Koperasi Pembangunan Pendidikan Berhad

Scholarship & Retirement Fund

  • Vision

    Koperasi Pembangunan Pendidikan Berhad aspires to bring positive and sustainable changes to the nation by promoting healthy financial management.

    Mission

    • To encourage and motivate Malaysians to create a viable financial plan for their children’s education.
    • To provide the funds (scholarship) for higher education.
    • To provide End to End Tertiary Education and Career Guidance.
    • To encourage and motivate Malaysians to create a viable financial plan for their retirement.

    Our Values

    At KOPP our motto is a People Oriented Service.
    • Always do what is right.
    • Honest and straightforward.
    • Operate within Integrity.
    • Uphold the Foundation’s values and principles in every action and decision.

    Principles

    We are guided by the following principles:
    • Being strategically focused in KOPP’s work
    • Operating within clearly articulated and aligned objectives and strategies.
    • Performing tasks that add value to customers
    • Simplifying, standardizing, and streamlining tasks to reduce bureaucratic red-tapes.

    Our Services

    At present KOPP provides the following services:
    • Higher Education Scholarship Fund
    • End to End Higher Education and
    • Career Guidance
    • Offering University Franchise programmes & Corporate Training – HRDF Claimable
    • Retirement Plan
    • Saving Plan

    Chairman's Message

    Koperasi Pembangunan Pendidikan Berhad was established with the primary objective of offering financial plans that help tertiary education fundingand retirement benefits . Koperasi Pembangunan Pendidikan Bhd is the only cooperative in Malaysia that has been given the approval to offer Scholarship and Retirement Funds to its members.

    Koperasi Pembangunan Pendidikan Bhd. (KOPP Bhd.) was setup in Mid 1993 and was duly registered on 3rd January 1994 with Jabatan Pembangunan Koperasi (then under Ministry of Land, Mines & Co-operative) to manage and administer the KOPP Scholarship Fund.

    The KOPP Scholarship Fund was modeled after the Canadian and Australian Scholarship Trust Fund. This fund propagates the idea of making early provision financially thus, buying into a "Lock-in" system projected ahead to ensure a "Study Scholarship" for their children.

    Since the idea of a (“lock-in”) system represented the future and being "Visionary" , the element of trust became a major issue. To instill confidence, KOPP came up with a structure and framework designed to provide both, security and assurance on the investment made. The following are the components involved in formulating and managing the Scholarship and Retirement Funds:A. Consultant ActuariesB. TrusteeC. Fund ManagerD. Family Protection Benefits (Payor Death Benefit)

    While KOPP Bhd plays the role of administrator and the marketing in the overall management of the KOPP Scholarship and Retirement Funds. This, in effect is also in compliance with the Society's Act, i.e. to ensure that funds received from Members' of our Scholarship Fund are well appropriated and successfully managed.

    Our Track Record


    Koperasi Pembangunan Pendidikan Bhd was established in 1993 with the sole purpose of creating a sustainable education fund for its members. Since 2002 the fruit of the diligent effort of KOPP showed significant results. To date KOPP has paid out close to 30 million on members investments. The table below shows the detail of the scholarship paid out by KOPP.

      2002-2014 2015 2016 2017 2018
    (as at 9/10/2018)
    MEMBER'S RETURN 6,700,226.07 1,466,032.38 1,179,003.55 1,927,117.45 1,099,509.09
    SCHOLARSHIP 9,294,747.48 2,144,271.40 1,240,057.44 1,677,075.22 995,107.05
    TOTAL 15,994,973.55 3,610,303.78 2,419,060.99 3,604,192.67 2,094,616.14


    Our Products

    Higher Education Scholarship Fund - Conventional


    Koperasi Pembangunan Pendidikan Bhd was established in 1993 with the sole purpose of creating a sustainable education fund for its members. Since 2002 the fruit of the diligent effort of KOPP showed significant results. To date KOPP has paid out close to 30 million on members investments. The table below shows the detail of the scholarship paid out by KOPP.

    1. Parents/Guardians can purchase one or more units for children below the age of 10 years and make periodical contribution towards the fund.
    2. When child attains the age of 18, all contributions are fully refunded to member.
    3. When child continues onto Post-Secondary studies, the child will receive the Scholarship.
    4. The Scholarship is awarded to children who pursue full time courses at Universities/ Colleges.
    5. Studies can be undertaken anywhere in the world.
    6. In the event a child goes to post secondary studies prior to 18, all contributions up to the time of entering a college are refunded and the child receives the scholarship on a Pro-Rata basis.

    7. In the event a child is still enrolled as a full time secondary school students upon reaching age 18, all contributions are first refunded and the member can request in writing for the scholarship to be kept in trust for 2 years.
    8. Scholarship are paid directly to parents whilst in college.
    9. Scholarships are awarded even if children receive other scholarships.
    10. The Fund is held by appointed Trustees


    SHOULD MEMBER DIE OR BECOME TOTALLY DISABLED

    All contributions up to the time of death or total disability, is refunded to the "payor". No further contribution towards the KOPP Scholarship Fund is required. The member's child will receive the free Scholarship in the normal manner when he/she continues on to post-secondary education.

    KOPP SCHOLARSHIP FUND - CONTRIBUTION AND BENEFITS

    REGULAR CONTRIBUTION

    AGE

    Monthly

    Quarterly

    1/2 Yearly

    Yearly

    Premium

    Member's return

    Projected Scholarship

    Total  Return

    0

            81.05

          243.16

          462.63

           909.47

           789.47

       15,000.00

       10,315.00

       25,315.00

    1

            85.00

          255.00

          485.00

           953.33

           833.33

       15,000.00

          9,616.00

       24,616.00

    2

            89.41

          268.23

          510.00

       1,002.35

           882.35

       15,000.00

          8,940.00

       23,940.00

    3

            94.38

          283.13

          538.13

       1,057.50

           937.50

       15,000.00

          8,288.00

       23,288.00

    4

          100.00

          300.00

          570.00

       1,120.00

       1,000.00

       15,000.00

          7,657.00

       22,657.00

    5

          106.43

          319.29

          606.43

       1,191.43

       1,071.43

       15,000.00

          7,048.00

       22,048.00

    6

          113.85

          341.54

          648.46

       1,273.85

       1,153.85

       15,000.00

          6,460.00

       21,460.00

    7

          122.50

          367.50

          697.50

       1,370.00

       1,250.00

       15,000.00

          5,891.00

       20,891.00

    8

          132.73

          398.18

          755.46

       1,483.64

       1,363.64

       15,000.00

          5,342.00

       20,342.00

    9

          145.00

          435.00

          825.00

       1,620.00

       1,500.00

       15,000.00

          4,810.00

       19,810.00

    Above Monthly Contribution is inclusive of miscellaneous cost per unit:-
    Administration Charges & Insurance : RM 10.00 One time Enrolment Fee (per child) : RM 100.00
    * KOPP Share : RM 100.00 (Minimum)
    * Note :
    1. KOPP Share to be refunded when membership relinquished
    2. Dividend to be paid

    KOPP Retirement Plan


    This is a specially designed plan that gives maximum returns on your retirement and offers you the financial support when you need it most. Furthermore, investing in this plan is a very wise decision as it ensures that you retire the way you want it and continue to live the lifestyle that you are so used to. With KOPP Retirement Fund, it's never been easier to start saving, whether you've just graduated or have been working for a few years. It is a simple way to build a solid financial base for your retirement years.

    The Earlier You Save, The Greater Your Savings The sooner you start saving for retirement, the more time your money has the potential to grow and the harder your money works for you. But even if you didn't start early, it pays to start now. Contributing regularly is the key. Use our tools and see the direct benefits of how your investment works for you and how systematic savings in a non-profit organization like KOPP can pay you substantial dividends.

    Give Priority To Saving In A Retirement Fund. Your Financial Security Tomorrow Depends On How You Save Today. A time-proven technique is to set aside some cash from your income to save in a retirement fund before you have a chance to pay other expenses. Set up systematic withdrawals from your salary and deposit into your Savings or Retirement Plan. That way you'll save regularly and you won't "forget" and spend the cash elsewhere.

    KOPP RETIREMENT FUND - CONTRIBUTION AND BENEFITS

    REGULAR CONTRIBUTION

    AGE

    Monthly

    Quarterly

    1/2 Yearly

    Total

    Admin

    Premium

    Member's Investment

    Maturity at age 55

    Maturity at age 60

    20

              69.53

          208.59

          417.18

          834.36

          120.00

          714.36

    25,002.60

    67,747.28

    90,609.25

    22

              73.15

          219.45

          438.90

          877.80

          120.00

          757.80

    25,007.40

    63,705.94

    85,703.41

    23

              75.12

          225.36

          450.72

          901.44

          120.00

          781.44

    25,006.08

    61,783.59

    83,387.11

    24

              77.21

          231.63

          463.26

          926.52

          120.00

          806.52

    25,002.12

    59,923.49

    81,158.61

    25

              79.50

          238.50

          477.00

          954.00

          120.00

          834.00

    25,020.00

    58,180.50

    79,093.49

    26

              81.85

          245.55

          491.10

          982.20

          120.00

          862.20

    25,003.80

    56,421.37

    77,011.97

    27

              84.42

          253.26

          506.52

      1,013.04

          120.00

          893.04

    25,005.12

    54,763.63

    75,075.16

    28

              87.16

          261.48

          522.96

      1,045.92

          120.00

          925.92

    24,999.84

    53,150.20

    73,206.73

    29

              90.15

          270.45

          540.90

      1,081.80

          120.00

          961.80

    25,006.80

    51,618.97

    71,460.61

    30

              93.35

          280.05

          560.10

      1,120.20

          120.00

      1,000.20

    25,005.00

    50,123.48

    69,774.74

    31

              96.82

          290.46

          580.92

      1,161.84

          120.00

      1,041.84

    25,004.16

    48,682.16

    68,176.81

    32

            100.60

          301.80

          603.60

      1,207.20

          120.00

      1,087.20

    25,005.60

    47,295.37

    66,670.05

    33

            104.70

          314.10

          628.20

      1,256.40

          120.00

      1,136.40

    25,000.80

    45,945.19

    65,232.30

    34

            109.20

          327.60

          655.20

      1,310.40

          120.00

      1,190.40

    24,998.40

    44,646.21

    63,887.73

    35

            114.20

          342.60

          685.20

      1,370.40

          120.00

      1,250.40

    25,008.00

    43,412.95

    62,661.86

    36

            119.65

          358.95

          717.90

      1,435.80

          120.00

      1,315.80

    25,000.20

    42,192.38

    61,483.52

    37

            125.75

          377.25

          754.50

      1,509.00

          120.00

      1,389.00

    25,002.00

    41,029.68

    60,424.28

    38

            132.55

          397.65

          795.30

      1,590.60

          120.00

      1,470.60

    25,000.20

    39,900.88

    59,457.06

    39

            140.21

          420.63

          841.26

      1,682.52

          120.00

      1,562.52

    25,000.32

    38,813.57

    58,602.65

    40

            148.90

          446.70

          893.40

      1,786.80

          120.00

      1,666.80

    25,002.00

    37,765.51

    57,870.05

    41

            158.85

          476.55

          953.10

      1,906.20

          120.00

      1,786.20

    25,006.80

    36,757.43

    57,276.21

    42

            170.30

          510.90

      1,021.80

      2,043.60

          120.00

      1,923.60

    25,006.80

    35,776.33

    56,821.23

    43

            183.60

          550.80

      1,101.60

      2,203.20

          120.00

      2,083.20

    24,998.40

    34,816.49

    56,522.18

    44

            199.45

          598.35

      1,196.70

      2,393.40

          120.00

      2,273.40

    25,007.40

    33,912.60

    56,472.09

    45

            218.35

          655.05

      1,310.10

      2,620.20

          120.00

      2,500.20

    25,002.00

    33,019.61

    56,648.26


    Above Monthly Contribution is inclusive of miscellaneous cost per unit:-
    Administration Charges & Insurance : RM 10.00
    One time Enrolment Fee (per child) : RM 100.00
    * KOPP Share : RM 100.00 (Minimum)
    * Note :
    1. KOPP Share to be refunded when membership relinquished
    2. Dividend to be paid

    End to End Higher Education and Career Guidance


    The Higher Education is responsible to assist and facilitate students in getting places in private higher education institutions in Malaysia. KOPP had conducted extensive market research to offer uncompromised advice relating to studying in Malaysia. This is a one-stop information centre for students wishing to study in Malaysia. KOPP is committed to providing the most comprehensive information on international education.

    1. Provide educational directory within Malaysia.
    2. Coordinating student participation in post-secondary education seminars, admission workshops and information displays.
    3. Coordinating the placement of students in line with the student’s choice of study area and university/college.
    4. Providing comprehensive directory of information and programs offered, fees charged etc to help students make informed educational choices.
    5. Responding to inquiries about admission requirements and application procedures.

    6. Facilitating and forwarding requested information such as calendars, overviews, summaries and program brochures.
    7. Organizing application and admission workshops and campus tours.
    8. Advising students about new programs and changes to existing programs.
    9. Facilitating the placement of students in various areas of study.
    10. Providing advice to students on various aspects of a student’s life.
    11. Facilitate evaluation of qualifications.
    12. Facilitate articulation of foreign curricula to the Malaysia curriculum for transfer credit purposes.



    We have strived to build relationship with many colleges and universities in Malaysia and UK. Here is a list of partner colles and universities that our member's children can further their studies.

    1. UOWKDU
    2. UCSI University
    3. University of Cyberjaya
    4. Geomatika University College
    5. City University

    6. King's College
    7. Epitome College
    8. Vision College
    9. AIMST University
    10. AMU University
    11. Newton College



    Each of our partner colleges and/or universities has agreed to give KOPP members and their children a 15%-20% discount on tuition fees for all programs being offered by their respective institutions.

    Note: All members who wish to take up this special offer must make their college/university application through the KOPP office ONLY in order to enjoy the benefit of the discount being offered by partner college and/or universities listed above.

    Contact Details

    KOPERASI PEMBANGUNAN PENDIDIKAN BERHAD - (KOPP)
    Business Hour :
    Monday to Friday ( 9.00am to 5.00pm )
    Closed on Saturday, Sunday and Public Holiday



    No. 15-2 (2nd Floor), Jalan USJ 1/1B,
    47620 Subang Jaya, Selangor, Malaysia
    Tel : +603-80247734
    Fax : +603-80248062
    Email : membershipservices@koppbhd.com

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