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Tag: KUTMB

  • Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    Pinjaman Peribadi Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    About Us

    Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) menawarkan pinjaman peribadi Al-Qard dan Al-Bainah kepada anggota dengan max Rm150,000. Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) adalah sebuah koperasi berdaftar di Malaysia dengan objektif seperti berikut:-

    • Meningkatkan jenis dan jumlah jualan barang dan perkhidmatan yang diperlukan oleh anggota, warga kampus dan masyarakat umum.
    • Meningkatkan pulangan kewangan dalam bentuk dividen, bonus, rebet dan diskaun dengan kadar yang memuaskan kepada anggota.
    • Meningkatkan faedah perlindungan kebajikan khairat/insuran secara percuma kepada anggota dan keluarga anggota.
    • Meningkatkan projek-projek pembangunan hartanah dan perniagaan bagi merangsang aktiviti ekonomi kepada koperasi dan negara.
    • Memindahkan sebahagian besar tanggungjawab universiti bagi memelihara dan meningkatkan kesejahteraan serta keharmonian staf keluarga.
    • Kini anda tidak perlu risau bagaimana nak dapatkan kenderaan untuk disewa.
    • Koop Trading menyediakan pelbagai jenis kenderaan untuk disewa pada harga yang rendah dan berbaloi!

    • Apakah itu pembiayaan peribadi Al-Qard Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)?

      Pinjaman kebajikan, atau Al-Qard merupakan pinjaman yang dikeluarkan dengan tujuan untuk memberi bantuan kewangan kepada ahli yang dalam kecemasan atau hal-hal munasabah yang boleh dipertimbangkan

    Perniagaan Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    Koop Elektromart

    PERKHIDMATAN DISEDIAKAN

    • Membekal dan menjual barangan elektrik khususnya kepada anggota Koperasi UTM Berhad. Anggota boleh membuat pembelian secara tunai atau ansuran.
    • Antara barangan elektrik yang dijual di koop elektromart ialah televisyen, penghawa dingin, mesin basuh, peti sejuk, dan lain-lain.
    • Bekalan dan barangan elektrik dijamin berkualiti dan mengikut piawaian yang telah di tetapkan.

    JENIS PERNIAGAAN

    A) TRADING

    Menawarkan perkhidmatan dan barangan pengguna kepada anggota koperasi dan pembayaran boleh dibuat secara ansuran.

    Melantik panel perniagaan di sekitar Johor Bahru bagi memenuhi keperluan dan permintaan anggota Koperasi UTM Berhad.

    Panel perniagaan yang dilantik adalah terdiri daripada beberapa jenis perniagaan

    B) INSURANS

    Menjadi agen insurans daripada syarikat Insuran Takaful Malaysia Berhad, Takaful Ikhlas Berhad dan Etiqa Insuran dan Takaful Sdn. Bhd.

    Menyediakan perkhidmatan perlindungan insuran dan takaful kepada anggota koperasi UTM Berhad.

    Antara perlindungan insuran yang ditawarkan kepada anggota adalah perlindungan kewangan, bangunan, nyawa, kenderaan dan pembiayaan trading.

    WAKTU OPERASI

    Ahad – Isnin (8.00 Pagi – 5.00 Petang)

    HUBUNGI KOOP ELEKTROMART

    LOKASI KAMI

    No. 14, Jalan Besi 2
    Taman Sri Putri
    81300 Skudai
    Johor

    TEL : 07 – 558 5719
    FAX : 07 – 557 8549
    EMAIL : elektromart@kutmb.my

    Minimart Kuala Lumpur Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    Tujuan utama Minimart Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) ini dibuka adalah bagi memenuhi keperluan pelajar dan juga staf seperti makanan dan minuman ringan, akhbar dan majalah, alatulis, kad tambah nilai prabayar dan pelbagai barangan.

    Di samping itu, minimart juga menawarkan perkhidmatan Fotocopy, binding dan juga printing dengan harga yang berpatutan.Operasi minimart kini dibuka pada hari Sabtu dan Ahad bagi memudahkan pelajar separuh masa (UTM SPACE) untuk mendapatkan keperluan mereka dan juga menggunakan perkhidmatan yang disediakan.

    Bagi staf UTM yang menjadi anggota Koperasi, terdapat pelbagai perkhidmatan yang disediakan.

    PERKHIDMATAN YANG DISEDIAKAN

    • Memperbaharui Cukai Jalan dan Insuran (Takaful)
    • Pembiayaan Peribadi & Pinjaman
    • Pembelian barangan Elektrik dan Elektronik

    WAKTU OPERASI

    Isnin – Jumaat (8.00 Pagi – 4.30 Petang)
    Sabtu (11.00 Pagi – 4.00 Petang)
    Ahad (8.00 Pagi – 1.00 Petang)

    HUBUNGI MINIMART KUALA LUMPUR

    LOKASI KAMI :

    Minimart Kuala Lumpur
    Univeristi Teknologi Malaysia
    Jalan Sultan Yahya Petra
    54100 Kuala Lumpur.
    TEL : 03 – 2615 4239
    FAX : 03 – 2692 4830

    Ar-Rahnu Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    Ar-Rahnu KONSEP

    • Al-Qardhul Hassan (Pinjaman Kebajikan)
    • Al-Wadiah Yad Dhamanah (Simpanan dengan jaminan keatas barang gadaian)
    • Al-Ujrah (Upah)

    KEISTIMEWAAN

    • Pajak gadai bebas daripada unsur riba’
    • Barang kemas disimpan dengan selamat dan diinsurankan (Takaful)
    • Semua urusan dibuat dihadapan pelanggan di bilik khas
    • Margin gadaian yang tinggi.
    • Tiada yuran proses

    SYARAT-SYARAT GADAIAN

    1. Warganegara Malaysia dan bukan warganegara berusia 18 tahun ke atas dan bermastautin tetap
    2. Bayaran balik boleh dibuat sekaligus atau ansuran.

    HAD GADAIAN

    • Ar-Rahnu maksimum RM10,000.00 sehari sehingga jumlah terkumpul maksimum RM50,000.00
    • Az-Zahab minimum RM10,001.00 sehari sehingga jumlah terkumpul maksimum RM100,000.00

    TEMPOH GADAIAN

    • Ar-Rahnu maksimum 6 bulan dengan tempoh lanjutan (boleh dirunding).
    • Az-Zahab maksimum 3 tahun jika bayaran sekaligus atau ansuran.

    WAKTU OPERASI

    Ahad – Khamis (9.00 Pagi – 5.00 Petang)

    HUBUNGI KAMI DAN LOKASI KAMI

    Ar-Rahnu X’Change
    Koperasi UTM Berhad
    No. 26, Jalan Meranti 2
    Taman Sri Pulai
    81110 Johor Bahru
    Johor

    TEL : 07-520 2909
    FAX : 07-520 2941

    EMAIL : haslinda@kutmb.my

    Pinjaman Peribadi Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    Pinjaman Peribadi Al-Qard Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    KONSEP PINJAMAN

    Pinjaman kebajikan, atau Al-Qard Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) merupakan pinjaman yang dikeluarkan dengan tujuan untuk memberi bantuan kewangan kepada ahli yang dalam kecemasan atau hal-hal munasabah yang boleh dipertimbangkan

    Maksimum pinjaman peribadi yang diluluskan adalah sebanyak RM2,000.00 yang mana pembayaran balik dibuat melalui potongan gaji sebanyak RM205.00 sebulan dan tempoh maksimum adalah 11 bulan.

    Skim pinjaman peribadi ini dilaksanakan mengikut kaedah “Qardhrul Hassan”, iaitu memberi hutang sejumlah wang tertentu dan diminta anggota membayar balik dalam tempoh tertentu dengan jumlah yang sama.
    Pinjaman kebajikan ini hanya mengenakan bayaran wang proses sebanyak RM50.00 kepada pemohon berjaya.

    SYARAT DAN KELAYAKAN

    1. Pemohon mestilah telah menjadi anggota Koperasi UTM Berhad (KUTMB).
    2. Jumlah potongan gaji anggota, termasuk potongan-potongan pinjaman peribadi terdahulu haruslah tidak melebihi 70% daripada gaji anggota.
    3. Anggota tidak boleh memohon lagi sekiranya masih mempunyai baki pinjaman peribadi (pembiayaan kebajikan). Jumlah modal syer hendaklah cukup RM1000.00.

    PROSEDUR PERMOHONAN PINJAMAN PERIBADI

    • Dapatkan borang permohonan pinjaman peribadi dari pejabat KUTMB atau muat turun di sini.
    • Isi borang permohonan pinjaman peribadi dan sertakan bersama: Salinan Kad Pengenalan pemohon, Salinan Penyata Gaji terkini pemohon (tanpa penjamin) serta dokumen-dokumen relevan seperti surat sokongan, dan sebagainya.
    • Hantar borang permohanan pinjaman peribadi dan dokumen-dokumen yang berkaitan ke pejabat KUTMB yang terdekat.

    Pembiayaan Al-Bainah Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)

    KONSEP PEMBIAYAAN

    • Pembiayaan kemudahan merupakan pinjaman peribadi yang dikeluarkan oleh Koperasi UTM Berhad Koperasi Universiti Teknologi Malaysia Berhad @ Koperasi Universiti Teknologi Malaysia Berhad (KUTMB) kepada ahli-ahli yang mencarum dengan KUTMB yang berkelayakan dengan kadar faedah yang rendah.
    • Amaun maksima pinjaman peribadi yang dibenarkan ialah RM 150,000.00
    • Kadar Keuntungan pinjaman peribadi yang dikenakan ialah 4.1% setahun
    • Pembayaran semula pinjaman peribadi dilakukan melalui potongan gaji
    • Kelayakan pembiayaan berdasarkan 8 kali caruman.
    • Tempoh maksima pembayaran pinjaman peribadi dihadkan kepada 120 bulan atau 10 tahun.

    Syarat dan Kelayakan

    1. Pemohon mestilah menjadi anggota Koperasi UTM Berhad @ Koperasi Universiti Teknologi Malaysia Berhad (KUTMB).
    2. Amaun yang dipohon haruslah tidak melebihi lapan kali daripada jumlah caruman, dan tidak boleh melebihi RM 150,000.00.
    3. Jumlah potongan gaji anggota, termasuk potongan-potongan pinjaman terdahulu haruslah tidak melebihi 60% daripada gaji anggota.
    4. Insuran akan ditolak daripada jumlah pinjaman untuk menjamin koperasi sekiranya peminjam meninggal dunia.
    5. Jumlah modal syer hendaklah cukup RM1000.00.

    Prosedur Permohonan

    • Dapatkan borang permohonan pinjaman dari pejabat KUTMB Koperasi Universiti Teknologi Malaysia Berhad atau muat turun di sini.
    • Isi borang permohonan dan sertakan bersama: Salinan Kad Pengenalan pemohon, Salinan Penyata Gaji terkini (sebulan) pemohon dan penjamin serta dokumen-dokumen relevan seperti surat sokongan, dan sebagainya.
    • Hantar borang permohanan dan dokumen-dokumen yang berkaitan ke pejabat KUTMB yang terdekat

    Koperasi Universiti Teknologi Malaysia Berhad (KUTMB)
    No. 16 A, Jalan Besi 2
    Taman Sri Putri
    81300 Skudai
    Johor
    TEL : 07 – 556 3521 / 07 – 557 4922 / 07 – 558 5719/ 07 – 554 3180
    FAX : 07 – 556 9244
    EMAIL : kutmb@utm.my

    Facebook: Koperasi UTM Berhad
    Instagram: koperasi_utm_berhad

    * sumber:kutmb.my

    Hashtag / Keywords

    #pinjamanperibadi #personalloan #pembiayaanperibadi #personalfinancing #koperasi #KoperasiUniversitiTeknologiMalaysiaBerhad #KUTMB 


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  • Personal Loan Koperasi UTM Berhad KUTMB

    Personal Loan Koperasi UTM Berhad KUTMB

    Personal Loan Koperasi UTM Berhad KUTMB

    About Us

    Apply personal loan Koperasi UTM Berhad KUTMB like Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. Download loan form here

    Mission

    To inculcate a spirit of cooperation, loyalty and responsibility among the members so as to be productive, cheerful and caring about universal life.

    Motto

    Teguh Cooperative, Prosperous Member

    Philosophy

    To purify the cooperative movement to increase the benefits to members and society based on co-operative values in accordance with Allah s.w.t’s pleasure

    All

    To make Koperasi UTM Bhd a reference co-operative.

    THE LENS

    • Increase the type and number of sales of goods and services required by members, campus residents and the general public.
    • Increase financial returns in the form of dividends, bonuses, rebates and discounts at satisfactory rates to members.
    • To increase the benefits of free khairat/insurance welfare coverage to members and their families.
    • To enhance property development and business projects to stimulate economic activities for cooperatives and the country.
    • Transferring most of the university’s responsibility to preserve and enhance the well-being and harmony of the family staff.

    Welfare & Personal Financing

    WELFARE & PERSONAL FINANCING Financial assistance is provided to co-operatives through al-Qard and At-Tawarruq loan methods.

    • What types of personal loan offered from Koperasi UTM Berhad KUTMB?

      You can apply Personal Loan Koperasi UTM Berhad KUTMB such as Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. You can also download loan application form from here.

    Al Loan Qard Koperasi UTM Berhad KUTMB

    LOAN CONCEPT

    A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad KUTMB with the aim of providing financial assistance to members in an emergency or reasonable matters that may be considered. The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.

    The maximum loan approved is RM2,000.00 (according to eligibility) for which repayment is made via salary deduction of RM181.82 per month and the maximum period is 11 months. This welfare loan only charges RM70.00 to successful applicants. Payment of process money by cash or deducted from the loan.

    TERMS AND CONDITIONS

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
    3. Members can no longer apply if they still have the balance (welfare financing).
    4. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad – KUTMB office.
    2. Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad – KUTMB office.

    Express Loan Jomduit

    FINANCING CONCEPT

    Express Loan is a personal loan issued by Koperasi UTM Berhad –  KUTMB with the aim of providing financial assistance to members who are in emergency or reasonable matters that may be considered.

    The maximum loan approved is RM1,000.00 whereby repayment is made via salary deduction of RM107.00 per month and the maximum tenure is 10 months.

    The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.

    This welfare loan only charges RM70.00 to successful applicants.

    TERMS AND CONDITIONS

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
    3. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad (KUTMB) office.
    2. Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad  (KUTMB) office.

    Download Personal Application Forms

    You can download the personal loan application forms here:-

    1. Borang permohonan menjadi ahli koperasi kutmb
    2. Borang Permohonan Pinjaman Kebajikan Al-Qard
    3. Borang Permohonan Pembiayaan Peribadi Al-Tawarruq 
    4. Borang Pinjaman Raya Tunai 

    Al Tawarruq Financing

    FINANCING CONCEPT

    Tawarruq financing is a financing issued by Koperasi UTM Berhad (KUTMB) to qualified members. Minimum allowable amount RM3,000.00 up to maximum amount of RM 150,000.00. The Profit Rate charged is 6.2% per annum (subject to change to be determined by Koperasi UTM Berhad).

    The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years

    TERMS AND CONDITIONS

    1. The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
    2. Permanent post and confirmed position
    3. The number of member salary deductions does not exceed 60% and the Debit Service Ratio (DSR) does not exceed 50%

    APPLICATION PROCEDURE

    1. Complete the application form available at Koperasi UTM Berhad (KUTMB) office.
    2. You need to submit the following documents for the financing application:
      (a) Copy of applicant and guarantor’s identity card* if available (front and back)
      (b) Latest salary slip of applicant and guarantor* if any
      (c) Other supporting documents* if required

    KUTMB (Koperasi UTM Berhad) will contact the borrower upon review by the Financing Unit for further action.

    https://kutmb.my

    Hashtag / Keywords

    #pinjamanperibadi #personalloan #pembiayaanperibadi #personalfinancing #koperasi #KoperasiUTMBerhad #KUTMB 


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  • Koperasi UTM Berhad KUTMB

    Koperasi UTM Berhad KUTMB

    Personal Loan Koperasi UTM Berhad KUTMB

    Koperasi UTM Berhad KUTMB

    About Koperasi UTM Berhad KUTMB

    Mission

    To inculcate a spirit of cooperation, loyalty and responsibility among the members so as to be productive, cheerful and caring about universal life.

    Motto

    Teguh Cooperative, Prosperous Member

    Philosophy

    To purify the cooperative movement to increase the benefits to members and society based on co-operative values in accordance with Allah s.w.t’s pleasure

    All

    To make Koperasi UTM Bhd a reference co-operative.

    THE LENS

    • Increase the type and number of sales of goods and services required by members, campus residents and the general public.
    • Increase financial returns in the form of dividends, bonuses, rebates and discounts at satisfactory rates to members.
    • To increase the benefits of free khairat/insurance welfare coverage to members and their families.
    • To enhance property development and business projects to stimulate economic activities for cooperatives and the country.
    • Transferring most of the university’s responsibility to preserve and enhance the well-being and harmony of the family staff.

    • What types of personal loan offered from Koperasi UTM Berhad KUTMB?

      You can apply Personal Loan Koperasi UTM Berhad KUTMB such as Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. You can also download loan application form from here.

    Welfare & Personal Financing

    WELFARE & PERSONAL FINANCING Financial assistance is provided to co-operatives through al-Qard and At-Tawarruq loan methods

    Al Loan Qard

    LOAN CONCEPT

    A welfare loan, or Al-Qard, is a loan issued by Koperasi UTM Berhad KUTMB with the aim of providing financial assistance to members in an emergency or reasonable matters that may be considered. The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.

    The maximum loan approved is RM2,000.00 (according to eligibility) for which repayment is made via salary deduction of RM181.82 per month and the maximum period is 11 months. This welfare loan only charges RM70.00 to successful applicants. Payment of process money by cash or deducted from the loan.

    TERMS AND CONDITIONS

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 60% of the member’s salary.
    3. Members can no longer apply if they still have the balance (welfare financing).
    4. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad – KUTMB office.
    2. Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad – KUTMB office.

    Express Loan Jomduit

    FINANCING CONCEPT

    Express Loan is a personal loan issued by Koperasi UTM Berhad –  KUTMB with the aim of providing financial assistance to members who are in emergency or reasonable matters that may be considered.

    The maximum loan approved is RM1,000.00 whereby repayment is made via salary deduction of RM107.00 per month and the maximum tenure is 10 months.

    The scheme is implemented in accordance with the”Qardhrul Hassan”method, which is to pay a certain amount of money and the member is required to repay within a certain period of the same amount.

    This welfare loan only charges RM70.00 to successful applicants.

    TERMS AND CONDITIONS

    1. The applicant must be a member of Koperasi UTM Berhad (KUTMB).
    2. The number of member salary deductions, including previous loan deductions must not exceed 70% of the member’s salary.
    3. The total share capital must be rm1000.00.

    APPLICATION PROCEDURE

    1. Obtain the loan application form from Koperasi UTM Berhad (KUTMB) office.
    2. Fill in the application form and attach it together: A copy of the applicant’s Identity Card, a copy of the applicant’s latest Salary Statement (without guarantor) and relevant documents such as supporting letter, etc.
    3. Submit the application form and related documents to the nearest Koperasi UTM Berhad  (KUTMB) office.

    Al Tawarruq Financing

    FINANCING CONCEPT

    Tawarruq financing is a financing issued by Koperasi UTM Berhad (KUTMB) to qualified members. Minimum allowable amount RM3,000.00 up to maximum amount of RM 150,000.00. The Profit Rate charged is 6.2% per annum (subject to change to be determined by Koperasi UTM Berhad).

    The original payment was made through a salary deduction. Maximum period of payment is limited to 120 months or 10 years

    TERMS AND CONDITIONS

    1. The applicant is a member of Koperasi UTM Berhad and has a prescribed number of shares (RM1,000.00)
    2. Permanent post and confirmed position
    3. The number of member salary deductions does not exceed 60% and the Debit Service Ratio (DSR) does not exceed 50%

    APPLICATION PROCEDURE

    1. Complete the application form available at Koperasi UTM Berhad (KUTMB) office.
    2. You need to submit the following documents for the financing application:
      (a) Copy of applicant and guarantor’s identity card* if available (front and back)
      (b) Latest salary slip of applicant and guarantor* if any
      (c) Other supporting documents* if required

    KUTMB (Koperasi UTM Berhad) will contact the borrower upon review by the Financing Unit for further action.

    Lorem

     lorem

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    Hashtag / Keywords

     #pinjamanperibadi #personalloan #pembiayaanperibadi #personalfinancing #koperasi #KoperasiUTMBerhad #KUTMB 

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    Personal Loan Koperasi UTM Berhad KUTMB Reviews

    Customer Reviews about Koperasi UTM Berhad KUTMB

    Personal Financing Loan

    Apply personal loan Koperasi UTM Berhad KUTMB like Welfare Financing, Al Loan Qard, Express Loan Jomduit and Al-Tawarruq financing. Download loan form here

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    Contact Personal Loan Koperasi UTM Berhad KUTMB



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