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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
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