My Smart Telco

KOPTEL

About this app

KOPTEL is a secondary cooperative within PT Telekomunikasi Indonesia Tbk, with a certificate of Cooperative Identification Number 32732000020027. The initial idea for establishing KOPTEL came from Mr. Cacuk Sudariyanto, TELKOM's CEO at that time, KOPTEL was founded on November 21, 1990 under the name of Telecommunication Joint Main Services Cooperative and subsequently changed its name to PT Telekomunikasi Indonesia Cooperative (KOPTEL) with Deed of Establishment No.8307/1990 with the latest Articles of Association Deed of Amendment to the Articles of Association of PT Telekomunikasi Indonesia Cooperative No.05 dated February 21, 2012. KOPTEL is a cooperative unit that is quite unique because its members are Employee Cooperatives and Employee Cooperatives within the Telkom Group, but the initial operational capital of KOPTEL comes from Member Savings and Compulsory Housing Savings (TWP) of Telkom Employees. In connection with this, KOPTEL services are not only intended for KOPEGTEL and KOPKARTEL but also for TELKOM Employees. KOPTEL is located at Jl. Ciwulan No. 23, Cihapit Village, Bandung Wetan District, Bandung City 40133, WEST JAVA Province.

PERSONAL LOANS
1. TELCO SUPER
Description:
Multipurpose financing without collateral specifically for TelkomGroup employees for various personal (non-productive) needs.

Key Features:
⦁ Loan limit of up to IDR 500 million, depending on repayment capacity
⦁ Term of up to 10 years
⦁ Fixed installments throughout the loan period
⦁ No BI Checking

2. TELCO HOME
Description:
Home ownership financing (KPR) services secured by a house certificate and building permit (IMB).

Key Features:
⦁ Loan limit up to 80% of collateral value, depending on installment capacity
⦁ Term up to 10 years
⦁ Fixed installments
⦁ No BI Checking

3. TELCO VEHICLE
Description:
Vehicle ownership financing for TelkomGroup employees, with a flexible scheme based on vehicle value.

Key Features:
Ceiling:
⦁ 100% of vehicle value if ⦁ 80% if vehicle value >Rp 500 million
⦁ Term up to 10 years
⦁ Fixed installments
⦁ No BI Checking
Collateral:
⦁ No collateral if financing ⦁ Vehicle Ownership Certificate (BPKB) collateral if financing >Rp 500 million

4. TELCO SUPER FLASH
Description:
Fast, unsecured consumer loans for TelkomGroup employees, suitable for urgent short-term needs.

Key Features:
⦁ Loan ceiling: IDR 5 million – IDR 25 million
⦁ Maximum tenor: 6 months
⦁ Fixed installments
⦁ No BI Checking

SIMULATION EXAMPLE:
If you borrow IDR 10,000,000 for 6 months with a 2% annual interest rate, then:
⦁ Total interest: IDR 200,000
⦁ Total payment: IDR 10,200,000
⦁ Monthly installment: IDR 1,700,000