Micro Easy Payment

Programme

(MEPP)
Micro Easy Payment Programme

 Great Opportunity to tap into Government

Sectors
 Offering MEPP for Product Purchase and / or
Business kick-start with least hassle
 Personal Loan with Cash Rebate
Micro Easy Payment Programme
 Official registered MEPP merchant under
KOPESADIK
 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 related
statutory body and agencies are welcomed
to apply (refer to the list published in the
website)
Micro Easy Payment Programme

 Low Payback
 Loan up to RM100,000.00
 Repayment instalments up to 180 months
or upon age 55 or age 57 (retirement)
 Repayment via direct deduction from salary,
maximum deduction up to 60% of salary less
statutory deduction
Micro Easy Payment Programme
Cost to applicant – per application :
 RM 60 admin charges
 RM10 – Registration Fees
 RM50 – Koperasi Shares subscription
 12% initial financial charges on total loan
amount
 Lowest rate
 15% - 19% of other Koperasi, generally
 8.5% interest per year. (According to Hire
Purchase interest computation)
 RM 2.50 for application form.
Micro Easy Payment Programme

 No Guarantor is required
 Blacklisted / CTOS / CCRIS applicants are well
accepted
 Fast application processing
 MEPP Loan Calculation

Jumlah
Jumlah Pendapatan
X 60% ― Potongan

Elaun Lebih Masa @

Imbuhan Tahunan

= Kelayakan Ansuran Bulanan

 MEPP Loan Calculation
Kelayakan Jumlah
Ansuran X
Bulan
Tempoh
Jumlah Bulanan Pinjaman
Maksimum
Pinjaman = 1 + (0.085 X Jumlah
yang layak Tahun Pinjaman)
dimohon
 MEPP Loan Calculation
1003 JANN. CAWANGAN JOHOR Bulan : 08/2008

Nama : Nissxxx Baidxxxx

No. Gaji : X2722xxxxx Jabatan : 0251 Kementerian Kesihatan
No. K/P : 70xxxx-10-xxxx Pusat Pembayar : 3001 Kakitangan Pej-Hospital
XXXX
PENDAPATAN AMAUN POTONGAN AMAUN (RM)
Gaji Pokok (RM) Cukai Pendapatan 21.00
Imbuhan Tetap Khid Awam 2,158.94 Angkasa 289.34
Bantuan Sara Hidup 160.00 Lem. Tabung Haji 130.00
B I Perkhid Kritikal 300.00
Bantuan Sewa Rumah 323.84
Byrn Insentif POS Basik 180.00
100.00

Jumlah Pendapatan Jumlah Potongan 440.34

3,222.78 Gaji Bersih 2,782.44

(No Siri : 74759)

Bank : MBBxxxxxxx No Akaun :
1012xxxxxxxx SILA MAKLUMKAN MAJIKAN JIKA MAKLUMAT PERIBADI SALAH

Sila SIMPAN UNTUK KEGUNAAN CUKAI

PENDAPATAN
C D SULIT
 MEPP Loan Calculation

Jumlah
X 60% ― 440.34
3,222.78
Jumlah Pendapatan Potongan

0
Elaun Lebih Masa @
Imbuhan Tahunan

= Kelayakan
1,493.00
Ansuran± Bulanan
 MEPP Loan Calculation
Kelayakan Jumlah
1,493.00
Ansuran X 120
Bulan
Tempoh
Jumlah
Bulanan Pinjaman
Maksimum
96,800
Pinjaman =
±
yang layak
1 + (0.085 X Jumlah
1 + (0.085 X 10)
Tahun Pinjaman)
dimohon
 MEPP Loan Calculation
Jumlah 1 + (0.085
Pinjaman
2,800 X Jumlah
yang
X 1.85
Tahun
Amaun dimohon Pinjaman)
43.17
Ansuran =
Bulanan Jumlah
Bulan
120
Tempoh
Pinjaman
 Checklist
for the
Application
Forms &
necessary
documents
7 Working Days for approval!!
 Chin Bo San (Nama Pemohon)
K1887988 / 700707-07-7007
Lelaki Berkahwin Cina
Lau Chui Nuah (Nama Ibu Pemohon)
Alamat Terkini Yang Sama Seperti Di Dalam Bil Utiliti
XXXXX
603-22132530 6012-3456789 603-24886798
798869881108688

Nama Jabatan
Nama Ketua Jabatan / Penyelia
Alamat Tempat Bekerja
XXXXX
Pangkat DD/MM/YYYY

Nama Suami / Isteri (Jika Sudah berkahwin)

K2488068 / 760606-06-6006 06/06/1976

Nama Majikan (Jika Ada)
Alamat Tempat Bekerja
XXXXX
603-22132530 6019-8765432 603-24886798
Pangkat X,XXX.XX

Nama Saudarai / Penama / Waris

A5678912 / 790909-09-9009 09/09/1979
Alamat Surat Menyurat
XXXXX
603-22882888 6019-6678899 603-24886798
Hubungan Antara Pemohon

Fill in ONLY this Form!!!

Sign ONLY at Area marked X!!!
ATM Official
Stamp &
Authorized
Signature
ATM Official
Stamp &
Authorized
Signature
Sign ONLY at Area marked X!!!
ATM Official
Stamp &
Authorized
Signature
Sign ONLY at Area marked X!!!
Sign ONLY at Area marked X!!!
Sign ONLY at Area marked X!!!
Sign ONLY at Area marked X!!!
KOPESADIK Personal Financing-i Application Form
Sign ONLY at Area marked X!!!
Sign ONLY at Area marked X!!!
Sign ONLY at Area marked X!!!
 Tandatangan
X Majikan
Pegawai XXXXXXXXXX
COP
Universiti MXXXXXX XXXXXXX
XXXXX Kuala XXXXXXXXXX
Blank this Form!!!
 Thumbprint (Option),
but ONLY for Sabah
(right thumb)

- - - --
K ---
X BLA
N
Applicant’s
e a se
Signature
- - - Pl
APPLICANT’S NAME ----
700707-07-7007

X
Pegawai XXXXXXXXXX
Universiti MXXXXXX XXXXXXX Tandatangan COP
XXXXX Kuala XXXXXXXXXX Majikan
Blank this Form!!!
 Thumbprint (Option),
but ONLY for Sabah
(right thumb)

- - - --
X K ---
N
Applicant’s BLA
Signature e a se
- - - Pl
APPLICANT’S NAME ----
700707-07-7007

X
Pegawai XXXXXXXXXX
Universiti MXXXXXX XXXXXXX Tandatangan COP
XXXXX Kuala XXXXXXXXXX Majikan
 Valued Package + Initial Capital!
!
√ √ a y m e n t!

e - p
Pr
No
Rep
aym
√ √ c k ! ! !
e nt y b a
inst P a
alme w
nts
up t Lo
o 180
√ √ mon
ths!
!!!
1st BV month 2nd BV month 3rd BV month

XAM
XAM AM
 MEPP Loose Package
(with / without Cash Loan)
Combination Purchase of any BV Products
Minimum RM2,000.00 in Single Receipt
Maximum Personal Loan is 1:1
NOT able to enjoy 12% Initial Payment
 How to Claim after Approval?

Visit HQ or nearest Stockist to claim your

products
For 3rd Party, need to present the
Authorization Letter to the Company
Each approved loan amount is STRICTLY
applicable to ONE (1) Cash Bill
For Personal Cash Loan, bank-in DIRECT
 FINAL
Checklist
for a
successful
application
Thank You