KopkarKita 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, KopkarKita is intended for Kopkar JMTO 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. Cooperative Balance/Deposit Info, 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. Apply for a loan that can be done via mobile and will be KYC by the JMTO employee cooperative before the loan is approved.

Minimum Term : 1 Month
Maximum Term : 10 Months
APR : 12%

Maximum loan value IDR 50,000,000

No admin fees

Simulation :

Loan value IDR 10,000,000
Term of 10 months

Disbursement Value (received) IDR 10,000,000

Installments:
Principal : IDR 10,000,000/10 = IDR 1,000,000 per month
Interest : IDR 10,000,000 x 12% = IDR 100,000 per month
So, the monthly installment amount is IDR 1,100,000 per month

There is no minimum timeframe for redemption. members can make repayments at any time even after the first installment payment.

the simulation is like this:
If the member wants the repayment to be accelerated before the 10th, then the interest continues and so on is waived (only pay the principal).
but if the repayment is accelerated after the 10th, the ongoing interest will still be paid and further interest will be waived.

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