.
Emergency Loan: Addressing Urgent Needs
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:
- Natural Disaster Relief: Assisting members affected by floods and other natural calamities.
- Medical Treatment: Providing financial support for essential medical expenses.
- First-Time Home Purchase: Facilitating homeownership aspirations.
- First-Time Pilgrimage: Supporting members in fulfilling their religious obligations.
- Eye Care: Covering expenses related to eye treatments.
- Vehicle Maintenance: Financing car repairs and road tax renewal.
- 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 by KARISMA
Koperasi Anggota RISDA Malaysia Berhad also offers Consumer Goods Financing to facilitate members’ access to essential items. Key features of this financing option include:
- Application Procedure: Members are required to complete the financing form during the application process.
- Quick Processing: Applications are typically processed within three to five working days.
- 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 by KARISMA: Enhancing Members' Lives
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.
Web Directories
Welcome to our comprehensive web directories! Explore a world of information and resources tailored to your interests and needs. From travel adventures to financial solutions, hobbies, reviews, and more, our curated collection of links offers something for everyone. Click on the above links to start your journey towards discovering new experiences and expanding your horizons. Your next destination awaits!
- https://asiaworldtour.com: “Asia World Tour: Your Gateway to Asian and World Adventures”
- https://personalfinancingloan.com: “Personal Financing Loan: Your Path to Financial Freedom”
- https://hobbyforte.com: “HobbyForte: Discover Your Car Passion, Explore Your Interests”
- https://reviewsanything.com: “ReviewsAnything: Your Trusted Source for Honest Gadget Reviews”
- https://rumahmampumilik.com: “Rumah Mampu Milik: Your Affordable Homeownership Journey Begins Here”
- https://malaysiadigit.com: “MalaysiaDigit: Your Digital Destination for News and Insights”
- https://vipmalaysia.com: “VIP Malaysia: Elevate Your Experience in Malaysia”
- https://nordiyana.com: “Indulge in Elegance at Nordiyana: Latest Recipe and Culinary Inspirations”
- https://e-penyatagaji.com: “E-Penyata Gaji: Simplifying Payroll Management for You”
- https://googleasia.org: “Google Asia: Explore the World and Asia’s Wonders with Google Asia”
- https://malaysiafit.com: “Malaysia Fit: Your Partner in Health and Wellness”
- https://koperasi.info: “Koperasi: Building Communities, Empowering Lives”
- https://recipeinside.com: “RecipeInside: Unveiling Culinary Creations, Your Guide to Delicious Dishes”
- https://asiahealthcenter.com: “Asia Health Center: Your Source for Holistic Wellness Solutions”
- https://nationalhealthcenters.com: “National Health Centers: Your Source for Vital Health Information and Community Care”
- https://malaysiabit.com: “MalaysiaBit: Stay Informed, Stay Connected”
- https://epenyatagaji.com: “E-Penyata Gaji: Your Digital Payslip Solution”
- https://koperasi.work: “Koperasi Work: Collaborate, Innovate, Succeed”
- https://koperasi.business: “Koperasi Business: Driving Entrepreneurship, Fostering Growth
https://karismarisda.com.my
Article on Cooperative Personal Financing
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Contact Koperasi Anggota RISDA Malaysia Berhad
- Tel: 03–9202 3232 / 03–9202 3222
- Fax: 03–9226 6111
- Koperasi Anggota RISDA Malaysia Berhad (KARISMA)
W-6-0275 No. 3A, Blok 3 (Tingkat 2),
City Garden Commercial Center, Taman Nirwana,
68000 Ampang, Selangor