Kopsya Pembentangan Map 2014

8/20/2019 Kopsya Pembentangan Map 2014

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MEMPERKASAGERAKAN KOPERASI

Koperasi Pembiayaan Syariah Angkasa Berhad

Tuesday, 27 May, 2014


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VISI KOPSYA

Koperasi Menengah Kewangan Nasional

Yang Memacu Kemajuan

Gerakan Koperasi Dan Negara



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MISI KOPSYA

Menggarap potensi kapasiti Besar melalui

Permodalan Bersama Gerakan Koperasi yang efisyen

serta akses kepada Pasaran Kewangan

Menggerakkan dinamika sumber manusia yang ‘alimdan pakar, berketrampilan lagi penuh tanggungjawab

dengan nilai insaniah yang bermotivasikan keredaan

Ilahi

Mentauliahkan organisasi yang lestari dengan sistemteknologi yang terkehadapan, berkembang dengan

tuntutan Maqasid Shariah serta penawaran produk

dan khidmat untuk kesejahteraan anggotaTuesday, 27 May, 2014


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PERUMAHANMusyarakah

Mutanaqisah

Al-RahnProjek

Kluster

4

Al-TijariPembiayaan

Projek

DEPOSITWadi’ah, Mudharabah,

Wakalah

KEPERLUAN

KONSUMER & PERIBADI

Al-Tawarruq

PROJEK KOPSYA

(MUSYARAKAH)PROJEK KOPSYA

(UNIT/BAHAGIAN)

MODEL BISNES & PERKHIDMATAN

Anggota

Koperasi

KOPERASI

ANGGOTA


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PROGRAM

MUSHARAKAH

PELABURAN

KOOP/ANGGOTA

LAIN-LAIN

PEMBIAYAAN

AM

SIMPANAN

KOOP/ANGGOTA SAHAM

PENDIDIKAN

HAJJ-UMRAH

KESIHATAN

HARTANAH

SKIM BIAYA

INSTITUSI

KEWANGAN

KOPERASI

MUDHARABAHMUSHARAKAH

AL-WAFI

TATHMIR

TMP

INSTITUSI

KEWANGAN*

PASARAN

INSTITUSI

PELABURAN

KOPERASI

KERAJAAN

PASARAN*

UNTUNG

TERKUMPUL

*Dengan Izin SKM

WAKALAH


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PROJEK

PUSAT NIAGA& KHIDMAT

PERKONGSIANKEUNTUNGAN

INFAQ &WAQF

SISTEM

MANFAAT KEANGGOTAAN KOPSYA

KOPER SI


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KEANGGOTAAN KOPSYA MENGIKUT NEGERI

BERBANDING KEAHLIAN ANGKASA (APRIL 2014)

NO. NEGERI

KEANGGOTAAN

% ANGKASA KOPSYA

(SEDIA ADA)

KOPSYA

(BARU)

KOPSYA

(TERKINI)

1 SELANGOR 546 74 1 75 13.74

2 WILAYAHPERSEKUTUAN

433 69 2 71

16.40

3 PERAK 664 47 - 47 7.10

4 NEGERI SEMBILAN 331 36 - 36 10.88

5 MELAKA 227 19 - 19

8.40

6

PAHANG ZON1 237

PAHANG ZON2 279 66 2 68 10.68

PAHANG ZON3 121

7 TERENGGANU 333 26 - 26 7.80

8 KELANTAN 364 28 1 29 8.00

9 KEDAH 340 38 1 39 11.4710 PERLIS 99 17 - 17 17.17

11 JOHOR 539 34 1 35 6.49

12 PULAU PINANG 355 16 - 16 4.50

13 SABAH 308 20 - 20 6.50

14 SARAWAK 327 26 - 26 8.00

JUMLAH 5503 516 8 524 9.52 Tuesday, 27 May, 2014


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KOPSYA : KEANGGOTAAN

FUNGSI KOOPKREDIT 129

KONSUMER - DEWASA 104

KONSUMER - SEKOLAH 61

PERTANIAN 71

PERUMAHAN 24

PERKHIDMATAN 99

PENGANGKUTAN 24INDUSTRI 5

PEMBINAAN 7

22 APRIL 2014 - JUMLAH 524Tuesday, 27 May, 2014


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AKAUN UNTUNG RUGI BAGI TAHUN BERAKHIR 31 DISEMBER 2012 / 2013

2012 2013

RM RM Varians

Pendapatan dari AktivitiPembiayaan 35,356 550,932 515,576 + ve

Pelaburan 5,668 685,587 679,919 + ve

Pelbagai 28,500 71,799 43,299 + ve

Jumlah Pendapatan 69,524 1,308,318 1,238,794 + ve

Tolak : Perbelanjaan

Perbelanjaan Pentadbiran* 1,946,838 1,953,615 6,778 - ve

Perbelanjaan Kewangan - 230,099 230,099

Perbelanjaan ALK & AJK 127,515 81,225 (46,290) + ve

Jumlah Perbelanjaan 2,074,352 2,264,939 190,586 - ve

Keuntun an/ Keru ian bersih O erasi 2 004 828 (956,620) 1,048,208 + ve

Perbelan aan Pra O erasi 842 024 -

Kum Wan Rizab Statutori 15% - -

Peruntukan Wan Penebusan Saham - -

Keuntungan/(Kerugian) Terkumpul 0.00 (2,846,852)Keuntungan Boleh Di agih -

Dividen dan Lain-lain (4%) -

Keuntungan/ (Kerugian) bersih b/h (2,846,852) (3,803,473)

Perbelanjaan Pentadbiran: 2013

Konvensyen 105,472.30

120,000.00Pulangan Wadi'ah & Mudharabah 142,803.72

CHANGE

Sewa kepada ANGKASA

KOPERASI PEMBIAYAAN SYARIAH ANGKASA BERHAD


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KOPERASI PEMBIAYAAN SYARIAH ANGKASA BERHAD

KUNCI KIRA-KIRA PERBANDINGAN : 31 DIS 2013 / 31 MAC 2014

DIS 2013 MAC 2014 CHANGE

RM RM %

Aset Tetap 512,700 599,896 17.01%

Aset Semasa 38,557,633 48,248,990 25.13%Liabiliti Semasa 20,631,252 22,325,718 8.21%

Aset Semasa Bersih 17,926,381 25,923,272 44.61%

18,439,081 26,523,168 43.84%

Dibiayai Oleh :

Kumpulan Wang Anggota 18,277,124 26,372,085 44.29%

Liabiliti Jangka Panjang 161,957 151,083

18,439,081 26,523,168 43.84%


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PENYATA PENDAPATAN KOPSYA - TAHUN SEMASA 2014

Perolehan (Jan – Mac 2014) : 594,352Anggaran Belanjawan : 1,130,711

Varians - Unfavourable : 536,358

Perbelanjaan : 594,352 Anggaran Belanjawan : 793,520

Varians - Favourable : 214,758

Keuntungan : 15,590 Anggaran : 337,190

Varians – Unfavourable : 321,600


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Pendapatan 4,522,845 7,062,625

Perbelanjaan 3,174,083 3,255,170

Untung / (Rugi) Operasi 1,348,762 3,807,456

KW Rezab Stat (15%) (202,314) (571,118)

1,146,448 3,236,337

Dividen Interim 875,000 1,200,000

Dana Kebajikan 100,000 100,000

Baki 171,448 1,936,337

Untung/(Rugi) Terkumpul (3,803,473) (3,803,473)Baki Terkumpul h/h (3,632,025) (1,867,135)Div & Peruntukan Lain 0 0Baki Terkumpul h/h (3,632,025) (1,867,135)

AVERAGE BAJET

2014

OPTIMISTIC

BAJET 2014

BAJET KOPSYA 2014


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DANA UNTUK GERAKAN KOPERASI

PROGRAM SUKUK (KECAIRAN)• Sukuk RM2 billion : RHB Investment Bank Berhad

• Kerjasama BPA – BPKP ANGKASA - BANK

• Sokongan & kelulusan daripada SKM.

• Kenalpasti Koperasi (Kredit BPA) yang berminat

• Potongan BPA sedia ada yang berkualiti danbertempoh 5 tahun

Mengurangkan kos kewangan - kos kewangan yangtetap dan rendah; meningkat keuntungan koperasi

Membuka ruang kepada aktiviti perniagaan dan pelaburan secara langsung dengan jangkaan pulangan tinggi



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SUKUK PROGRAMME

1

• KOPSYA

• INVESTMENT BANK

2

• RC – STRAIGHT FINANCING TO COOPS

• RECEIVABLES COOP

• REPAYMENT VIA SALARY DEDUCTIONS

3

• COOP INTERNAL FINANCIAL NEEDS

• PROJECTS & INVESTMENT : HIGHERRETURNS; COOPS EQUITY OWNERSHIPS



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PELBAGAI

Sistem IT KOPSYA – Simpanan, SIA, GIA,

Kebajikan, “Payment Gateway”

Program TAKAFUL berlesen – “Cell” Takaful

Pembangunan Hartanah & Perladangan – AIS,

BIMB, SUKUK KOOP

“Reverse Sukuk” – Institusi PerbankanTuesday, 27 May, 2014


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SISTEM SIMPANAN KOPSYA

• Trial Run & Pilot Test (UAT)

– dalaman

– beberapa buah koperasi anggota

– Mei 2014

• Roll Out

– Musyarakah dengan

Koperasi Anggota – KOPSYA CHANNEL

– KOPSYA CLUSTER



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RANGKAIAN PERKHIDMATAN KOPSYA

CH NNEL

KOPSY

R NGK I N

KOPSY

CLUSTER

KOPSY

KHIDM T

KOPSY

KOPSY

KOPSYA



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MUSYARAKAH KOPSYA BERSAMA KOPERASI


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Musyarakah Partner (MP Channel)

Koop A

New Agreement

Delegated

Product / Project

• Agreement

parameters

• Tawarruq PF

• Tawarruq Consumer

• Ar-rahnu

• MM

Business activities


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Musyarakah Partner (MP Cluster)

Koop C

Koop D

Koop B

Koop A

Koop F

KOPSYA

Add to cluster EntityBusiness activities

MEMBERSHIP BASED

NON-MEMBERSHIP

BASED

• Tawarruq PF

• Saving account

• Takaful

• Ar-rahnu

• Bil payment

financing


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PUSAT NIAGA & KHIDMAT KOPSYA

KOPSYA BUSINESS & SERVICES

CENTRES

KAD

KOPSYAAl-Rahnu

Kiriman

Wang

MyKOPSYA

Angkasa

Pusat

Bayaran

Setempat

KhidmatKewangan

Anggota

Logistics

CLUSTER & CHANNEL

Takaful KhidmatAmanah


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CLUSTER FUNGSIAN

PERTANIAN

PENGGUNA

SEKOLAH

PEMBANGUNAN HARTANAH

PENGANGKUTAN


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PROPOSEDTAKAFUL CELL SCHEMES WITH

ARCHIPELAGO INSURANCE PCC

LIMITED

KOPSYA TAKAFUL


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Protected Takaful Cell Captive Services

• PHASE 1

Group Credit Takaful (GCT)

Group Family Takaful (GFT)

Group Personal Accident (GPA)

Group Funeral Expenses ~Khairat (GFE)

General Takaful Business (Fire, Houseowner,Personal Accident)

•PHASE 2 Group Comprehensive Retirement /

GroupTakaful Ma’asyi (GTM)

Individual Unit-linked Investment Products


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NEED FOR TAKAFUL

• KOPSYA to cater for financing needs of

member coops.

• Expected disbursement amount to be in the

range of RM70 - RM100 million in 2014.

• Other sustainable financing arrangements in

the pipeline, and together with Sukuk

programme, the figure is expected to increase.

• Mitigation of RISK (Death, Permanent Total

Disability, Fire, etc)


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KEPERLUAN TAKAFUL

• Contoh: A compulsory takaful coverage - Group Credit Takaful

(GCT) to be implemented to protect KOOP’s financial interest

on the credit facility granted to members.

• Under GCT, one Master Group Certificate will be issued to

KOPSYA and each cooperative will be given a Group Certificate

to cover their individual members who take financing facility.

• Besides GCT, there are other needs by the cooperative

members to have takaful coverage too.

• Programme and Policies underwritten by ARCHIPELAGO

INSURANCE PCC LIMITED; a Labuan FSA approved and

licensed Protected Cell Captive insurance/takaful company

regulated under Labuan IBFC.


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MANFAAT PROGRAM TAKAFUL

Large Member Volume Coverage

Coop’s Own Takaful Programme

More Takaful Products

Affordable Rates with Rebates

No Tax, Higher Revenue to Coops

Create Employment for Members


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BUSINESS & SERVICES

Cover basic risk with Retakaful

Wakalah Fees

Investment return from investment fund

Underwriting Surplus

Simple products (not complex) to enableease in promotion (sales) and administration

Simple coverages and benefits structure

Short to medium term in nature

Better commissions


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Year 1 Year 2 Year 3 Year 4 Year 5

Contribution

Gross contribution 2,113,037.50 15,000,147.50 15,750,154.88 16,222,659.52 16,790,452.60

Wakalah Fee (485,998.63) (3,450,033.93) (3,622,535.62) (3,731,211.69) (3,861,804.10)

Retakaful contribution (368,591.06) (2,984,326.93) (5,596,101.51) (8,204,548.67) (10,810,962.54)

1,258,447.81 8,565,786.64 6,531,517.74 4,286,899.16 2,117,685.97

(Increase)/decrease in unearned contribution - - - - - 1,258,447.81 8,565,786.64 6,531,517.74 4,286,899.16 2,117,685.97

(Increase)/decrease in unearned contribution reserve - - - - -

Tabarru' Fund 1,258,447.81 8,565,786.64 6,531,517.74 4,286,899.16 2,117,685.97

Claims

Gross Claims (633,911.25) (4,500,044.25) (4,725,046.46) (4,866,797.86) (5,037,135.78)

Recoverable from retakaful 633,911.25 3,600,035.40 3,307,532.52 2,920,078.71 2,518,567.89

- (900,008.85) (1,417,513.94) (1,946,719.14) (2,518,567.89)

Outstanding Claims - - - - -

Outstanding Claims recoverable from retakaful - - - - - - (900,008.85) (1,417,513.94) (1,946,719.14) (2,518,567.89)

Surrender Value (105,651.88) (750,007.38) (787,507.74) (811,132.98) (839,522.63)

Total Claims (105,651.88) (1,650,016.23) (2,205,021.68) (2,757,852.12) (3,358,090.52)

Expenses

Management Fee Paid (42,260.75) (300,002.95) (315,003.10) (324,453.19) (335,809.05)

Operating Expenses (Labuan Annual Fee) (10,000.00) (10,000.00) (10,000.00) (10,000.00) (10,000.00)

Total Expenses (52,260.75) (310,002.95) (325,003.10) (334,453.19) (345,809.05)

Underwriting Profit/(Loss) 1,100,535.19 7,505,776.32 5,419,006.90 3,141,313.00 932,354.29

Wakalah Fund 485,998.63 3,450,033.93 3,622,535.62 3,731,211.69 3,861,804.10 Investment

Attributable Investment Fund return 12,927.34 161,185.95 389,950.27 569,784.91 665,995.19

Attributable Wakalah Fund return 5,708.74 73,374.44 201,485.64 339,254.83 486,144.34

Investment Fund after investment return 1,113,462.53 7,666,962.27 5,808,957.17 3,711,097.91 1,598,349.48

Wakalah Fund after investment return 491,707.37 3,523,408.37 3,824,021.26 4,070,466.52 4,347,948.44

Investment Fund after investment return b/f - 1,113,462.53 8,780,424.80 14,589,381.97 18,300,479.88

Wakalah Fund after investment return b/f - 491,707.37 4,015,115.73 7,839,137.00 11,909,603.52

Fund after investment return c/f 1,605,169.89 12,795,540.54 22,428,518.97 30,210,083.39 36,156,381.31

DESCRIPTION


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DUE DILIGENCE AUDIT

PRISMA VS FLAME-T


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DI KENALPASTI MASALAH

BESARPERLU $$$$$

BESAR


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PENARAFAN KOPSYA


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Koperasi Pembiayaan Syariah Angkasa Berhad

MEMPERKASA

GERAKAN KOPERASI

Tuesday 27 May 2014

Kopsya Pembentangan Map 2014

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