Personal Loan COOPUSMA Koperasi Warga USM Kelantan Berhad

Koperasi Warga USM Kelantan Berhad COOPUSMA

About Us

Koperasi Warga USM Kelantan Berhad COOPUSMA offers personal loans with interest as low as 4% and max financing of RM100,000. 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, COOPUSMA was registered as Koperasi Kakitangan Universiti Sains Malaysia (USM) and changed its name to Koperasi Warga USM Kelantan Berhad in 2002.

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.

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.


“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”


“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.”

  • What is the interest rate for this Koperasi Warga USM COOPUSMA personal loan?

    The interest rate for the personal financing of Koperasi Warga USM COOPUSMA is only 4% until the 5th year (flat rate) while 6% is financing up to a maximum period of 10 years (flat rate). Apply for your personal financing now here.

Services Offered by Koperasi Warga USM Kelantan Berhad

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)
  • Farmasi Lestari Sdn. Bhd (Wholly Owned Subsidiary of COOPUSMA)
  • Telipot Medical Center (TMC) Sdn. Bhd. (51% owned by COOPUSMA)
  • Capital Investment
  • Nephrolife Dialysis Center (Capital Investment 49% cooperatives 51% individuals)

Personal Loan Package

Koperasi Warga USM Kelantan Berhad COOPUSMA provides the best personal loan package for members to apply. The following terms and conditions are as follows:-

  • The maximum loan is RM 100 thousand
  • For loans up to 5 years – 4% per annum
  • Over 5 years up to 10 years – 6% per annum

Personal Financing Schedule


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 usm

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