The cooperative Commission of Malaysia (SKM) is an entity that was incorporated on 1 January 2008. MGS formerly known as Jabatan Pembangunan Koperasi Malaysia (JPK) and has been around since 1922.

1. Stimulating cooperative development and a strong cooperative sector and organized according to values as well as the principles of cooperatives to contribute towards the achievement of the objectives of the National socio-economic;
2. Encourage the sector its financial operatives, progressive and sustainable; and
3. Maintain confidence in the cooperative movement.

1. Encourage and maintain the stability of the cooperative sector;
2. Encourage and promote the development of cooperatives and the cooperative sector in an orderly manner;
3. Acting as trustee and for dealing with any Islamic financing scheme or a line of credit established by the Malaysian Government to cooperatives;
4. Advise the Minister on all matters relating to cooperatives and the cooperative sector;
5. Exercising any function under any other written law as required by the Minister, by notification published in the Gazette;
6. Responsible for the monitoring, supervision, and regulation of cooperatives and the cooperative sector;
7. To preserve the cooperative values and principles;
8. Register and cancel registration of cooperatives;
9. To conduct the appropriate environment for cooperatives to carry out their activities.

Visi SKM:

"Leaders of Excellence Cooperative For Making Effective Contributors to National Development"

Misi SKM:

1. Cooperatives are competitive, resilient, competitive, progressive and integrity;
2. Increased participation of cooperatives in various sectors of the economy;
3. Competent human capital and entrepreneurial culture.

• Registration of cooperative
• Capital Funds Financing Round
• Cooperative Development Assistance Grants
• Service accounts and auditing
• Legal advisory services

Permohonan pendaftaran koperasi secara atas talian.   

1. Panduan pengisian borang kebenaran pendaftaran koperasi secara atas talian adalah seperti berikut:

    i) Daftar Masuk ke Sistem Permohonan Atas Talian (Online) SKM (https://apponline.skm.gov.my/)
    ii) Isi bahagian maklumat asas koperasi, pemohon koperasi dan aktiviti koperasi.
    iii) Sahkan maklumat permohonan dan hantar permohonan.

2. Surat Kebenaran Pendaftaran akan diberikan dalam masa tiga (3) hari bekerja. Pemohon boleh menyemak dan mencetak surat tersebut secara atas talian.

Menghubungi SKM.

3. Rujuk Surat Kebenaran Pendaftaran bagi mendapatkan maklumat pegawai dan SKM Cawangan Negeri yang telah ditetapkan untuk dihubungi.

4. Suruhanjaya akan mengemukakan Kit Pendaftaran Koperasi kepada pemohon sebagai panduan bagi permohonan pendaftaran koperasi yang mengandungi:

(i) GP12: Garis Panduan Berkenaan Dengan Pendaftaran Koperasi

Lampiran A : Contoh Minit Mesyuarat Agung Permulaan
                  ➢ Senarai Kehadiran Orang Yang Layak Menjadi Anggota
                  ➢ Contoh Belanjawan Tahunan

Lampiran B : Butiran Undang-undang Kecil

Lampiran C : Permohonan Bagi Pendaftaran Koperasi di bawah Jadual Pertama

Lampiran D : Helaian Terakhir Undang-undang Kecil

Lampiran E : Borang Fi Pendaftaran

(ii) Format Undang-undang Kecil Seragam.

Mesyuarat Agung Permulaan.

5. Pemohon perlu mengadakan Mesyuarat Agung Permulaan dalam tempoh 30 hari bekerja dari tarikh Surat Kebenaran Pendaftaran diterima. Bilangan anggota koperasi hendaklah sekurang-kurangnya 20 orang.

6. Borang permohonan pendaftaran koperasi dan dokumen-dokumen yang berkaitan hendaklah dikemukakan kepada Suruhanjaya dalam tempoh tidak lewat daripada dua minggu (14 hari) dari tarikh mesyuarat agung permulaan seperti berikut;

i) memuat naik secara atas talian melalui sistem e-Daftar; dan/atau

ii)menghantar salinan cetak kepada pejabat Suruhanjaya Wilayah atau Negeri.

Terima Sijil Pendaftaran Koperasi.

7. Pemohon akan menerima sijil pendaftaran koperasi dan naskhah Undang-Undang Kecil Koperasi dalam tempoh 28 hari bekerja daripada tarikh dokumen permohonan pendaftaran dikemukakan kepada Suruhanjaya.

* Rujuk GP12: Garis Panduan Berkenaan Dengan Pendaftaran Koperasi untuk penjelasan lebih lanjut. 

All co-operative society registered under the co-operative Societies Act 1993 (Act 502) are eligible to apply.

i. Capital Rounds

ii. Housing

iii. Land/Building

iv. Farming/Livestock/Agriculture

v. Vehicle/Machinery

• Maximum limit for a cooperative financing was $10 million, the cooperative school is eligible to apply for funding up to a maximum of RM50,000.00 only;
• Funded project implemented by the cooperative;
• Financing up to 90% of the cost of the project or the current value of the collateral, whichever is lower;
• Total not more than 90% of the value of the collateral assets and 100% for fixed deposits;
• Income from the proposed project can repay the financing;
• The maximum period of repayment for funding <RM50,000 – 5 years, >RM50,000 to RM10 million – 20 years.

1. Fixed assets such as land and buildings;
2. Indent work;
3. Bank fixed deposits;
4. Vehicle

1. Financing for projects of subsidiaries;
2. Stock investing;
3. Project contrary to Islamic law

1. Profit rate/low interest i.e. 1%–6% and is calculated based on the monthly balance subject to the financing amount;
2. The period of delay (grace period) can be given up to six months without profit/interest;
3. Second and subsequent financing may be considered provided that satisfactory repayment record (no arrears).

1. Payment process applies at a rate of 0.07% for every RM1.00 approval;
2. Minimum – RM7.00; Maximum – RM700.00;
3. Financing agreement – RM1.00

1. Use the application form which is available at the State, Territory and the SKM Website MGS;
2. The cooperative must submit the following documents:

• Project papers;
• Cash flow projections and estimated profit and loss of the project;
• The audited financial statements up to date;
• An extract of the minutes of general meetings and Board meetings;
• The statement of receipts and payments and bank statements for three months;
• Other documents that can support applications;
• Applications must be submitted to the Office of MGS that oversees the cooperative concerned.

i. Basic Assistance (maximum of RM30, 000)

a. Sub physical assistance

Intended to help provide the basic infrastructure for co-operative business premises or places where the cooperative activities will be ongoing as modifications/premises/shops, provision of equipment and production equipment, machinery and so on.

b. Sub new cooperative assistance

Intended to help provide basic infrastructure as an encouragement or incentives to cooperatives-cooperative newly registered to start the activity/business viable.

ii. Assistance in strengthening/enhancement (Minimum RM30, 000)

Aimed at strengthening and consolidating activities/co-operative business so that the services provided to members, so that the image of cooperatives among society and the contribution of co-operatives in national development be enhanced, in line with the National Cooperative Policy (DKN).

iii. Modernization assistance cooperative store (a maximum of RM50, 000)

This aid aims to modernize and forming consistency of brands at the grocery store cooperative to increase the ability to be more competitive

The application shall be sent to the headquarters of the MGS through MGS State. Applications must be made using the application form for development assistance. For applications that exceed RM30,000.00, project papers shall be prepared.

i. Information required

1. The application form;
2. Letter of support SKM Territory and State;
3. Problems facing cooperatives;
4. List of detailed requirements and costs;
5. Draw the minutes of meetings of the Board;
6. Other information and photographs support;
7. Statement of receipts and payments for 3 months;
8. Audit reports 2 years up to date.

ii. Application Fee

No application fee charged.

iii. The Secretariat Of The Development Assistance

The Secretariat manages the development assistance as part of the policy and planning development, the Cooperative Commission of Malaysia.

iv. MCSC Development Assistance Committee

Application of cooperative assistance will be considered and decided by the MCSC Development Assistance Committee.

Yes, applicants can access the site CERTIFICATE in http://www.skm.gov.my/  for more information. 

The cooperative means a body people autonomous Emirates on a voluntary basis to meet the needs and aspirations of economic, social and cultural of the same by an enterprise owned jointly and individually-controlled democracy registered under the co-operative Societies Act 1993.

i. Implement cooperative economic activities to meet the needs of its members;

ii. The cooperative is not for political purposes. Members may not use cooperatives as a platform for politics;

iii. The cooperative is not a trade union. The cooperative concept is mutual help, not a confrontational approach to claiming workers' rights;

iv. The cooperative is not a charitable organization;

v. Co-operative members manage and control the co-operative’s operations based on acts, regulations, and the cooperative’s by-laws;

vi. Shares and fees contributed by members serve as business capital for the cooperative;

vii. Every member has equal rights in making decisions about the cooperative’s future;

viii. The liability of members is limited to their capital contributions or share price only;

ix. Cooperatives prioritize members' needs and services ahead of profit-seeking.

i. Voluntary and Membership;
ii. Democratic control by members;
iii. Member involvement in economic activities;
iv. Freedom of autonomy;
v. Education, training and information;
vi. Cooperation among cooperatives;
vii. Concerned to the community.

i. Anggota memiliki koperasi melalui modal syer dan yuran yang disumbangkan di samping menjadi pengguna perkhidmatan dan barangan yang ditawarkan oleh koperasi. Dengan ini anggota berhak menentukan jenis barangan dan perkhidmatan yang diperlukan.

ii. Koperasi menawarkan barangan berkualiti pada harga yang berpatutan kepada anggota-anggotanya. Di samping itu, koperasi juga menyediakan kemudahan tabungan yang terjamin dan kemudahan pinjaman pada kadar faedah yang berpatutan.

iii. Anggota-anggota menikmati pulangan atas langganan, modal yang disumbangkan dan penyertaan aktif di dalam pengurusan dan aktiviti koperasi. Sebahagian daripada keuntungan koperasi diperuntukkan kepada tabung kebajikan anggota bagi membiayai aktiviti-aktiviti kebajikan seperti tabung pendidikan anak-anak anggota, khairat kematian dan sumbangan kepada aktiviti-aktiviti kemasyarakatan.

The cooperative is an entity registered as a different business entity. This means that the cooperative can perform business activities as set out below:

i. Banking and credit;
ii. Agriculture;
iii. Housing;
iv. Industrial;
v. Users;
vi. Construction;
vii. Transport;
viii. Service

However, under the plan of action of the National Cooperative Policy (DKN), co-operatives are encouraged to engage in the 5 high-impact economic activity areas, namely:

i. Financial services
ii. Wholesale and retail trade
iii. Travel, personal care and wellness
iv. Agriculture and agro-based industry
v. Plantation