ABOUT KOSIMPANAN


KOPERASI SIMPANAN DAN KREDIT BERSATU MALAYSIA BERHAD (KoSimpanan) is registered on 10 August 2005 under the Co-Operatives Societies Act 1993, initially under the name of KOPERASI PENGGUNA-PENGGUNA INSTITUSI KEWANGAN BERHAD.

On 12 April 2009, the Co-operative’s name has been changed to KOPERASI HIDAYAH MALAYSIA BERHAD. Subsequently, the Co-operative’s name has further changed to KOPERASI SIMPANAN DAN KREDIT BERSATU MALAYSIA BERHAD on 15 February 2012.

The main functions of KoSimpanan are to provide financial-related services to its members, which include, but not limited to, Shariah-Compliant Personal Financing scheme and Ar-Rahnu financing. As mentioned, KoSimpanan is the first (“non-bank”) co-operative to receive approval from SKM to accept deposit-taking from its members. KoSimpanan is under the purview of SKM and thus all its financing and deposit taking activities are managed and within the ambit of SKM’s Guidelines and regulated by SKM.

Malaysia Co-operative Societies Commission of Malaysia (SKM) is an agency under the custody of Ministry of Entrepreneur Development and Cooperatives (MEDAC). SKM is assigned to guide and develop the cooperative movement.



ABOUT SKM MEDAC

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Prospectus
SKM Approval Letter
Shariah Compliant Certificate
Cooperative Registration Certificate
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FINANCIAL PLANNING

Financial literacy and planning plays a major role for a quality life. Start with small steps today with our deposit scheme. Keep saving to grow financially.
Let’s experience our low risk and high HIBAH record deposit scheme!

WHY CHOOSE US?

Deposit scheme approved by government agency
Solely offer to KoSimpanan members
Deposit collected SOLELY finance to Government Servant
Secure financing repayment

Our Board of Directors

Vacant
DATUK TEE GUAN PIAN PJN
DATUK TEE GUAN PIAN (“Datuk Tee”) is the Group Managing Partner of UHY in Malaysia. Datuk Tee has 28 years of professional audit, assurance, corporate finance and insolvency experience, which includes 5 years as a bank examiner with the Central Bank of Malaysia, inspecting financial institutions under the purview of the Central Bank and administered assessments on the soundness and solvency of such financial institutions. Datuk Tee moved on to public practice and was partner of Morison AAC & Co. for 14 years.

Datuk Tee joined UHY in 2008 and currently leads the assurance, advisory and insolvency practices of the Kuala Lumpur (KL) office. The advisory services in the KL office include major client engagements that involve merges and acquisitions, public listing on the Securities Exchange and corporate exercises. Professional assignments that are personally led by Datuk Tee include bank appointed Receiver & Manager (R&M) assignments, debt restructuring of distressed companies, and forensic audits.

In June 2015, Datuk Tee was conferred the Panglima Jasa Negara (PJN) by the Yang di-Pertuan Agong (King) of Malaysia, that carries the title of “Datuk” for the contribution to the community and the accounting profession.

Datuk Tee is also the Executive Vice President of Malaysia-Guangdong Chamber of Investment Promotion, the Vice President of Council of Federal Datuks Malaysia and a Member of Tsinghua University Alumni, Malaysia Chapter.
ZULKHARNAIN BIN A. RAHIM
ZULKHARNAIN BIN A. RAHIM (“En. Zulkharnain”), was appointed as Deputy Chairman II of KoSimpanan since December 2016. En. Zulkharnain is also the Group Managing Director of UHY Advisory (KL) Sdn Bhd. UHY Advisory is licensed to carry on the regulated activity of advising on corporate finance pursuant to the CMSA 2007. En Zulkharnain also holds the Capital Markets Services Representative’s Licenses to carry on the regulated activity of advising on corporate finance pursuant to CMSA 2007.

En. Zulkharnain was formerly a bank examiner with Bank Negara Malaysia for five (5) years. Prior to joining UHY Advisory, he was one of the Executive Directors of Anuarul Azizan Chew Corporate Advisory Sdn Bhd for ten (10) years and was also one of the Director-in-charge of the Corporate Finance and Advisory Department.

En. Zulkharnain has particular experience in handling human resource planning and training, team management, supervisory and review of consulting jobs for private and public companies with businesses in property development, financial institution, manufacturing, shipping and plantation. He is also actively in giving advice for recovery and restructuring assignments to financial institutions and the clients.
LIM SHE POH
LIM SHE POH (“Ms. Beryl Lim”), is a Fellow Member of the Association of Chartered Accountants (FCCA) and Member of the Malaysian Institute of Accountants (MIA).

Ms. Beryl Lim is currently the Executive Director of Distressed Assets Advisory and Management of UHY Group of Companies, and has been with UHY for 15 years. Previously, she was a Senior Consultant of Corporate Finance and Advisory Department of Anuarul Azizan Chew Consulting Sdn Bhd (“AACC”) for 2 years. Prior to joining AACC, she worked as an external auditor in few medium sized firms.

During her employment as an external auditor, she supervises and conduct audit of private and public listed companies, co-operatives with businesses engaged in finance company, property development and manufacturing. Her auditing experience covered various sectors which comprises financing and banking, manufacturing, trading, servicing, investment holding, property development, construction, statutory bodies and etc.
LIM BEE PENG
Lim Bee Peng (“Ms. Michelle Lim”) has been appointed as a Director of KoSimpanan since Dec 2013. Ms. Michelle Lim CA (M), FCCA is the Partner and Chief Financial Officer of UHY. She is a Fellow Member of the Association of Chartered Certified Accountants (ACCA) and Malaysian Institute of Accountants (MIA).

She has more than 20 years of professional experience. She has led assignments in a wide range of companies, from small scale local entrepreneurial organizations to large scale international trading and manufacturing companies, as well as companies listed on Bursa Malaysia. She also assists clients with corporate advisory matters such as public company flotation, mergers and acquisitions, due diligence reviews and corporate restructuring.
KONG FECK KEAT
Kong Feck Keat, is appointed as Board Member/ Director of KoSimpanan since Dec 2013. Mr. Kong is also the Head of Corporate Advisory/ Non-Executive Director of UHY Advisory (KL) Sdn Bhd). He is a Fellow Member of the Association of Chartered Certified Accountants (ACCA) and a Member of the Malaysian Institute of Accountants (MIA).

Mr. Kong has over a decade’s professional experience in debt restructuring, corporate restructuring of distressed listed companies, initial public offerings as well as bond issues. He has been involved in professional work of sectors such as financing and banking, manufacturing, trading, servicing, investment holding, property development, construction, plantation and statutory bodies.

OUR KEY MANAGEMENT TEAM

HELMI HARUNA RASHID
HELMI HARUNA RASHID (“En. Helmi”) joined KoSimpanan in April 2021. En. Helmi was formerly a senior banker and his last stint as a banker was as General Manager of Wholesale Banking for Bank Nizwa in Oman.

En. Helmi has 25 years of experience in banking which includes 10 years of working outside Malaysia i.e. in Bahrayn, Oman and Luxembourg. Prior to working overseas, En. Helmi was at Bank Muamalat Malaysia Berhad, Standard Chartered Malaysia Berhad, CIMB Bank Berhad and a 7-year stint at the Central Bank of Malaysia.

En. Helmi holds a degree in Economics (Hons) from the University of Manchester, UK.
YAP HEE HING
YAP HEE HENG (“Steven Yap”) joined Kosimpanan in April 2021. Mr. Steven Yap play an important role in the deposit taking scheme of KoSimpanan.

Mr. Steven Yap has more than 20 years’ experience in business development, corporate advisory and public relation sector of PLCs companies.

Mr. Steven Yap holds a Higher Diploma in Sales and Marketing.
INTRODUCTION

ABOUT MAMASAVINGS


MamaSavings Deposit Scheme is a Shariah-compliant deposit account offering safety to your savings, whilst at the same time, you can receive exceptional HIBAH rates from the KoSimpanan.

The Deposit Scheme has been approved by Suruhanjaya Koperasi Malaysia (“SKM”) via its letter dated 27 June 2012.

The Deposit Scheme is also designed to be in full compliance with SKM’s Guidelines GP9 – Garis Panduan Mengenai Pengambilan Simpanan Khas Dan Deposit Atau Penerimaan Pinjaman (“Recruitment of Special Savings & Loan Deposit Receipt”) and shall use the Shariah principles of Al-Wadiah Yad Dhamanah.

The Deposit Scheme is SOLELY used to provide Shariah-compliant Personal Financing facility to KoSimpanan member(s) who are Government Servant under the PapaFinancing Shariah-compliant Financing Facility of which the repayment is salary deduction through Biro Perkhidmatan Angkasa (BPA).

A Prospectus is required to be issued to the members in relation to the Deposit Scheme.



APPLY NOW

Frequently Ask Question



Answer
MamaSavings Deposit Scheme is a Shariah-compliant deposit account offering safety to your savings, whilst at the same time, you can receive exceptional HIBAH rates from the KoSimpanan.
Answer
Members can forward their application via mail/email/walk in to Koperasi head office at the Gardens South Tower, Mid Valley City.
*(Terms and conditions applied).
Answer
*Our track record paid up to 9% Hibah.
Answer
All members of Koperasi Simpanan Dan Kredit Bersatu Malaysia Berhad.
Answer
*A minimum of RM5,000 is required to join the Deposit scheme.
Answer
The Deposit Scheme has been approved by Suruhanjaya Koperasi Malaysia (“SKM”) via its letter dated 27 June 2012.
Answer
The Deposit Scheme is SOLELY used to provide Shariah-compliant Personal Financing facility to KoSimpanan member(s) who are Government Servant of which the repayment is salary deduction through Biro Perkhidmatan Angkasa (BPA).
Answer
Yes, the Depositors can withdraw their investment deposit before maturity subject to the premature withdrawal policy applied, partial withdrawal is not acceptable.

Contact Us

Koperasi Simpanan Dan Kredit Bersatu Malaysia Berhad (W-6-0367)

Office Location

Suite 10.02, Level 10,
The Gardens South Tower,
Mid Valley City, Lingkaran Syed Putra,
59200 Kuala Lumpur, Malaysia.

Contact Number

Office Tel : +603 2298 0242

Whatsapp : +6012 379 3099

Fax Number

+603 2298 0268

For enquiries, please email to

mamasavings@kosimpanan.my

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