Veron Legacy Consultancy

很多人 不了解 Ko-Khawan，其实合作社在马来西亚是一个成熟的机构。我们都是受官方认证，有着法律的约束以及SKM 的监管

要明白监管的意思，合作社需要提交audit report给SKM审核，所有东西都是严格要求
而不是别人口中的“注册一间公司就可以赚钱”，“随时倒闭找不到人”—SKM 是不会让事情发展到如此地步

不要忘了法律责任，所有都是跟着法律条规的哦💕
所以先了解、后评论❤️

恭贺Bank Rakyat在2025财年交出亮眼成绩，宣布派发18%股息，总额达RM5.347亿，展现出卓越的经营能力与稳健的增长实力。

这一成绩再次印证了合作社的借贷模式在合规经营与稳健管理下，具备强大的韧性与长期价值。值得强调的是，Ko-Khawan与Bank Rakyat同样受Suruhanjaya Koperasi Malaysia（SKM）的严格监管，在治理、透明度与风险管理方面遵循一致的高标准框架。

同时，Ko-Khawan与Bank Rakyat一样，深耕于合作社贷款业务，专注于具备稳定收入来源的公务员群体，建立稳固的现金流与高确定性的还款结构。特别感谢ANGKASA的支持，其完善的薪资扣款系统为Ko-Khawan的贷款业务提供了强劲的回款能力，并有效实现极低的坏账率。这种以制度保障与纪律为核心的业务模式，是合作社能够持续稳健发展的关键。

在SKM监管体系与合作社借贷模式的基础上，Ko-Khawan将持续以Bank Rakyat为标杆，精进管理、强化风控、提升运营效率。我们坚信，只要坚持合规、专注核心业务，Ko-Khawan同样能够走出一条稳健成长之路，逐步交出属于自己的亮眼成绩。

Congratulations to Bank Rakyat on delivering an outstanding performance for FY2025, declaring an 18% dividend amounting to RM534.7 mill, reflecting strong operational excellence and sustainable growth.

This achievement once again demonstrates that the cooperative lending model, when grounded in compliance and disciplined management, possesses strong resilience and long-term value.

It is worth highlighting that Ko-Khawan, like Bank Rakyat, operates under the strict supervision of Suruhanjaya Koperasi Malaysia (SKM), adhering to the same high standards in governance, transparency, and risk management.

Ko-Khawan, similar to Bank Rakyat, focuses on cooperative credit financing, particularly serving civil servants with stable income streams. This creates a strong and predictable cash flow structure with high repayment certainty.

We would also like to express our appreciation to ANGKASA for its support. Its salary deduction system significantly strengthens Ko-Khawan’s collection capability and contributes to a very low default rate. This disciplined, system-supported model is a key factor behind the sustainable growth of cooperatives.

Built on the foundation of SKM’s regulatory framework and the cooperative lending model, Ko-Khawan will continue to benchmark against Bank Rakyat, enhancing management capabilities, strengthening risk controls, and improving operational efficiency.

We firmly believe that by staying committed to compliance and focusing on core business, Ko-Khawan will steadily progress and deliver strong and sustainable results of its own.

News: https://www.bankrakyat.com.my/portal-main/news

【敲碗已久的AI速成班来啦!】

一起来学习从基础概念到实际应用，掌握人工智能在工作与生活中的实用技能。

无论你是AI新手，还是希望提升效率的职场人士，这堂课都能让你有所收获。
看看AI可以怎样为您提升价值!

两个小时和Kingsley 一起学会：
✅ AI基础逻辑 (让大家真正理解 AI 怎么运作)
✅ 生成式AI实战 (现场做出成果)
✅ 搭建个人AI知识库 (提升长期效率)

记得确保手机电池🔋满满🔥

请填写以下资料完成报名。名额有限，先到先得。

📅日期: 5/5/2026 (星期二)
🕐 时间: 7PM - 9:30PM
📍地点: Khawan Group Event Hall, Level 27, The MET Corporate Towers, 20, Jalan Dutamas 2, Kompleks Kerajaan, 50480 Kuala Lumpur

🔗 立即报名，锁定你的名额：https://tinyurl.com/kkwmembersday005

赚钱的定义是什么？
被动收入才是赚钱的关键
ko-khawan 提供了最好的储蓄平台
可以在存钱的同时，赚取利息
还可以安全的传承给下一代

大阪之行圆满结束 🇯🇵
公司全程高规格安排与贴心接待，让整个行程既高效又舒适。
在工作与体验之间，找到了很好的平衡。
还有很好的酒店W Osaka 真的很舒服 ❤️

看了樱花🌸
体验了Go Kart😜
吃了美食😍
拍了照片、留下满满的回忆💕

下一站、出发🛫
继续努力工作😂

Don’t just earn. In today’s fast-paced world, knowing how to earn is no longer enough. Prices are rising, expenses are growing, and managing your money wisely has become more important than ever.

Technology and lifestyle changes mean we face new financial challenges every day. From rising living costs to planning for your children’s future or building a retirement fund, simply earning a salary won’t get you far.

This is where Ko-khawan steps in. We help you take control of your finances, whether it’s smart savings or personal loan assistance. The goal is not just to earn, but to make your money work for you, giving our member stability, security, and growth in this competitive era.

Plan smarter today, so you can live with confidence tomorrow.

赚钱很重要，但是，在这个节奏越来越快，成本不断上升的时代，只会赚钱，已经不足够。

生活开销的增加，子女教育金也需要准备，退休金更不能被忽视。单靠薪水，是难以支撑接下来的长远规划。

时代在改变的同时，财务上也会有不同的挑战。与其被动，不如主动规划你的财富，让你的资金有更好的方向，每一份收入都能为未来铺路

Ko-khawan的角色，不只是提供方案，而是协助你建立更清晰的结构与更稳健的基础。无论是储蓄安排、资金周转，还是长期规划，我们希望帮助会员把收入转化为稳定与成长。

今天多一分规划，明天多一分安心。

As Syawal arrives with warmth and blessings, may this festive season bring peace, joy, and meaningful moments with your loved ones. Let this Hari Raya be a time of gratitude, forgiveness, and togetherness as we celebrate the beauty of new beginnings. 🌙✨

Selamat Hari Raya Aidilfitri from all of us at KEY Circles. May this celebration bring happiness, barakah, good health, and continued success to you and your family. 💙

TogetherInCelebration

Women carry responsibilities, nurture families, build careers, and continue to grow through every stage of life.

Today, we honor the courage to choose, the strength to endure, and the wisdom to rise again.

At Ko-khawan, we believe every woman deserves stability, respect, and the opportunity to build a future with confidence.

Happy International Women’s Day.