CUMB Mobile

CUMB 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, CUMB Mobile is intended for CU Marganing Berkah members 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 Cooperative2. Transfer to the Bank, Members can transfer money anywhere in realtime3. 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 Tokens5. Payment of PPOB Bills such as: BPJS, Postpaid PLN, Telkom Group6. Invite Members, Members can register family, relatives, friends to become members without having to come to the cooperative office, anytime and anywhere.7. Submit a Loan, Members can apply for a loan without having to come to the cooperative office, anytime and anywhere after the application will be KYC by the CU Marganing Berkah cooperative before the loan is approved.Minimum Term : 3 MonthsMaximum Term : 48 MonthsAPR : 30%Max loan value IDR 100,000,000Risk fund of 1% of the loan valueService fee 1% goes to member shares0.5% capitalization savings go into member shares10,000 stamp dutyLoan Disbursement Simulation:For example :Loan value Rp. 5,000,000,-Term of 12 monthsTotal discount of 2.5% + 10,000 (for stamp duty)So :Disbursement Value (received) Rp. 4,865,000The amount of installments that must be paid per month is Rp. 541,666 (decreasing interest)With details :Principal : IDR 5,000,000 : 12 = IDR. 416,700 per monthInterest: Rp. 5,000,000 x 30% = Rp. 125.00 per month for the initial interest thereafter decreasedAccelerated payment:If a Member wants to make accelerated payments, there is no minimum installment that has been entered. And only pay the remaining principal and ongoing interest. For the next interest is abolished.8. Pay for QR Scan (Pay by Scan QR, Transfer to fellow users, Activity Attendance)9. Promotions / Advertisements10.News11. Product Info and Asset Info, Members can know/control the development of cooperative Assets and Products directly12. Business Space (Marketplace)13. Support14. Transaction History