mykey by kopkarsyahbsi

mykey was created specifically to provide convenience for members of kopkarsyah BSI in controlling transactions in real time.

The features contained in the mykey application are:

+ perform member registration online.

+ view balances and deposit mutations.

+ online loan application.
kopkarsyah BSI has many financing products, such as Kopkar Multiguna, Kopkar One Day Approval, Kopkar Griya, Kopkar Paylater, and others.
each financing has its own contract, tenor and margin.
kopkarsyah BSI financing margin and tenor:
- Multipurpose Kopkar margin is divided based on the tenor of submission, namely 12 months tenor : 16%, 24 month tenor : 16.5%, 36 month tenor : 17%, 48 month tenor : 17.5%, 60 month tenor : 18.75%
- Kopkar Griya margins are divided based on the tenor of submission, namely 12 months tenor : 17%, 24 month tenor : 17%, 36 month tenor : 17%, 48 month tenor : 17.5%, 60 month tenor : 18.75%
- One Day Approval Kopkar margin is divided based on the tenor of submission, namely 12 months tenor : 12%, 24 month tenor : 24%

+ Paylater kopkarsyah BSI
To enjoy this facility, you must become a member of kopkarsyah BSI (Koperasi Karyawan Syariah BSI) and submit a paylater submission form from the application.

kopkarsyah BSI paylater limit is 20% of the mandatory deposit or based on an approved limit submission, the maximum is Rp. 2,000,000

- Paylater payment tenor is 1 to 6 months
- maximum margin is 14% per year or 1.167% per month
- Total Margin = ((transaction x margin)/12) x tenor

Paylater transaction example :
if you spend Rp. 200,000, you can use the kopkarsyah BSI paylater with a minimum repayment of 1 month and a maximum of 6 months.
the margin we charge is 14% per year (APR).
for example if you choose a tenor of 3 months, you will pay with the following details :
- Rp. 200,000 x 14% = Rp. 28.000
- (Rp. 28.000 / 12) x 3 = Rp. 7,000
So,
- your total repayment is = IDR 200,000 + IDR 7,000 = IDR 207,000
- Your monthly repayment is = Rp. 207,000 / 3 = Rp. 69,000 (flat per month for 3 months).

Examples of accelerated repayment :
- Paylater transaction = 200,000
- 5 months tenor
- Margin per month = (200,000 x 14%) / 12 = 2,333
- Installments that have been paid for 2 months = 80,000
- 3 months remaining bill = 120,000
- repayment = 120,000 + (2 x 2,333) = 124.666

+ view outstanding financing.

+ see the latest info about kopkarsyah BSI.

+ online purchases of food & drinks at the kopkarsyah BSI canteen.

+ Helpdesk is available for discussion of problems and questions based on related divisions.

+ FAQs.