KUD Evidence 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, KUD Evidence Mobile is intended for KUD Evidence 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. Apply for Loans, Members can apply for loans without having to come to the cooperative office, anytime and anywhere.
Minimum rate : 20.4% (APR)
Max rate : 26.4% (APR)
Min term: 12 MONTHS
Max term: 60 MONTHS
Min loan ceiling: Rp. 900,000
Max loan ceiling: Rp. 1,000,000,000
Admin fees: 0.6% of the loan ceiling
Loan disbursement simulation:
For example :
Loan value: Rp. 5,000,000
Timeframe: 12 Months
An admin fee of 0.6% of the loan ceiling is paid once at disbursement
So :
Admin fees: 0.6% x Rp. 5,000,000 = Rp. 30,000
Disbursement value (received): Rp. 5,000,000 – Rp. 30,000 = Rp. 4,970,000
Installment amount: Rp. 526,700
With details
Principal : Rp. 5,000,000 : 12 = Rp. 416,700 per month
Interest : Rp. 5,000,000 x 26.4% = Rp. 110,000 per month
Accelerated repayment simulation:
If a Member wants to make repayments at a minimum, it has entered half of the loan value, then there is a reduction in interest or only the remaining principal is calculated plus 3x the interest.
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