What We Do
KOPRIMAS offers a range of services including flexible loans, fair retail trading, franchise development, and Shariah-compliant financial solutions. We are committed to empowering communities, ensuring fair practices, and promoting sustainable growth.
Types of services offered:
Loans to Private & Public Sector
- Various types of loans to suit financing needs.
- Competitive rates.
- Repayment via salary deduction.
- Shariah compliant.
Trading goods to retail sector
KOPRIMAS enables people to access goods and services without exploitation by creating a fair and transparent supply chain. In the retail trade of mutton, KOPRIMAS purchases directly from farms or wholesalers and sells to retailers, ensuring fair pricing and ethical practices. This approach aligns economic, social, and environmental interests, supporting the community’s needs and aspirations while promoting triple bottom line sustainability.
Franchise
KOPRIMAS is currently exploring the acquisition of several fast-food franchises as part of its growth strategy. By leveraging the cooperative model, KOPRIMAS can utilise buying groups to collectively purchase products, marketing services, insurance, and other necessary goods or services for the franchise operations. This approach allows us to benefit from economies of scale, reducing costs, and increasing purchasing power.
By structuring these buying groups properly, we can support and sustain the growth of our business while aligning with its economic, social, and environmental goals.
Ar-Rahnu: Islamic Pawnbroking
As part of our commitment to community services, KOPRIMAS is in discussions with Suruhanjaya Koperasi Malaysia and several banks to offer Al-Rahnu services. This Shariah-compliant micro-financing option is designed to empower individuals who are unbankable by providing interest-free (riba-free) loans. Under Al Rahnu, borrowers can secure their loans by pledging gold as collateral, ensuring a transparent and ethical financial transaction free from uncertainties (gharar), gambling, and exploitation. Borrowers are expected to repay the loan by the maturity date, at which point the collateral is returned. If repayment is not made, the lender is entitled to recover the loan from the collateral, with any surplus returned to the borrower.
Advantages of KOPRIMAS
Fast processing turnaround of approximately 1 week for loans.
Allows deduction of up to 60% of gross salary.
Allows a longer repayment period, as required by borrower – maximum tenure is 10 years.
Provides attractive interest rates for savings. The interest rate tiers based on tenure.
Time Deposit
*Subject to change without notice| Period | 12 months | 24 months | 36 months | 48 months | 60 months |
|---|---|---|---|---|---|
| Tenure | 6% | 7% | 8% | 9% | 10% |
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