CoopUSMA Personal Loan Koperasi Warga USM

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.

CoopUSMA Personal Loan Koperasi Warga USM / Hotel CoopUSMA Pinjaman Peribadi Koperasi USM

Personal Loan Koperasi Warga USM Summary

  • Koperasi Name: Koperasi Warga USM
  • Abbreviation / Code Name: CoopUSMA
  • Category:#personalloan #personalfinancing #koperasi #KoperasiUSM
  • Koperasi Promotion Name: CoopUSMA Koperasi Warga USM
  • Personal Loan Promotion Period: –
  • Open to: Government / Semi-Govt
  • Max Loan Amount: RM100,000

Unlock Financial Opportunities with CoopUSMA Cooperative Personal Loan

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.

CoopUSMA Personal Loan 1



CoopUSMA Personal Loan 2



Hotel CoopUSMA

Hotel CoopUSMA Kays Motel

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.

Evolution of COOPUSMA: A Legacy of Community Empowerment

Established on 12 June 2000 as “Koperasi Kakitangan Universiti Sains Malaysia Kelantan Berhad (KKUSMKB),” our cooperative embarked on a journey dedicated to serving and empowering the USM community in Kelantan. In 2002, during the 2nd general meeting, we underwent a transformation, rebranding ourselves as “Koperasi Warga Universiti Sains Malaysia Kelantan Berhad (KWUSMKB)”—a name that reflected our commitment to inclusivity and unity among the USM community members.

Today, we stand proud as COOPUSMA, a beacon of Bumiputera ownership and community-driven initiatives. Our diverse portfolio of cooperative businesses encompasses a spectrum of services aimed at enhancing the well-being and prosperity of our members and the community at large.

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.

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.

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.

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.

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