Category Archives: keratan berita

Pinjaman Peribadi Koperasi

Kami menawarkan pelbagai pakej pinjaman peribadi koperasi kepada anda bersesuaian dgn kelayakan anda.

Antara koperasi yang kami tawarkan adalah koperasi UKHWAH, KOSPEK, dan GEMILANG

Pakej dibawah ini adalah terbuka untuk semua pekerja kerajaan yang berstatus tetap sahaja.

Pembiayaan Koperasi UKHWAH

  • Kadar keuntungan 4.65%
  • Tempoh 10 tahun
  • Pembiayaan sehingga rm150 000
  • Tempoh proses 4-6 minggu

( Interest rendah tapi waktu proses agak lambat sedikit)

Pembiayaan Koperasi KOSPEK

  • Kadar Keuntungan 4.99%
  • Tempoh 10 tahun
  • Pembiayaan sehingga rm150 000
  • Proses 3-4 minggu

( interest sederhana tetapi waktu proses lebih cepat sedikit)

Pembiayaan Koperasi GEMILANG

  • Kadar keuntungan 5.99%
  • Tempoh 10 tahun
  • Pembiayaan sehingga RM 50 000
  • Tempoh proses 3-4 minggu

Rata rata kesemua proses pembiayaan peribadi pada masa sekarang adalah mengambil masa lebih kurang sebulan, kerana kerajaan telah mengetatkan syarat pembiayaan dan bagi mengelakkan terjadi kes penipuan. Mana mana agen yang menjanji pembiayaan dalam tempoh 7 hari adalah bohong.

Semak kelayakan anda jika berminat untuk memohon pembiayaan dengan kami

KLIK DI SINI

Promosi MBSB Raya 2013

Buat masa sekarang tiada sebarang update berkenaan dengan promosi hari raya MBSB 2013

Pihak BNM ( Bank Negara Malaysia) melalui FSA ( Financial Service Act 2012) telah memaklumkan tempoh tahun bagi Pembiayaan Peribadi bagi semua Sektor Kakitangan Kerajaan Malaysia dgn mana mana institusi kewangan, perbankan, koperasi akan dipendekkan daripada 20 tahun kepada 10 tahun sahaja. Bank Rakyat sudah menguatkuasakan syarat ini, MBSB tidak terkecuali dari akur dengan syarat ini. Kepada sesiapa yang ada merancang utk memohon pembiayaan diharap menyegerakan tindakan anda sebelum syarat baru ini dikuatkuasa oleh MBSB. Rebutlah peluang ini ketika ia masih terbuka.

Pakej yang terbaik utk masa ini adalah pakej

NewYear 2013
• Kadar tetap 3.99%
• RM250 000 sehingga 25 tahun
• Tidak boleh overlapse utk pakej sedia ada MBSB
• boleh buat akaun kedua sekiranya bukan pakej Waslah

 

mbsb2013

MBSB profit on goal track

KUALA LUMPUR: Malaysia Building Society Bhd (MBSB) is on track to achieve its target of RM600mil in profit before tax (PBT) this year, said president and chief executive officer Datuk Ahmad Zaini Othman.

“If you look at the trend of the business momentum that we have seen over the last nine months, we do not foresee any problems in achieving our target,” Zaini told a media briefing in Kuala Lumpur.

MBSB posted a 25.5% year-on-year growth in PBT to RM410.5mil for the nine months ended Sept 30.

“We feel that the personal financing segment is still big enough for us to grow. On the other segments of the business like mortgage, we continue to grow progressively. Overall, 2012 is going to be another good year for us in terms of targets,” he said.

For the third quarter ended Sept 30, MBSB posted a 5.4% year-on-year drop in net profit to RM90mil.

It noted that it had taken into account an under-provision for taxation in the previous year, which amounted to RM22.28mil.

Revenue rose 53.1% year-on-year to RM520.7mil for the third quarter.

MBSB chief financial officer Tang Yow Sai said: “Without this under-provision, our after-tax earnings would have grown 18% compared with the last corresponding quarter.”

Tang said MBSB had performed a more prudent computation of tax, and “added back a collective assessment allowance which normally the banks, under the Banking and Financial Institutions Act 1989, are allowed to do.”

However, MBSB is a exempt finance company.

“So, we had applied in 2010 to the Ministry of Finance (MOF) and the Inland Revenue Board (IRB) to request to be exempted (to be able to get this impairment to be deducted from tax computation).

“We are still waiting for the decision from the MoF and IRB. If we do get the approval, you should see a big write-back on tax,” said Tang.

For the nine months ended Sept 30, MBSB’s net profit increased 8.9% year-on-year to RM263mil while revenue rose 45.7% to RM1.344bil.

The group told Bursa Malaysia that the better performance was was mainly due to higher income from Islamic banking operations via the expansion of personal financing and higher net interest income from conventional business.

In a statement, Zaini said MBSB’s third-quarter performance was at a record level.

“It is mostly attributed to our Islamic banking operations across MBSB’s retail segment, especially with the offer of personal financing-i competitive packages to government servants.

“This consumer segment remains a stable market with low repayment risks, which justifies the provision of affordable financing to them,” he said.

Zaini also pointed out that the group’s non-performing loan ratio stood at 4.33% as at Sept 30, from 8.82% at Dec 31, 2011.

“This was partly contributed by our pursuit to resolve our corporate legacy accounts,” he said.

Net loan, advances and financing stood at RM23.2bil as at Sept 30, an increase of 52.6% versus RM15.2bil at Dec 31, 2011, while deposits stood at RM20bil, a growth of 48% compared with RM13.5bil previously.

MBSB is targeting to launch its new core banking system, known as MBSB Integrated Core Banking System, by end of this month.

MBSB 50% completed to becoming bank

mbsb zaini

KUALA LUMPUR, — Malaysia Building Society Bhd (MBSB) is almost 50 per cent complete in its journey to be established as a full-fledged banking institution, its President cum Chief Executive Officer, Datuk Ahmad Zaini Othman said.

He said the lender is currently closing the gaps of many variables which are holding it back from transforming itself from a financial provider to a bank.

“The most important gap that we need to address is the capital. A Malaysian bank needs a minimum RM2 billion capital to operate as a bank. As of now, our capital is about RM1.36 billion.

“There are certain gaps that we have bridged, some we are performing better and some we are lacking. But it still takes time,” he told a media briefing here today.

Ahmad Zaini said the consultants hired by MBSB for the purpose is also guiding the lender for a more efficient transformation.

“We want to build our internal capabilities first before applying for a banking licence from the related authorities.

“There are some who apply for the licence first but do not have the capability to run a bank soon after the approval is granted.

“If we can do it next year, it would be good. But like what I have said, it is not easy to set a timeframe. We are about 50 per cent from the target,” he added.

The Employees Provident Fund Board (EPF) and Permodalan Nasional Bhd (PNB) are the two major shareholders of MBSB, which is currently regarded as a financial provider with a status of an exempt finance company.

Ahmad Zaini said the recent investment for a new core banking, known as MBSB Integrated Core Banking System (MICoB), will be a vital milestone for the lender in its initiative to becoming a full-fledged bank.

He said MBSB is on track to achieve its target of going live with its new core banking system by the end of this month.

“The first phase will go live on November 26 while the second phase is expected to go live by April or May next year.

“The new banking platform is expected to enhance MBSB’s product offerings, customer service and overall presence,” Ahmad Zaini said.

-Bernama

MBSB labur 100 j utk sistem perbankan baru ( MiCOB)

KUALA LUMPUR, 12 Sept (Bernama) — Malaysia Building Society Bhd (MBSB)

menjangka sistem yang baharu dilaksanakan, sistem Perbankan Teras Bersepadu

MBSB Integrated Core Banking (MICOB), akan membantunya mencapai matlamat menjadi

institusi perbankan menjelang November tahun depan.

MICOB, yang menelan kos hampir RM100 juta dalam tempoh lima tahun, adalah

pelaburan sangat strategik oleh MBSB bagi menggantikan sistem sedia adanya.

Presiden/Ketua Pegawai Eksekutif Datuk Ahmad Zaini Othman berkata melalui

MICOB, ia akan membantu MBSB merapatkan jurang dengan institusi perbankan lain.

“Sebaik kami mendapat sistem perbankan teras, jurang kami dengan institusi

kewangan akan mengecil dan dipertingkatkan dan jika kami memasuki platform

perbankan, ia akan memudahkan,” katanya kepada pemberita selepas menandatangani

Sistem Perbankan Teras yang baharu dan perjanjian teknologi IT dengan Silverlake

Innovation Partners Sdn Bhd (SIP) di sini hari ini.

Perjanjian itu ditandatangani antara Ahmad Zaini dan Ketua Eksekutif SIP

Chin Jit Pyng dan disaksikan oleh Pengerusi MBSB Tan Sri Abdul Halim Ali dan

Pengerusi Eksekutif Kumpulan Silverlake Goh Peng Ooi.

MBSB dan SIP akan bekerjasama melaksanakan MICOB sebagai satu blok binaan

utama transformasi MBSB untuk menjadi inovator utama di dalam perniagaan

perkhidmatan kewangan runcit dan borongan.

Ahmad Zaini berkata dengan pelaksanaan MICOB itu para pemegang saham MBSB

akan dapat melihat nilai yang dijana dari sistem itu dan memberi kelulusan

mereka bagi membolehkan MBSB menjadi satu institusi perbankan.

Kumpulan Wang Simpanan Pekerja adalah pemegang saham utama MBSB dengan

ekuiti 65 peratus.

“Apabila para pemegang saham kami bersedia untuk melihatnya pada peringkat

makro dengan sistem yang kami miliki sekarang ini, laluan untuk menjadi satu

institusi perbankan akan menjadi lebih mudah.

“Adalah diharapkan, menjelang November tahun depan, kami sepatutnya dapat

melihat secara lebih konkrit dan jitu di segi hala tuju untuk mencapai matlamat

kami,” katanya.

Ahmad Zaini berkata MICOB akan membenarkan MBSB menyampaikan dengan cekap

produk dan perkhidmatannya kepada pelanggan dan memudahkan pembangunan

produknya.

Katanya sistem itu akan dilaksanakan pertama kali pada November tahun ini di

cawangan pantai Timurnya dan diikuti oleh cawangan lain pada keesokan harinya.

MBSB adalah penyedia pembiayaan yang menyediakan pelbagai produk dan

perkhidmatan pembiayaan berinovasi bagi individu dan korporat manakala kemahiran

perniagaan SIP menyediakan Perkhidmatan kerjasama IT, terutama sekali aplikasi

dalam sektor pembiayaan.

 

Sumber : http://my.news.yahoo.com/mbsb-jangka-micob-bantunya-jadi-institusi-perbankan-072603715–finance.html