Jabatan Perpaduan Negara Kuala Lumpur

What Jabatan Perpaduan Negara Kuala Lumpur does

Koperasi Jabatan Ukur Dan Pemetaan Malaysia Berhad (KOJUPEM) is a Malaysian cooperative society founded on 22 January 1926 that exclusively serves confirmed permanent staff of the Jabatan Ukur dan Pemetaan Malaysia (JUPEM), the national Department of Survey and Mapping. Operating from its headquarters in Taman Keramat, Kuala Lumpur, KOJUPEM provides four Sharia-compliant financing products — Pembiayaan Bai At-Tawarruq (up to RM100,000, 10-year tenor), Pembiayaan Kecemasan Bai At-Tawarruq (up to RM5,000, 3-year tenor), Pembiayaan Murabahah (up to RM20,000, 7-year tenor, from 6.00% profit rate), and Pinjaman Al-Qard (up to RM2,000, interest-free) — along with a scholarship and financial assistance program for members' children. Underlying technology is limited to a member self-service portal (Portal Anggota) and QR-coded salary statement verification with employer confirmation, while loan deductions are processed through the Angkasa service bureau.

The cooperative operates on a closed-membership model: eligibility is restricted to current JUPEM personnel, retired members cannot renew membership, and distributions are made via salary deduction capped at 60% of monthly gross income. It is governed by a 7-member elected board (Anggota Lembaga) and supported by 18 staff and 70 elected representatives (Perwakilan) across 38 zones covering all Malaysian states. Its go-to-market is entirely community-led, relying on zone representatives, an official website, and printed bulletins rather than external marketing. Revenue is generated through profit rates and markups on financing extended to members, with no external funding or equity capital; the cooperative is supervised by Suruhanjaya Koperasi Malaysia (SKM) and ranked 93rd in the Profil 100 Koperasi Terbaik Malaysia 2026. In 2026, KOJUPEM marked its centenary under the theme 'Menghargai Legasi, Meneruskan Amanah' (Appreciating Legacy, Continuing the Trust).

Name

Jabatan Perpaduan Negara Kuala Lumpur

Legal name

Koperasi Jabatan Ukur Dan Pemetaan Malaysia Berhad

Website

https://kojupem.com

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

11–50 employees

Short description

KOJUPEM is a Malaysian cooperative founded in 1926 that exclusively provides Sharia-compliant financing (Tawarruq, Murabahah, Al-Qard) and scholarships to confirmed permanent staff of the Department of Survey and Mapping Malaysia (JUPEM), operating across 38 zones nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Kuala Lumpur

HQ country

Malaysia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others, Technology or R&D

Revenue model

1. Pembiayaan Tawarruq (Bai At-Tawarruq Financing): Sharia-compliant financing product with amounts up to RM100,000 and repayment periods up to 10 years. Requires 2 guarantors. Revenue generated through profit/markup on the financing extended to members.
2. Pembiayaan Kecemasan Tawarruq (Emergency Tawarruq Financing): Emergency financing with amounts up to RM5,000 and repayment periods up to 3 years. Can be refinanced after 3 months of deductions. Short-term Sharia-compliant financing revenue stream.
3. Pembiayaan Murabahah: Cost-plus financing for household goods, equipment, vehicles, vehicle insurance, road tax, and other purposes. Maximum RM20,000 with repayment up to 7 years. Profit rate as low as 6.00%. Requires two guarantors. Can be extended up to 3 times provided total combined does not exceed RM20,000.
4. Pinjaman Al-Qard: Interest-free loan (Qard) with maximum amount RM2,000 and repayment periods of 5, 10, or 15 months. Requires membership contribution of RM100, participation in Al-Qard scheme, 6 months of contributions to Al-Qard and Al-Abrar funds. Processing fee of RM15 plus RM3 bank charge.
5. Bantuan Kewangan dan Dermasiswa (Financial Assistance and Scholarships): Financial assistance and scholarship programs for members' children who excel academically. Funded through cooperative contributions and allocated to top-ranked applicants based on academic achievement, dependents, and base salary of members.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

KOJUPEM is a registered cooperative society that provides Sharia-compliant (Islamic) financing products exclusively to confirmed permanent staff of the Jabatan Ukur dan Pemetaan Malaysia (JUPEM / Department of Survey and Mapping Malaysia). It offers four financing schemes: Pembiayaan Bai At-Tawarruq (up to RM100,000, 10 years), Pembiayaan Kecemasan Bai At-Tawarruq (up to RM5,000, 3 years), Pembiayaan Murabahah (up to RM20,000, 7 years), and Pinjaman Al-Qard (up to RM2,000, 15 months), plus a member portal and a scholarship/financial assistance program for members' children.

Product overview

KOJUPEM operates as a cooperative providing Sharia-compliant financing products and services exclusively to staff of the Jabatan Ukur Dan Pemetaan Malaysia (Department of Survey and Mapping Malaysia). The core product portfolio consists of four Islamic financing schemes: Pembiayaan Bai At-Tawarruq (up to RM100,000), Pembiayaan Kecemasan Bai At-Tawarruq (up to RM5,000), Pembiayaan Murabahah (up to RM20,000), and Pinjaman Al-Qard (up to RM2,000). Supporting services include a member portal for account management and a financial assistance and scholarship program for members' children.

Differentiator

Problem solved

Functional benefit

Products and services

• Pembiayaan Bai At-Tawarruq

Quantifiable outcome

• Ranked 93rd in Profil 100 Kopi Terbaik Malaysia 2026 by Suruhanjaya Kopi Malaysia
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Jabatan Ukur dan Pemetaan Malaysia (JUPEM)coreOthersKOJUPEM is exclusively established to serve the staff of Jabatan Ukur dan Pemetaan Malaysia (JUPEM). The cooperative's entire membership base consists of JUPEM staff members. It was originally founded by JUPEM staff and maintains a close institutional relationship with the department. The cooperative's activities are aligned with serving the welfare of JUPEM employees.
• Suruhanjaya Kopi Malaysia (SKM)coreOthersSKM is the regulatory authority overseeing cooperatives in Malaysia. KOJUPEM operates under SKM's regulatory oversight and was recognized in the Profil 100 Kopi Terbaik Malaysia 2026 ranking published by SKM.
• Angkasa (Pertubuhan Kebajikan Angkasa)minorOthersAngkasa is the national cooperative umbrella organization in Malaysia. KOJUPEM collects loan repayments through Biro Perkhidmatan Angkasa and is affiliated with Angkasa as a member cooperative. Member contributions and loan repayments are processed through Angkasa's service bureau.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Bank Kerjasama Rakyat Malaysia Berhad (Bank Rakyat): Malaysia's largest cooperative bank, offering Islamic and conventional personal financing, vehicle financing, and Sharia-compliant products. Operates under a similar cooperative/membership philosophy and shares Islamic financing product categories with KOJUPEM.
• Koperasi Permodalan Felda Malaysia Berhad: A large Malaysian cooperative serving FELDA settlers with savings, financing, and welfare products. Highly comparable as a closed-membership cooperative providing Sharia-compliant personal financing and welfare services to a defined employee/settler community.

Broad incumbents

• Tabung Haji (Lembaga Tabung Haji): Statutory body providing Islamic savings and financing products to Malaysian Muslims, including pilgrimage-related savings. Comparable as a Sharia-compliant pooled fund manager offering member financing facilities at national scale.
• Bank Muamalat Malaysia Berhad: Malaysia's flagship Islamic commercial bank offering Sharia-compliant financing (including Tawarruq and Murabahah structures) to a broad retail and corporate base. Directly competes on the same Sharia financing products but serves an open market rather than a closed membership.
• TEKUN Nasional: Malaysian government-funded micro-financing institution providing Sharia-compliant financing to Bumiputera entrepreneurs. Comparable as a Sharia-compliant financing provider operating under a defined community mandate in Malaysia.
• Majlis Amanah Rakyat (MARA): Malaysian government agency providing financing, education, and welfare support to Bumiputera communities. Comparable as a public-mandated institution offering Sharia-compliant financing and welfare assistance to a defined community segment.
• Kumpulan Wang Simpanan Pekerja (KWSP / EPF): Malaysia's statutory employees' provident fund, pooling contributions from private and public sector employees including civil servants. Comparable as a large-scale member-contribution-based financial institution serving Malaysian employees.

Others

• Angkatan Koperasi Kebangsaan Malaysia Berhad (ANGKASA): National apex body for Malaysian cooperatives. KOJUPEM is affiliated with ANGKASA and uses its Biro Perkhidmatan Angkasa service bureau for loan processing, making ANGKASA both a structural partner and a sector reference point.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Customer concentration

• LinkedInlinkedin.com/company/jabatan-perpaduan-negara-kuala-lumpur

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jabatan Perpaduan Negara Kuala Lumpur