Members, shares, savings and salary-deduction financing in one bilingual platform — from online sign-up and eligibility to loan approval and monthly collection.
Members join online and build shares and savings; the koperasi lends against salary with a proper eligibility check; and every ringgit is collected by monthly deduction and reconciled — across one cooperative or many.
Guided online sign-up, then a full member record with shares (syer), savings (simpanan), nominee and statements.
Loan calculator, DSR eligibility, application and approval — then monthly salary-deduction collection and overdue tracking.
A super-admin tier runs multiple cooperatives as isolated tenants, with shared product templates and system reports.
The features you'd expect — and the local details most systems skip.
Five guided steps — personal, employment, shares & nominee, documents, review — as self sign-up or entered by an admin.
Live monthly instalment and repayment schedule, with a DSR check that returns the maximum eligible amount.
Application → guarantor → review → approve or reject, with modals, statuses and audit at every step.
Monthly deduction runs in the Angkasa / BPA style, with collection rate, arrears and reconciliation.
Printable shares, savings and financing statements per member — and executive summaries for the board.
Cooperatives, administrators and product templates managed centrally, with a full audit log.
Bilingual Bahasa Malaysia and English, salary-deduction financing, syariah-based loan products and the member-account model Malaysian cooperatives actually run.
Repayment by monthly potongan gaji, modelled on the Angkasa / BPA flow members expect.
Bahasa Malaysia primary with English sub-labels across every portal and statement.
Product templates for BBA goods, personal, vehicle, education and fast-cash financing.
Berhad registration, NRIC-identified members, shares, savings and guarantors — the way JPK expects.
Book a walkthrough and we'll show you the real system with sample data — members, financing and collection — not a slide deck.