Koperasi Warga USM (CoopUSMA)

About COOPUSMA

Koperasi Warga USM Kelantan Berhad (COOPUSMA) was established on 12 June 2000 (registration No. D-3-0261). The initial general meeting was held on 16 Nov 2000, which is the First General Meeting within 6 months from the date the cooperative was established. At the beginning of the establishment, Koperasi Warga USM Kelantan Berhad COOPUSMA was registered as Koperasi Kakitangan Universiti Sains Malaysia (USM) and changed its name to Koperasi Warga USM Kelantan Berhad in 2002.

Members of the Cooperative Board (ALK) consist of USM staff who have a high spirit of cooperation and are more concerned with welfare than profit as well as dedicated and very experienced in governance. Koperasi Warga USM Kelantan Berhad continues to move forward to make Koperasi Warga USM Kelantan Berhad the most competitive cooperative in Malaysia in an effort to meet the needs of members and customers of the Cooperative.

Koperasi Warga USM Kelantan Berhad consists of 170 staff led by a charismatic executive officer.

Credit Facilities

From our flagship credit facilities, including the Shariah-compliant Bai Al-Einah personal loan, to the convenience of Coop Mart retail outlets and the warmth of Kopitiam Lestari food establishments, we strive to meet the varied needs of our community with excellence and integrity.

In 2000 to 2016, the main function of the cooperative was to provide CREDIT FACILITIES and was amended to the SERVICE function in the Special General Meeting on 29 November 2016. Membership is open to all staff of Universiti Sains Malaysia (USM) Kubang Kerian Health Campus, Kelantan only. The number of members is 3086 members until 2019.

Health Services

At COOPUSMA, we go beyond traditional cooperative offerings, extending our reach into vital services such as health care. Our health services division provides essential amenities, including ambulance services, sports rehabilitation, and home care, ensuring the well-being of our community members in times of need.

Moreover, our commitment to holistic community development is evident in our Child Development Complex (ECCE), nurturing the minds and bodies of our future leaders with care and dedication.

Furthermore, our ventures into real estate, building rental, and E-Coopmart—a burgeoning e-commerce platform—underscore our commitment to innovation and adaptability in an ever-changing landscape.

As stewards of community prosperity, COOPUSMA proudly oversees wholly owned subsidiaries such as Pusat Dialysis Lestari and Farmasi Lestari Sdn. Bhd., amplifying our impact in the realms of healthcare and pharmaceuticals.

In our pursuit of excellence, we have forged strategic partnerships, such as our majority ownership of Telipot Medical Center (TMC) Sdn. Bhd. and collaboration with individuals in Nephrolife Dialysis Center, exemplifying our ethos of collaboration and collective progress.

As we continue to evolve and expand our horizons, COOPUSMA remains steadfast in our commitment to empowering the USM community and beyond. With each endeavor, we uphold the values of integrity, inclusivity, and service excellence, ensuring a brighter, more prosperous future for all.

Mission And Vision

Mission

“Committed to making cooperatives a leader in the tourism, personal care & health sector towards the well -being of society through human capital development, intellectual inquiry, creativity, innovation and knowledge dissemination”

Vision

“Creating competitive, global and ethical cooperatives as well as making them an authority through the transformation of cooperatives in the areas of Key Economic Outcomes (EPP) Tourism, Health and Personal Care.”

Koperasi Warga USM Kelantan Berhad is wholly owned by Bumiputeras and as a whole offers the following services:

• Credit Facility (Bai Al-Einah Loan)
• Coop Mart (Retail)
• Kopitiam Lestari (Food)
• Child Development Complex (ECCE)
• Health Services (Ambulance, Sports Rehab & Home Care)
• Building Rental
• Sustainable Osmosis Water Plant
• Kays Exclusive Motel
• E-Coopmart (E-Commerce)
• Real estate
• Building Rental
• Subsidiaries
• Sustainable Dialysis Center (Wholly Owned Subsidiary of COOPUSMA Koperasi Warga USM Kelantan Berhad)
• Farmasi Lestari Sdn. Bhd (Wholly Owned Subsidiary of COOPUSMA Koperasi Warga USM Kelantan Berhad)
• Telipot Medical Center (TMC) Sdn. Bhd. (51% owned by COOPUSMA Koperasi Warga USM Kelantan Berhad)
• Capital Investment
• Nephrolife Dialysis Center (Capital Investment 49% cooperatives 51% individuals)

Personal Financing

Indulge in the ultimate blend of convenience and financial empowerment with the Limited Offer Hotel and CoopUSMA personal loan from Koperasi Warga USM (Universiti Sains Malaysia). Experience unparalleled financing solutions with attractive interest rates, tailored to meet your diverse needs and aspirations.

But that’s not all – seize the opportunity to enjoy a complimentary stay at the prestigious USM Hotel, affectionately known as Kays Motel. Nestled in the heart of Kelantan, just a stone’s throw away from HUSM Kelantan, Kays Motel offers a luxurious retreat with modern amenities and unparalleled comfort.

Conveniently located in front of HUSM Kelantan, Kays Motel ensures seamless accessibility, allowing you to embark on your journey within minutes. Whether you’re visiting for business or leisure, the proximity of Kays Motel to HUSM Kelantan ensures that you’re always at the center of the action.

Don’t miss out on this exclusive opportunity to elevate your financial well-being while indulging in a lavish stay at Kays Motel. Experience the best of both worlds with the Limited Offer Hotel and CoopUSMA Personal Loan – your gateway to unparalleled convenience and luxury.

The latest CoopUSMA cooperative personal loan promotion offers USM employees a seamless avenue for in-house financing. With easy and fast application procedures, securing this financing option has never been more convenient.

For government employees seeking cooperative personal loans, numerous cooperatives and financial institutions extend their services, including Yayasan Ihsan Rakyat (YIR), Yayasan RCE Perlis, Coshare, Koperasi Gemilang, and more.

To secure a competitive interest rate, consider applying for a personal loan with Shariah-compliant banks like Bank Muamalat Malaysia Berhad, MBSB Bank, Bank Rakyat, BSN, and Al-Rajhi Bank. Opting for institutions with Shariah and Islamic compliant products ensures ethical financing practices.

Advantages of CoopUSMA cooperative personal loan:

1. Competitive Profit Rates: Benefit from competitive profit rates as low as 4% per annum, ensuring affordable financing solutions tailored to your needs.
2. Maximum Financing Amount: Enjoy the flexibility of accessing financing of up to RM100,000, empowering you to meet various financial requirements with ease.
3. Extended Financing Period: With a financing period of up to 10 years, CoopUSMA personal loans offer extended repayment terms, easing financial burdens and providing flexibility in managing repayments.
4. Fresh Loan Eligibility: CoopUSMA personal loans welcome fresh loan applications, catering to both new and existing borrowers’ financial needs.

Seize the opportunity to unlock your financial potential with CoopUSMA cooperative personal loans, offering competitive rates, flexible terms, and unparalleled convenience. Empower your financial journey today with CoopUSMA.

Competitive Rates

Koperasi Warga USM Kelantan Berhad (Coopusma) stands out with its highly competitive interest rates on personal financing, offering members an excellent opportunity to fulfill their financial needs with ease. Here’s a breakdown of the attractive interest rates offered by Coopusma:

• 4% Interest Rate (Flat) for Up to 5 Years:

  • Coopusma extends a remarkable offer of 4% flat interest rate for personal financing, providing members with affordable financing options for short to mid-term needs. This rate remains consistent throughout the entire tenure of up to 5 years, ensuring predictability and stability in repayments.

• 6% Interest Rate (Flat) for Up to 10 Years:

  • For members seeking more extended financing periods, Coopusma offers a competitive interest rate of 6% flat for personal financing. With a maximum tenure of up to 10 years, members can enjoy flexible repayment options while benefiting from the reasonable interest rate offered by Coopusma.

Apply Now!

Are you ready to take advantage of Coopusma’s attractive personal financing rates? Don’t miss out on this opportunity to fulfill your financial goals with ease and convenience. Apply for your personal financing today by contacting Coopusma directly or visiting their nearest branch.

With Coopusma’s competitive rates and hassle-free application process, you can secure the financing you need to achieve your dreams without unnecessary financial burdens. Take the first step towards realizing your aspirations by applying for personal financing with Coopusma today!

Personal Loan Package for Members

Koperasi Warga USM Kelantan Berhad (Coopusma) is dedicated to providing its members with the best financial solutions, and its personal loan package is no exception. With competitive interest rates and flexible terms, Koperasi Warga USM Kelantan Berhad’s personal loan package is designed to meet the diverse financial needs of its members. Here are the key terms and conditions:

• Maximum Loan Amount: Members can access a maximum loan amount of RM 100,000, allowing them to address various financial requirements effectively.
• Interest Rates:
  • Loans up to 5 Years: Enjoy a low interest rate of 4% per annum for loans with a tenure of up to 5 years. This competitive rate ensures affordable repayments and financial convenience for shorter-term financing needs.
  • Loans Over 5 Years up to 10 Years: For members requiring longer-term financing solutions, Coopusma offers an interest rate of 6% per annum for loans with a tenure exceeding 5 years up to a maximum of 10 years. Despite the extended tenure, this rate remains competitive, providing members with flexibility and affordability in managing their repayments.

Are you in need of financial assistance to achieve your goals or address unexpected expenses? Koperasi Warga USM Kelantan Berhad’s personal loan package offers the perfect solution with its attractive interest rates, generous loan amounts, and flexible repayment options.

Apply for Coopusma’s personal loan package today to unlock the financial support you need to fulfill your aspirations. Contact Koperasi Warga USM Kelantan Berhad directly or visit your nearest branch to learn more about the application process and start your journey towards financial empowerment with Coopusma’s best-in-class personal loan package!

Bai Al-Einah

Coopusma introduces an unparalleled personal financing solution structured under the principles of Bai Al-Einah. Designed to cater to the diverse financial needs of its members, Coopusma’s personal financing stands out as the epitome of affordability, flexibility, and convenience. Here, we present the monthly repayment schedule for a loan tenure of one year at a competitive interest rate of 4%.

Unlock Your Financial Potential

Experience the convenience and affordability of Coopusma’s personal financing package, meticulously crafted to empower you on your financial journey. Whether you’re planning a major purchase, consolidating debts, or pursuing personal ventures, Coopusma’s personal financing solution with Bai Al-Einah ensures that your financial aspirations are within reach.

Contact Coopusma today to explore the possibilities and embark on a path towards financial freedom with the best personal loan package tailored to your needs.

To get the repayment schedule of Bai Al-Einah personal financing with interest as low as 4%, please click on the repayment schedule of coopusma Koperasi Warga USM Kelantan Berhad

Hotel CoopUSMA

Kays Motel is one of the facilities if you have business or follow-up tretment at HUSM Kelantan. Among the facilities provided are as follows:

• Air conditioner
• Bathroom and hot and cold shower
• Free Wi Fi
• ASTRO line
• Drinking facilities
• Cold and hot water dispensers are also provided in the motel lobby free of charge

Room rental rates are also cheap, as low as RM60 per night. With a strategic location, Kays Motel is your choice when visiting Kelantan or if you have business or treatment at HUSM Kelantan.

Apart from being close to HUSM Kubang Kerian Kelantan, other benefits you can enjoy while staying at Kays Motel are as follows:

• Close to Bandar Baru Kubang Kerian.
• Close to Mydin Hypermarket, Nirwana Maju.
• Banking is easy to do because it has a network of banks such as CIMB, Bank Islam, Bank Rakyat, RHB and BSN.
• Can enjoy delicious food such as Pizza Hut, Dominos, and USM Cafe.

Contact Koperasi Warga USM (CoopUSMA)

KOPERASI WARGA UNIVERSITI SAINS MALAYSIA KELANTAN BERHAD
Lot 8014, Tingkat 1 Bandar Satelit Islam Pasir Tumboh
16150 Kota Bharu Kelantan

Tel: 09-765 6224
Fax: 09-765 6224