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Our Benefits

Access to Financial Products and Services

KSMB offers a range of financial products and services, including savings accounts, loans, insurance, and business solutions. As a member, you will have access to these products and services at competitive rates and with customized terms to suit your needs.

Dividends

KOPSETIA is a cooperative society, which means that it is owned and governed by its members. As a member, you are entitled to a share of the profits generated by the cooperative in the form of dividends. The amount of dividends you receive will depend on the amount of business you conduct with the cooperative.

No Limit on KOPSETIA Share Ownership

There is no limit on the amount of KSMB shares you can own. This means that you can invest in the cooperative by purchasing as many shares as you want, allowing you to earn more dividends and potentially increase your profits.

Personal Financing Without Collateral

As KOPSETIA members, you are entitled for personal financing without the need for collateral. This means that as a member of KOPSETIA, you can apply for a personal loan based on your creditworthiness, without having to provide any form of collateral such as property or assets.

Facilitate in Name Tansfer of Heirs

The ease of transferring membership to your heirs is another valuable benefit of being a member of KSMB. It provides members with peace of mind knowing that their loved ones can continue to benefit from their membership and ensures that their legacy lives on even after they've passed away.

Syariah Compliant Investment

Our Investment portfolio are in accordance with Islamic principles and guidelines. This means that these investments adhere to the rules and principles of Islamic finance, including the prohibition of interest-based transactions (riba) and investments in certain industries such as alcohol, gambling, and tobacco.

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