Our Quality Policy

SKM is determined to provide profesional, efficient and quality services within the duration promised, in order to fulfil client satisfaction. This process involves teamwork, management review as well as comprehensive and continuous enhancement.

In order to achieve the objectives, SKM has implemented the quality management system in line with the MS ISO 9001:2008 requirements, among the employees of SKM and this involves the commitment from the top management.

SKM constantly identifies the deficiencies within the organisation and strives towards overcoming the deficiency by implementing continuous quality management system enhancements.

All Divisional and State Directors are constantly responsible in monitoring and studying the performance of their respective Division/ State and will take immediate enhancement actions in the event that the performance is below than the target anticipated.

Quality policies are delivered to all SKM staff and community through mediums such as posters, meetings, discussion and intranet.

The quality policies are regularly reviewed in order to fit to the organisational needs.

Quality Objectives

The following SKM quality objectives have been prescribed to ensure that quality policies can be achieved:

Registration of Co-operative

Ensure co-operative registration is carried out within 28 working days from the receipt date of the completed and proper Application Document until the Co-operative Registration Certification is issued and posted to the co-operatives.

Registration of Co-operative By-Laws and (or) Its Amendment

Ensure registration for amendment to co-operative by-laws is implemented within 38 working days from the receipt date of the completed and proper Application Document until the Co-operative By-laws Amendment Certification is issued and posted to co-operatives.

Auditing of Co-operative Accounts

Ensure that the completed and proper co-operative accounts are audited within 55 working days from receipt date until the date of Auditor Report and Auditor Management Report are signed and posted to the co-operatives.

Application for Tabung Modal Pusingan (TMP-JPK)

Ensure that result of the complete and proper TMP-JPK loan/ financing application is released within 40 working days from the receipt date to the date of the TMP-JPK Trust Fund Committee Meeting results which is posted to the co-operatives.

Co-operative Complaints

Ensure that the complaints received pertaining to the co-operative is taken action and resolved within 21 working days from the receipt of the explanation until the date the complaint letter is responded to and posted to the complainer.

De-registration of Co-operative

Ensure that the co-operative de-registration process is completed within 70 working days from the recommended date until the date the Co-operative Deregistration Decree is issued from SKM Executive Chairman; and is posted to the co-operative.

Application for Co-operative Auditing by Private Auditor

Ensure that any application from private auditor is processed and completed within 14 working days upon receiving complete and proper application document from online application until certification approval to audit is issued and e-mailed to applicant.

Application for Dividend

Ensure that the approval for dividend through online application is processed and completed within 14 working days upon receiving complete and proper application document online, until approval for dividend is issued and e-mailed to co-operative.

Application for Honorarium

Ensure that the application for honorarium payout is implemented within 14 working days upon receiving complete and proper application document online, until approval for honorarium payout is issued and e-mailed to co-operative.

Management Feedback / FAQ

Ensuring questions / general feedback received from customers are answered within 3 working days from the date of receipt until the date of inquiry sent to the customer feedback.