Kopasera Mobile is a mobile application with the concept of 'one stop solution' and a cooperative platform that relies on digital technology. As one of the service applications from PT. CUSO Digital Indonesia, Kopasera Mobile is intended for Agung Sejahtera CU members to be able to carry out all Cooperative financial transaction activities, Information, Promotion, PPOB and Business Space (Marketplace) on the features provided by the application using an Android smartphone.

Application Features:
1. Fill in the Balance/Topup via Bank or Savings in a Cooperative
2. Transfer to the Bank, Members can transfer money anywhere in realtime
3. Info on Cooperative Balance/Deposits, Check Savings Balances, Loans and Deposit deposits or installments via mobile apps, real time and fully integrated with the CUSO CORE System.
4. PPOB purchases such as credit & data packages, PLN Tokens
5. Payment of PPOB Bills such as: BPJS, Postpaid PLN, Telkom Group
6. Invite Members, Members can register family, relatives, friends to become members without having to come to the cooperative office, anytime and anywhere.
7. Submit a Loan, Members can apply for a loan without having to come to the cooperative office, anytime and anywhere after the application will be KYC by the Agung Sejahtera CU cooperative before the loan is approved.

Max loan value IDR 50,000,000

Admin fee of 2.5% (deducted at the time of disbursement)

Loan Disbursement Simulation:
For example :
Loan value Rp. 5,000,000,
Term of 12 months
Save. Capital 0.2% of the Loan Amount
2.5% Admin Fee
Stamp duty
Voluntary Fees (voluntary given by members to the cooperative which will go into the cooperative development fund)

So :
Disbursement Value = 5,000,000 minus
Save. Capital : 10,000
Admin fee: 125,000
Stamp Duty: 24,000
Voluntary Fees: 26,000

What members receive: IDR 4,815,000

With details :
Principal : IDR 5,000,000 : 12 = IDR. 416,700 / month
Interest : Remaining Balance x 2.5%
Mandatory Savings: IDR 20,000

Accelerated payment:
If a Member wants to make accelerated payments, at least 3x installments have been entered

8. Pay for QR Scan (Pay by Scan QR, Transfer to fellow users, Activity Attendance)
9. Promotions / Advertisements
10.News
11. Product Info and Asset Info, Members can know/control the development of cooperative Assets and Products directly
12. Business Space (Marketplace)
13. Support
14. Transaction History