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  • Koperasi KOPEN: Best Personal Loans in Malaysia!

    Koperasi KOPEN: Best Personal Loans in Malaysia!


    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)

    Explore the comprehensive support and services offered by KOPEN, a cooperative committed to enriching the lives of employees within the Malaysian Prison Department. From financial aid to community-building initiatives, KOPEN strives to create a supportive network and empower its members to thrive both personally and professionally.

    About KOPEN

    Koperasi Jabatan Penjara Malaysia Berhad, commonly known as KOPEN, is an organization registered under the Malaysian Cooperatives Ordinance No. 33 of 1984. It was established on November 6, 1981, with the primary objective of benefiting its members and advancing their welfare.

    Main Activities

    One of the primary activities of KOPEN is to provide savings and financing services to its cooperative members. This aims to assist cooperative members in managing their finances more efficiently and provides them with opportunities to achieve their financial goals.

    By offering savings services, KOPEN helps its members to save money in a disciplined manner, which can then be utilized for various purposes such as investments, education, or emergencies. Additionally, the financing services provided by KOPEN assist its members in accessing the necessary funds at reasonable interest rates to meet their needs such as home purchases, vehicle purchases, or business capital.

    Personal Financing

    Bai Al-Inah

    Overview

    Bai Al-Inah personal loans provided by Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) offer individuals access to financial assistance with flexible terms and competitive rates. These loans are designed to meet various needs, ranging from personal expenses to business ventures, and are tailored to suit the diverse requirements of KOPEN members.

    Loan Details

    Bai Al-Inah personal loans from KOPEN extend up to RM150,000.00, subject to eligibility criteria outlined in cooperative circular no: 01/2006. According to this circular, the salary deduction limit is set at 60% of total income. These loans come with a competitive interest rate of 5.9% per annum, ensuring affordability and accessibility for members.

    Application Process

    Prospective applicants are required to fulfill certain documentation and eligibility criteria:

    Applicant Requirements:

    • Completion of loan application form
    • Submission of one copy of the bank account statement
    • Presentation of two pieces of verified identity cards
    • Provision of two latest payslips, covering one month (verified)

    Guarantor Requirements:

    • RM 5000 guarantee from two KOPEN members
    • Submission of one piece of the current salary slip

    Consumer Loans

    KOPEN offers a range of consumer personal loans tailored to different needs:

    • Electrical goods loans: Up to RM20,000.00
    • Jewelry loans: RM20,000.00
    • Mobile phone loans: RM10,000.00
    • Computer loans: Limited to RM10,000.00
    • Motorcycle loans: Up to RM20,000.00
    • Furniture loans: Up to RM20,000.00
    • Education loans: RM10,000.00
    • Tourism loans: Limited to RM20,000.00

    Additional Loan Offerings

    In addition to personal loans, KOPEN provides other financial products and services for its members:

    • Housing loans
    • Car purchase loans
    • Home improvement loans
    • Business Working Capital Loans
    • Marriage Loan
    • Pedang Istiadat Loan
    • Car & Motorcycle License Loan (Metro Driving / Surfine and Road Tax Renewal Loan & Vehicle Insurance)
    • Sun Glasses Making Loans (Permata Optical)
    • Bicycle Purchase Loans

    Special Offer: 90% Personal Loan against Accumulated Fees

    KOPEN members can avail of a special offer wherein they can obtain a personal loan of up to 90% against accumulated fees, with an attractive interest rate of 3% per annum. This offer provides additional financial flexibility and convenience for members seeking financial assistance.

    Other Businesses

    Etiqa Takaful Group Insurance/Death Benefit Scheme

    Etiqa Takaful Group Insurance Facility

    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) offers its members the convenience of Etiqa Takaful group insurance, ensuring financial security and peace of mind for themselves and their families. With a minimum deduction of RM 10 per month, members can avail themselves of this facility, providing coverage against various unforeseen events.

    Death Benefit Scheme

    Under the death benefit scheme (skim khairat kematian), Koperasi Jabatan Penjara Malaysia Berhad deducts a total of RM 100.10 per year from the member’s account. This deduction entitles the member, their spouse, and children to receive benefits in the unfortunate event of death. For instance, if a member contributes RM 20,000.00, their spouse RM 3000.00, and each child aged one week to 21 years up to a maximum of 4 people, they will be entitled to a lump sum payment of RM 700.

    Other Cooperative Activities

    Apart from the insurance facilities, KOPEN engages in various other activities to cater to the diverse needs of its members and contribute to their overall welfare. These activities include:

    • Member money savings
    • Personal financing
    • Consumer financing
    • Acting as agents for Etiqa Takaful / Takaful Ikhlas
    • Building/residential rental services
    • Organizing vacations in Port Dickson
    • Arranging Umrah trips/holiday activities
    • Managing Pasarmini Kopeniaga (Cooperative Mini Markets)
    • Supplying necessities for prisoners
    • Providing safety equipment
    • Supplying telecommunication equipment
    • Providing uniforms and accessories
    • Organizing motivational and training camps
    • Offering catering services

    Membership

    As of 2017, KOPEN boasted a membership count of 8,158 individuals, with a membership fee capital reaching RM 30,754,440.39 by December of the same year. The total assets of KOPEN as of December 2017 amounted to RM 48,085,410.81, reflecting the cooperative’s robust financial standing and commitment to serving its members.

    Contact Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)

    Koperasi Jabatan Penjara Malaysia Berhad
    No. 17, Jalan Pusat Perniagaan 2
    Pusat Perniagaan Sungai Jelok
    43000 Kajang, Selangor Darul Ehsan

    Tel: 03-87415541
    Fax: 03-87416641

    E-Mail: admin@kopen.com.my






    KOPEN Personal Loan Koperasi Jabatan Penjara Malaysia Berhad

    Frequently Asked Questions (FAQ)

    Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.

    What are the personal loans package offered by Koperasi Jabatan Penjara Malaysia Berhad KOPEN?

    So far, Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) has offered a personal loan product, which is a Bai Al-Inah loan, with financing of up to RM150k and an interest rate of only 5.90%

    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN): Summary

    • Article Title: Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
    • Category: #KOPEN #PersonalLoan #Koperasi 
    • Purpose: #GeneralInformation 
    • Source: kopen.com.my official website

    Koperasi Loan Promotions

    Looking for an attractive koperasi loan offer? Check out our koperasi loan promotions now! Enjoy competitive interest rates, an easy application process, and quick approval. Click below to explore the options and choose the loan that fits your financial needs!

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    Koperasi Loan

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    1. https://asiaworldtour.com: “Asia World Tour: Your Gateway to Asian and World Adventures”
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    6. https://malaysiadigit.com: “MalaysiaDigit: Your Digital Destination for News and Insights”
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    10. https://googleasia.org: “Google Asia: Explore the World and Asia’s Wonders with Google Asia”
    11. https://malaysiafit.com: “Malaysia Fit: Your Partner in Health and Wellness”
    12. https://koperasi.info: “Koperasi: Building Communities, Empowering Lives”
    13. https://recipeinside.com: “RecipeInside: Unveiling Culinary Creations, Your Guide to Delicious Dishes”
    14. https://asiahealthcenter.com: “Asia Health Center: Your Source for Holistic Wellness Solutions”
    15. https://nationalhealthcenters.com: “National Health Centers: Your Source for Vital Health Information and Community Care”
    16. https://malaysiabit.com: “MalaysiaBit: Stay Informed, Stay Connected”
    17. https://epenyatagaji.com: “E-Penyata Gaji: Your Digital Payslip Solution”
    18. https://koperasi.work: “Koperasi Work: Collaborate, Innovate, Succeed”
    19. https://koperasi.business: “Koperasi Business: Driving Entrepreneurship, Fostering Growth”
  • Koperasi Jabatan Penjara Malaysia (KOPEN): Terbaik

    Koperasi Jabatan Penjara Malaysia (KOPEN): Terbaik


    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)

    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) menawarkan pelbagai bentuk pembiayaan kepada ahlinya, termasuk pinjaman peribadi bai al-inah dan pembiayaan pengguna, dengan kadar faedah yang rendah. Temukan lebih banyak tentang peluang pembiayaan yang ditawarkan oleh KOPEN kepada anggota koperasi.

    Mengenai KOPEN

    Koperasi Jabatan Penjara Malaysia Berhad atau lebih dikenali sebagai KOPEN merupakan sebuah organisasi yang didaftarkan di bawah Ordinan Koperasi Malaysia No. 33 tahun 1984. KOPEN ditubuhkan pada 6 November 1981 dengan matlamat utama untuk memberi manfaat kepada anggotanya serta memajukan kebajikan mereka.

    Aktiviti Utama Koperasi

    Salah satu daripada aktiviti utama KOPEN ialah menyediakan perkhidmatan simpanan dan pembiayaan kepada ahli koperasi. Ini bertujuan untuk membantu anggota koperasi dalam menguruskan kewangan mereka dengan lebih cekap dan memberi peluang kepada mereka untuk mencapai matlamat kewangan mereka.

    Dengan menyediakan perkhidmatan simpanan, KOPEN membantu ahli-ahlinya untuk menyimpan wang secara berdisiplin, yang mana wang ini kemudiannya boleh digunakan untuk pelbagai tujuan seperti pelaburan, pendidikan, atau kecemasan. Selain itu, perkhidmatan pembiayaan yang disediakan oleh KOPEN membantu ahli-ahlinya untuk mendapatkan dana yang diperlukan dengan kadar faedah yang munasabah untuk memenuhi keperluan mereka seperti pembelian rumah, kenderaan, atau modal perniagaan.

    Pinjaman Peribadi

    Bai Al-Inah

    Pinjaman peribadi Bai Al-Inah yang disediakan oleh Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) memberikan akses kepada individu untuk bantuan kewangan dengan syarat-syarat yang fleksibel dan kadar yang kompetitif. Pinjaman ini direka untuk memenuhi pelbagai keperluan, dari perbelanjaan peribadi hingga usaha perniagaan, dan disesuaikan untuk memenuhi keperluan yang pelbagai dari ahli KOPEN.

    Perincian Pinjaman

    Pinjaman peribadi Bai Al-Inah dari KOPEN diperluaskan sehingga RM150,000.00, tertakluk kepada kriteria kelayakan yang dinyatakan dalam circular koperasi no: 01/2006. Menurut circular ini, had potongan gaji ditetapkan pada 60% daripada pendapatan keseluruhan. Pinjaman ini datang dengan kadar faedah yang kompetitif iaitu 5.9% setahun, memastikan kebolehaksesan dan kebolehtampakan untuk ahli.

    Proses Permohonan

    Calon pemohon dikehendaki memenuhi beberapa dokumen dan kriteria kelayakan yang tertentu:

    Keperluan Pemohon:

    • Penyelesaian borang permohonan pinjaman
    • Penyerahan satu salinan penyata akaun bank
    • Pembentangan dua keping kad pengenalan yang disahkan
    • Penyediaan dua slip gaji terkini, meliputi satu bulan (disahkan)

    Keperluan Penjamin:

    • Jaminan RM 5000 daripada dua ahli KOPEN
    • Penyerahan satu keping slip gaji semasa

    Pinjaman Peribadi Pengguna

    KOPEN menawarkan pelbagai pinjaman peribadi pengguna yang disesuaikan dengan keperluan yang berbeza:

    • Pinjaman barangan elektrik: Sehingga RM20,000.00
    • Pinjaman perhiasan: RM20,000.00
    • Pinjaman telefon mudah alih: RM10,000.00
    • Pinjaman komputer: Terhad kepada RM10,000.00
    • Pinjaman motosikal: Sehingga RM20,000.00
    • Pinjaman perabot: Sehingga RM20,000.00
    • Pinjaman pendidikan: RM10,000.00
    • Pinjaman pelancongan: Terhad kepada RM20,000.00

    Tawaran Pinjaman Tambahan

    Selain pinjaman peribadi, KOPEN menyediakan produk dan perkhidmatan kewangan lain untuk ahlinya:

    • Pinjaman perumahan
    • Pinjaman pembelian kereta
    • Pinjaman penambahbaikan rumah
    • Pinjaman Modal Kerja Perniagaan
    • Pinjaman Perkahwinan
    • Pinjaman Pedang Istiadat
    • Pinjaman Lesen Kereta & Motosikal (Metro Driving / Surfine dan Pinjaman Pembaharuan Cukai Jalan & Insurans Kenderaan)
    • Pinjaman Pembuatan Cermin Mata (Permata Optical)
    • Pinjaman Pembelian Basikal

    Tawaran Khas: 90% Pinjaman Peribadi atas Yuran Terkumpul

    Ahli KOPEN boleh mendapat tawaran khas di mana mereka boleh mendapatkan pinjaman peribadi sehingga 90% atas yuran terkumpul, dengan kadar faedah yang menarik iaitu 3% setahun. Tawaran ini menyediakan fleksibiliti dan kemudahan kewangan tambahan bagi ahli yang mencari bantuan kewangan.

    Insuran

    Kemudahan Insurans Kumpulan Etiqa Takaful

    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN) menyediakan kemudahan insurans kumpulan Etiqa Takaful kepada para ahli sebagai jaminan keselamatan kewangan bagi diri mereka dan keluarga. Dengan pemotongan minimum sebanyak RM 10 sebulan, ahli-ahli dapat memanfaatkan kemudahan ini untuk mendapatkan perlindungan daripada pelbagai kejadian yang tidak dijangka.

    Skim Faedah Kematian

    Di bawah skim faedah kematian, Koperasi Jabatan Penjara Malaysia Berhad akan memotong sejumlah RM 100.10 setahun dari akaun ahli. Pemotongan ini memberikan faedah kepada ahli, pasangan, dan anak-anak mereka untuk menerima manfaat dalam kejadian yang tidak diingini seperti kematian. Sebagai contoh, jika seorang ahli menyumbang RM 20,000.00, pasangannya RM 3000.00, dan setiap anak berumur seminggu hingga 21 tahun sehingga maksimum 4 orang, mereka akan berhak menerima bayaran lump sum sebanyak RM 700.

    Aktiviti Lain Koperasi

    Selain daripada kemudahan insurans, KOPEN terlibat dalam pelbagai aktiviti lain untuk memenuhi keperluan pelbagai ahli serta menyumbang kepada kesejahteraan keseluruhan mereka. Antara aktiviti-aktiviti ini termasuklah:

    • Penyimpanan wang ahli
    • Pembiayaan peribadi
    • Pembiayaan pengguna
    • Menjadi ejen bagi Etiqa Takaful / Takaful Ikhlas
    • Perkhidmatan penyewaan bangunan/perumahan
    • Mengatur percutian di Port Dickson
    • Mengatur perjalanan Umrah/aktiviti cuti
    • Menguruskan Pasarmini Kopeniaga (Pasaran Mini Koperasi)
    • Pembekalan keperluan untuk banduan
    • Menyediakan peralatan keselamatan
    • Pembekalan peralatan telekomunikasi
    • Menyediakan pakaian seragam dan aksesori
    • Mengatur perkhemahan motivasi dan latihan
    • Menawarkan perkhidmatan katering

    Keahlian

    Pada tahun 2017, KOPEN memiliki jumlah keahlian sebanyak 8,158 individu, dengan modal keahlian yang mencapai RM 30,754,440.39 menjelang Disember pada tahun yang sama. Jumlah aset KOPEN pada Disember 2017 mencapai RM 48,085,410.81, mencerminkan kestabilan kewangan koperasi dan komitmen mereka dalam melayani ahli-ahlinya.

    Hubungi Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)

    Koperasi Jabatan Penjara Malaysia Berhad
    No. 17, Jalan Pusat Perniagaan 2
    Pusat Perniagaan Sungai Jelok
    43000 Kajang, Selangor Darul Ehsan

    Tel: 03-87415541
    Fax: 03-87416641

    E-Mail: admin@kopen.com.my






    KOPEN Personal Loan Koperasi Jabatan Penjara Malaysia Berhad

    Frequently Asked Questions (FAQ)

    Find answers to common questions in our FAQ section. Whether you need help, guidance, or quick tips, we’ve got the information you need! Browse our expert responses and get the solutions you’re looking for—fast and easy.

    Apakah produk pinjaman peribadi yang ditawarkan oleh Koperasi Jabatan Penjara Malaysia Berhad KOPEN?

    Setakat ini, produk pinjaman peribadi Koperasi Jabatan Penjara Malaysia Berhad KOPEN yang ditawarkan adalah pinjaman Bai Al-Inah dengan pembiayaan sehingga RM150k dan kadar interest hanyalah 5.90%.

    Koperasi Jabatan Penjara Malaysia Berhad (KOPEN): Ringkasan

    • Tajuk Artikel: Koperasi Jabatan Penjara Malaysia Berhad (KOPEN)
    • Kategori: #KOPEN #PinjamanPeribadi #Koperasi 
    • Tujuan: #MaklumatAm 
    • Sumber: kopen.com.my official website

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    1. https://asiaworldtour.com: “Asia World Tour: Your Gateway to Asian and World Adventures”
    2. https://personalfinancingloan.com: “Personal Financing Loan: Your Path to Financial Freedom”
    3. https://hobbyforte.com: “HobbyForte: Discover Your Car Passion, Explore Your Interests”
    4. https://reviewsanything.com: “ReviewsAnything: Your Trusted Source for Honest Gadget Reviews”
    5. https://rumahmampumilik.com: “Rumah Mampu Milik: Your Affordable Homeownership Journey Begins Here”
    6. https://malaysiadigit.com: “MalaysiaDigit: Your Digital Destination for News and Insights”
    7. https://vipmalaysia.com: “VIP Malaysia: Elevate Your Experience in Malaysia”
    8. https://nordiyana.com: “Indulge in Elegance at Nordiyana: Latest Recipe and Culinary Inspirations”
    9. https://e-penyatagaji.com: “E-Penyata Gaji: Simplifying Payroll Management for You”
    10. https://googleasia.org: “Google Asia: Explore the World and Asia’s Wonders with Google Asia”
    11. https://malaysiafit.com: “Malaysia Fit: Your Partner in Health and Wellness”
    12. https://koperasi.info: “Koperasi: Building Communities, Empowering Lives”
    13. https://recipeinside.com: “RecipeInside: Unveiling Culinary Creations, Your Guide to Delicious Dishes”
    14. https://asiahealthcenter.com: “Asia Health Center: Your Source for Holistic Wellness Solutions”
    15. https://nationalhealthcenters.com: “National Health Centers: Your Source for Vital Health Information and Community Care”
    16. https://malaysiabit.com: “MalaysiaBit: Stay Informed, Stay Connected”
    17. https://epenyatagaji.com: “E-Penyata Gaji: Your Digital Payslip Solution”
    18. https://koperasi.work: “Koperasi Work: Collaborate, Innovate, Succeed”
    19. https://koperasi.business: “Koperasi Business: Driving Entrepreneurship, Fostering Growth”
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