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MEMPERKASA GERAKAN KOPERASI

Koperasi Pembiayaan Syariah Angkasa Berhad

Tuesday, 27 May, 2014

VISI KOPSYA

Koperasi Menengah Kewangan Nasional Yang Memacu Kemajuan

Gerakan Koperasi Dan Negara

Tuesday, 27 May, 2014

MISI KOPSYA

Menggarap potensi kapasiti Besar melalui Permodalan Bersama Gerakan Koperasi yang efisyen serta akses kepada Pasaran Kewangan

Menggerakkan dinamika sumber manusia yang ‘alim dan pakar, berketrampilan lagi penuh tanggungjawab dengan nilai insaniah yang bermotivasikan keredaan Ilahi

Mentauliahkan organisasi yang lestari dengan sistem teknologi yang terkehadapan, berkembang dengan tuntutan Maqasid Shariah serta penawaran produk dan khidmat untuk kesejahteraan anggota

Tuesday, 27 May, 2014

PERUMAHAN Musyarakah

Mutanaqisah

Al-Rahn

Projek

Kluster

4

Al-Tijari

Pembiayaan

Projek

DEPOSIT Wadi’ah, Mudharabah,

Wakalah

KEPERLUAN

KONSUMER & PERIBADI

Al-Tawarruq

PROJEK KOPSYA

(MUSYARAKAH) PROJEK KOPSYA

(UNIT/BAHAGIAN)

MODEL BISNES & PERKHIDMATAN

Anggota

Koperasi

KOPERASI

ANGGOTA

PROGRAM MUSHARAKAH

PELABURAN KOOP/ANGGOTA

LAIN-LAIN PEMBIAYAAN

AM

SIMPANAN KOOP/ANGGOTA

SAHAM

PENDIDIKAN

HAJJ-UMRAH

KESIHATAN

HARTANAH

SKIM BIAYA

INSTITUSI KEWANGAN

KOPERASI

MUDHARABAH

MUSHARAKAH

AL-WAFI

TATHMIR

TMP

INSTITUSI KEWANGAN*

PASARAN

INSTITUSI PELABURAN

KOPERASI

KERAJAAN

PASARAN*

UNTUNG TERKUMPUL

*Dengan Izin SKM

WAKALAH

PROJEK

PUSAT NIAGA & KHIDMAT

PERKONGSIAN KEUNTUNGAN

INFAQ & WAQF

SISTEM

MANFAAT KEANGGOTAAN KOPSYA

KOPERASI

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 WILAYAH PERSEKUTUAN

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 11.47

10 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

KOPSYA : KEANGGOTAAN

FUNGSI KOOP

KREDIT 129 KONSUMER - DEWASA 104 KONSUMER - SEKOLAH 61 PERTANIAN 71 PERUMAHAN 24 PERKHIDMATAN 99 PENGANGKUTAN 24 INDUSTRI 5 PEMBINAAN 7 22 APRIL 2014 - JUMLAH 524

Tuesday, 27 May, 2014

Tuesday, 27 May, 2014

AKAUN UNTUNG RUGI BAGI TAHUN BERAKHIR 31 DISEMBER 2012 / 2013

2012 2013

RM RM Varians

Pendapatan dari Aktiviti

Pembiayaan 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

Keuntungan/ (Kerugian) bersih Operasi Biasa (2,004,828) (956,620) 1,048,208 + ve

Perbelanjaan Pra Operasi (842,024) -

Kum Wang Rizab Statutori (15%) - -

Peruntukan Wang 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: 2013MAT &

Konvensyen 105,472.30

120,000.00

Pulangan Wadi'ah & Mudharabah 142,803.72

CHANGE

Sewa kepada ANGKASA

KOPERASI PEMBIAYAAN SYARIAH ANGKASA BERHAD

Tuesday, 27 May, 2014

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%

Tuesday, 27 May, 2014

PENYATA PENDAPATAN KOPSYA - TAHUN SEMASA 2014

Perolehan (Jan – Mac 2014) : 594,352

Anggaran 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

Tuesday, 27 May, 2014

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

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 dan

bertempoh 5 tahun Mengurangkan kos kewangan - kos kewangan yang

tetap dan rendah; meningkat keuntungan koperasi Membuka ruang kepada aktiviti perniagaan dan

pelaburan secara langsung dengan jangkaan pulangan tinggi

Tuesday, 27 May, 2014

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 : HIGHER RETURNS; COOPS EQUITY OWNERSHIPS

Tuesday, 27 May, 2014

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 Perbankan Tuesday, 27 May, 2014

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

Tuesday, 27 May, 2014

RANGKAIAN PERKHIDMATAN KOPSYA

CHANNEL KOPSYA

RANGKAIAN

KOPSYA CLUSTER

KOPSYA

KHIDMAT KOPSYA KOPSYA

KOPSYA

Tuesday, 27 May, 2014

MUSYARAKAH

KOPSYA BERSAMA KOPERASI

Musyarakah Partner (MP Channel)

Koop A

New Agreement

Delegated Product / Project

• Agreement parameters

• Tawarruq PF • Tawarruq Consumer • Ar-rahnu • MM

Business activities

Musyarakah Partner (MP Cluster)

Koop C

Koop D

Koop B

Koop A

Koop F

KOPSYA

Add to cluster Entity Business activities

MEMBERSHIP BASED

NON-MEMBERSHIP BASED

• Tawarruq PF • Saving account • Takaful

• Ar-rahnu • Bil payment

financing

PUSAT NIAGA & KHIDMAT KOPSYA

KOPSYA BUSINESS & SERVICES CENTRES

KAD KOPSYA Al-Rahnu

Kiriman Wang

MyKOPSYA Angkasa

Pusat Bayaran

Setempat

Khidmat Kewangan Anggota

Logistics

CLUSTER & CHANNEL

Takaful Khidmat Amanah

CLUSTER FUNGSIAN

PERTANIAN

PENGGUNA

SEKOLAH

PEMBANGUNAN HARTANAH

PENGANGKUTAN

PROPOSED TAKAFUL CELL SCHEMES WITH ARCHIPELAGO INSURANCE PCC

LIMITED

KOPSYA TAKAFUL

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

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)

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.

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

BUSINESS & SERVICES

Cover basic risk with Retakaful

Wakalah Fees

Investment return from investment fund

Underwriting Surplus

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

Simple coverages and benefits structure

Short to medium term in nature

Better commissions

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

DUE DILIGENCE AUDIT

PRISMA VS FLAME-T

DI KENALPASTI MASALAH

BESAR PERLU $$$$$

BESAR

PENARAFAN KOPSYA

Koperasi Pembiayaan Syariah Angkasa Berhad

MEMPERKASA GERAKAN KOPERASI

Tuesday, 27 May, 2014