My Kopkar

This application is specifically designed for members of the Toyota Employee Cooperative, providing easy access to financial information and cooperative services. It is not a digital wallet or a financial service that enables money transfers or electronic storage. All amounts displayed in the app represent plafond values that can be used within the cooperative ecosystem, not transferable cash balances.

Key features include:

1. Loan Services
Cooperative loans are available with a minimum tenor of 2 months and a maximum depending on the loan type — for example, QORD10 offers up to 10 months.
Repayment is automatically deducted from the member’s salary based on the loan period.
There is no Annual Percentage Rate (APR), but a service fee of 2.5% per loan applies, along with a Rp10,000 transaction fee for purchases of goods and services.
Example: For a Rp1,000,000 loan with a 5-month term, the monthly payment is Rp210,000 over 5 months.

2. Savings Information
Displays mandatory and principal savings, which are only usable within the cooperative.
Easily check balances and transaction history.

3. Point Information
Manage cooperative points, which can be used for internal cooperative needs.

4. POS Cafe Transactions
Members can conveniently make purchases and transactions at Toyota Cafe locations using the app, fully integrated with the cooperative ecosystem.

This app is exclusively for active members of the Toyota Employee Cooperative and cannot be used for transactions outside the cooperative. We are committed to delivering financial services that are transparent, secure, and limited to the Toyota employee cooperative ecosystem.