Financial Services

• Open to members and non-members
• Aged 18 years old and above
• Open to all eligible Malaysian citizens and foreign passport holders
• Present yourself and bring a photo of identification
• Gold collateral only with ownership of the applicant
• In good behaviours and conduct. Not involved in any drug addictions or intoxications during the transaction
• Address and the latest information

• Fast, easy, and safe
• Free from CCRIS & CTOS
• Zero-interest (Riba)
• No processing fee
• 12-month financing period
• Accept various quality types and shapes of gold
• Accept loan repayment by installment
• Excess sell-offs will be returned

• The borrower is allowed to deposit the same collateral provided that the previous financing conditions and repayment interest (Upah Simpan) are settled per new financing terms. The amount of new financing depends on the current Marhun price.
• Or reduce/increase the number of collateral items then redemption needs to be done and the borrower has to carry out the loan again

• Up to 70% financing margin from the gold value
• • The total accumulated financing for a debtor/borrower does not exceed RM50,000.00 to RM150,000.00 (the maximum amount depends on the branch category)
• • The daily financing limit does not exceed RM20,000.00 to RM50,000.00 (the maximum amount depends on the branch category)

• The repayment rates are calculated based on the Marhun value and the period of the number of months the collateral is redeemed.
• The minimum repayment interest rate equivalent to the half-month rate will be charged on collateral redeemed within 15 days.
• Repayment interest rates are as follows: –

SAR PASIR TUMBOH

1 Lot 8039, Islamic Satellite City,
Pasir Tumboh, Jalan Pasir Puteh,
16150 Kota Bharu, Kelantan

09-7644843

abgpasirtumboh@koopsahabat.my

Google Maps: SAR Sand Growing

SAR JERTIH

PT327, Jalan Haji Jusoh,
22000 Jertih,
Terengganu.

09-6904699

abgjertih@koopsahabat.my

Google Maps: SAR Jertih

SAR GONG BADAK

Austin Square, Lot PT 35460,
Austin Square Ground Floor,
Wakaf Tembusu, 21200 Kuala Terengganu, Terengganu.

09-6623357

abggongbadak@koopsahabat.my

Google Maps: SAR Gong Badak

SAR KEMAMAN

Lot 21874, Ground Floor Railing
Chukai Utama 1, Jalan Chukai Utama,
24000 Chukai, Terengganu.

09-8582608

abgkemaman@koopsahabat.my

Google Maps: SAR Kemaman

SAR MERU

No.59, Ground Floor,
Jalan Besar/KU8,
41050 Meru,
Selangor.

03-33938526

abgmeru@koopsahabat.my

Google Maps: SAR Meru

SAR MENTAKAB

No.43, Jalan Temerloh,
28400 Mentakab,
Pahang.

09-2709500

abgmentakab@koopsahabat.my

Google Maps: SAR Mentakab

SAR SHAH ALAM

No.11, Jalan Singa 20/C,
Section 20,
40300 Shah Alam,
Selangor.

03-55410211

abgshahalam@koopsahabat.my

Google Maps: SAR Shah Alam

SAR MANJUNG

No.21A, Persiaran PM 3/2,
Seri Manjung City Center,
Section 3,32040 Seri Manjung,
Perak.

05-6893186

abgmanjung@koopsahabat.my

Google Maps: SAR Manjung

SAR TELUK INTAN

S-24-G, Ground Floor,
Teluk Intan Central Commercial Center, 36000 Teluk Intan,
Perak.

05-6205021

abgtelukintan@koopsahabat.my

Google Maps: SAR Teluk Intan

SAR PENG.CHEPA

No.1781, PKINK Shop House,
Market Branch 3, Pengkalan
Chepa, 15400 Kota Bharu,
Kelantan.

09-7730245

abgpengkalanchepa@koopsahabat.my

Google Maps: SAR Pengkalan Chepa

SAR KUANTAN

B-304 Ground Floor,
Jalan Beserah,
25300 Kuantan.

09-5600748

abgkuantan@koopsahabat.my

Google Maps: SAR Kuantan

SAR SUNGAI BESAR

No.28, Ground Floor,
Jalan Bunga Loceng Kuning,
45300 Sungai Besar,
Selangor.

03-32241918

abgsungaibesar@koopsahabat.my

Google Maps: SAR Sungai Besar

SAR BANTING

No.53, Ground Floor,
Jalan Sultan Alam Shah,
Bandar Banting,
42700 Banting,
Selangor.

03-31801077

abgbanting@koopsahabat.my

Google Maps: SAR Banting

SAR JITRA

No.19, Ground Floor,
Jalan KPJ 2/1,
Jitra Business Complex 2,
06000 Jitra, Kedah.

04-9163541

abgjitra@koopsahabat.my

Google Maps: SAR Jitra

SAR ALOR SETAR

No.38, Ground Floor, Jalan PSK 1,
Pekan Simpang Kuala,
05400 Alor Setar, Kedah.

04-7715962

abgalorsetar@koopsahabat.my

Google Maps: SAR Alor Setar

SAR BATANG KALI

No.6, Ground Floor, Oasis Street Mall,
Section 4, Main City,
44300 Batang Kali,
Hulu Selangor, Selangor.

014-6044733

abgbatangkali@koopsahabat.my

Google Maps: SAR Batang Kali

SAR PORT DICKSON

No. 4 Ground Floor,
Jalan Pusat Perniagaan Impian,
Dream Business Center,
71000 Port Dickson,
Negeri Sembilan.

014-6044732

sarportdickson@koopsahabat.my

Google Maps: SAR Port Dickson

SAR AYER KEROH

No. 15, Ground Floor,
Commercial Street, MITC City,
Hang Tuah Jaya,
75450 Ayer Keroh, Melaka

06-2311500

sarayerkeroh@koopsahabat.my

Google Maps: SAR Ayer Keroh

SAR SETIU

Lot 51162, Ground Floor,
Taman Tarom Permai,
22100 Bandar Permaisuri, Setiu
Terengganu Darul Iman

09-6091773

sarsetiu@koopsahabat.my

Google Maps: SAR Setiu

Koperasi Sahabat Amanah Ikhtiar Malaysia Berhad (Koop Sahabat) has approved the i – Lestari financing product to assist Members  solve financial problems. This product is a personal financing without  collateral offered to eligible members.

Concept

• This product is a Shariah-compliant personal financing product based on the Tawarruq concept

Features – Features

• Maximum amount of financing up to RM300,000.00 subject to eligibility.
• Financing period up to 10 years.
• The profit rate is calculated based on a fixed rate.

• 7.00% (for 1 to 3 years of application)
• 8.00% (for 4 to 10 years of application)

• Member of Koop Sahabat.
• Minimum share RM1,000.00
• Minimum age of 18 years and maximum 75 years at the end of the financing period.
• Free from CCRISS & CTOS blacklist.
• Existing financing payment rates and fixed expenses do not exceed 50% of salary.
• Attendance record at MP (AIM) is over 70%.
• 2 guarantors (1 government employee + 1 fixed income family member).

Koperasi Sahabat Amanah Ikhtiar Malaysia Berhad (Koop Sahabat) has approved the i – Lestari Plus financing product to alleviate the burden of members who are experiencing declining income sources and to assist members who are experiencing short – term financial difficulties.

Concept

• This product is a Shariah-compliant personal financing product based on the Tawarruq concept

Features – Features

• Maximum amount of financing up to RM5,000.00 subject to eligibility.
• Financing period up to 3 years.
• The profit rate is calculated based on a fixed rate.

• 5.00% (Annual)

• Member of Koop Sahabat.
• Minimum shares of RM1,000.00 (depending on the amount of financing).
• Minimum age of 18 years and maximum 75 years at the end of the financing period.
• Existing financing payment rates and fixed expenses do not exceed 50% of income.
• Attendance record at MP (AIM) is over 70%.

Koperasi Sahabat Amanah Ikhtiar Malaysia Berhad (Koop Sahabat) has approved a revolving credit financing product for Subsidiaries under the auspices of Koop Sahabat. This product aims to assist Subsidiaries to obtain working capital and finance projects carried out.

Concept

• This product is a Shariah-compliant personal financing product based on the Tawarruq concept

Features – Features

• The maximum amount of funding is subject to eligibility.
• Financing period up to 365 days.
• The profit rate is calculated based on a fixed rate.

• 5.00% (Annual)

• Subsidiary of Koop Sahabat.
• The company has a good financial performance.
• Have a viable project.

Koperasi Sahabat Amanah Ikhtiar Malaysia Berhad (Koop Sahabat) has approved the financing product “ School Time ” to help members prepare children for school sessions.

Application Validity Period

15 December 2020 to 15 April 2021.

Concept

• This product is a Shariah-compliant personal financing product based on the Tawarruq concept

Features – Features

• The total financing is RM500 or RM1,000.
• Financing period up to 1 year.
• The profit rate is calculated based on a fixed rate.

• 5.00% (Annual)

• Member of Koop Sahabat.
• Minimum shares of RM1,000.00 (depending on the amount of financing).
• Minimum age of 18 years and maximum 75 years at the end of the financing period.
• Existing financing payment rates and fixed expenses do not exceed 50% of income.
• Attendance record at MP (AIM) is over 70%.