micro-easy payment program (eng)
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MMicro Easyicro Easy PPaymentayment
PProgrammerogramme
(MEPP)(MEPP)
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Great Opportunity to tap into GovernmentSectors
Offering MEPP for Product Purchase and / orBusiness kick-start with least hassle
Personal Loan with Cash Rebate
MMicro Easyicro Easy PPaymentayment PProgrammerogramme
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Official registered MEPP merchant underKOPESADIK
Main fund holder: Hwang-DBS
2 Types of Loan:
Consumer Loan ONLY
Consumer Loan with Personal Loan
Open to Government Servants
Staffs from Certain Government relatedstatutory body and agencies are welcomedto apply (refer to the list published in thewebsite)
MMicro Easyicro Easy PPaymentayment PProgrammerogramme
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Low Payback
Loan up to RM100,000.00RM100,000.00
Repayment instalments up to 180180 monthsor upon age 55 or age 57 (retirement)
Repayment via direct deduction from salary,
maximum deduction up to 60% of salary lessstatutory deduction
MMicro Easyicro Easy PPaymentayment PProgrammerogramme
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Cost to applicant per application :
RM 60RM 60 admin charges RM10 Registration Fees RM50 Koperasi Shares subscription
12%12% initial financialinitial financial chargesc
harges on total loanamount Lowest rate 15% - 19% of other Koperasi, generally
8.5% interest8.5% interest per year. (According to HirePurchase interest computation)
RMRM 22..5500 for application form.
MMicro Easyicro Easy PPaymentayment PProgrammerogramme
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No Guarantor is required Blacklisted / CTOS / CCRIS applicants are well
accepted
Fast application processing
MMicro Easyicro Easy PPaymentayment PProgrammerogramme
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MEPP Loan CalculationMEPP Loan Calculation
XX60%60% Jumlah PendapatanJumlah Pendapatan
Elaun Lebih Masa @Elaun Lebih Masa @
Imbuhan TahunanImbuhan Tahunan
JumlahJumlah
PotonganPotongan
== Kelayakan Ansuran BulananKelayakan Ansuran Bulanan
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MEPP Loan CalculationMEPP Loan Calculation
JumlahJumlah
MaksimumMaksimumPinjamanPinjaman
yang layakyang layak
dimohondimohon
==
KelayakanKelayakanAnsuranAnsuran
BulananBulanan
JumlahJumlah
BulanBulan
TempohTempoh
PinjamanPinjaman
1 + (0.085 X1 + (0.085 X JumlahJumlah
Tahun PinjamanTahun Pinjaman))
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MEPP Loan CalculationMEPP Loan Calculation
Jumlah Potongan 440.34
Gaji Bersih 2,782.44
(No Siri : 74759)
SILA MAKLUMKAN MAJIKAN JIKA MAKLUMAT PERIBADI SALAH
Jumlah Pendapatan3,222.78
Bank : MBBxxxxxxx No Akaun :1012xxxxxxxx
Sila SIMPAN UNTUK KEGUNAAN CUKAIPENDAPATAN
AMAUN (RM)21.00
289.34
130.00
POTONGANCukai Pendapatan
Angkasa
Lem. Tabung Haji
AMAUN(RM)
2,158.94
160.00
300.00323.84
180.00
100.00
PENDAPATANGaji Pokok
Imbuhan Tetap Khid Awam
Bantuan Sara Hidup
B I Perkhid KritikalBantuan Sewa Rumah
Byrn Insentif POS Basik
Bulan : 08/2008
Jabatan : 0251 Kementerian Kesihatan
Pusat Pembayar : 3001 Kakitangan Pej-HospitalXXXX
1003 JANN. CAWANGAN JOHOR
Nama : Nissxxx BaidxxxxNo. Gaji : X2722xxxxx
No. K/P : 70xxxx-10-xxxx
SULITSULITCC DD
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MEPP Loan CalculationMEPP Loan Calculation
XX60%60% Jumlah PendapatanJumlah Pendapatan
JumlahJumlah
PotonganPotongan
== Kelayakan Ansuran BulananKelayakan Ansuran Bulanan
3,222.783,222.78440.34440.34
1,493.00 1,493.00
Elaun Lebih Masa @Elaun Lebih Masa @
Imbuhan TahunanImbuhan Tahunan00
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ChecklistChecklist
for thefor the
ApplicationApplicationForms &Forms &
necessarynecessary
documentsdocuments7 Working Days for approval!!7 Working Days for approval!!
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Chin Bo San (Nama Pemohon)
K1887988 / 700707-07-7007
Lelaki Berkahwin CinaLau Chui Nuah (Nama Ibu Pemohon)
Alamat Terkini Yang Sama Seperti Di Dalam Bil UtilitiXXXXX
603-22132530 6012-3456789 603-24886798
798869881108688
Nama Jabatan
Nama Ketua Jabatan / Penyelia
Alamat Tempat Bekerja
XXXXXPangkat DD/MM/YYYY
Nama Suami / Isteri (Jika Sudah berkahwin)
K2488068 / 760606-06-6006Nama Majikan (Jika Ada)
Alamat Tempat Bekerja
XXXXX603-22132530 6019-8765432 603-24886798
X,XXX.XX
06/06/1976
Pangkat
Nama Saudarai / Penama / Waris
A5678912 / 790909-09-9009 09/09/1979Alamat Surat Menyurat
XXXXX
603-22882888 6019-6678899 603-24886798
Hubungan Antara Pemohon
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SignSign ONLYONLY at Area markedat Area marked XX!!!!!!
ATM OfficialStamp &
AuthorizedSignature
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ATM OfficialStamp &
AuthorizedSignature
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ATM OfficialStamp &
AuthorizedSignature
SignSign ONLYONLY at Area markedat Area marked XX
!!!!!!
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SignSign ONLYONLY at Area markedat Area marked XX!!!!!!
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SignSign ONLYONLY at Area markedat Area marked XX!!!!!!
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KOPESADIK Personal Financing-i Application FormKOPESADIK Personal Financing-i Application Form
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SignSign ONLYONLY at Area markedat Area marked XX!!!!!!
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SignSign ONLYONLY at Area markedat Area marked XX!!!!!!
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SignSign ONLYONLY at Area markedat Area marked XX!!!!!!
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COPCOPXX TandatanganTandatanganMajikanMajikan
Pegawai XXXXXXXXXX
Universiti MXXXXXX XXXXXXX
XXXXX Kuala XXXXXXXXXX
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BlankBlank this Form!!!this Form!!!
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XXApplicantsApplicantsSignatureSignature
-------P
lease
-------P
lease
BLAN
KBL
ANK--
------
------
--
Pegawai XXXXXXXXXXUniversiti MXXXXXX XXXXXXX
XXXXX Kuala XXXXXXXXXX
COPCOP
APPLICANTS NAMEAPPLICANTS NAME
700707-07-7007700707-07-7007
XXTandatanganTandatangan
MajikanMajikan
Thumbprint (Option),but ONLY for Sabah(right thumb)
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BlankBlank this Form!!!this Form!!!
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Valued PackageValued Package + Initial Capital!+ Initial Capital!
NoP
re-pay
ment!
!
NoP
re-pay
ment!
!
Low
Payba
ck!!!
Low
Payba
ck!!!Repaymentinstalm
entsupto180months!!!!
Repaymentinstalmentsupto180months!!!!
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AMAM
11stst BV monthBV month 22ndnd BV monthBV month 33rdrd BV monthBV month
AMAM AMAMXX XX
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Combination Purchase of any BV Products
Minimum RM2,000.00RM2,000.00 in Single ReceiptMaximum Personal Loan is 1:11:1
NOT able to enjoy 12% Initial Payment
MEPP Loose PackageMEPP Loose Package
(with / without Cash Loan)(with / without Cash Loan)
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Visit HQ or nearest Stockist to claim yourproducts
For 3rd Party, need to present the
Authorization LetterAuthorization Letter to the Company
Each approved loan amount is STRICTLYapplicable to ONE (1) Cash Bill
For Personal Cash Loan, bank-in DIRECTDIRECT
How to Claim after Approval?How to Claim after Approval?
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FINALFINAL
ChecklistChecklist
for afor asuccessfulsuccessful
applicationapplication
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Thank YouThank You