For Koperasi · Akta Koperasi 1993 · ANGKASA-rail
The AI co-officer
your jawatankuasa wishes you had.
Bolehlah is built around how Malaysian koperasi actually operate — ANGKASA salary deduction, committee-driven approvals, Shariah-aware AKAD, members who message in BM and Chinese. One Officer replaces ~RM 3,500/mo of part-time underwriter cost. 30-day free pilot, no card.
ANGKASA / eSGPA · Shariah-aligned · BM + Chinese + English member portal
What we built for koperasi specifically
Generic credit-decisioning platforms don't speak ANGKASA, don't handle Section 8 cost disclosure, don't honour committee approvals. We do.
eSGPA + ANGKASA admin eats hours
Every Borang 1/79 + supporting docs through SOAP + SFTP. Bolehlah handles submit, edit, confirm, monitoring — all four ACTION codes wired, daily reconciliation cron, Telegram alerts on rejection.
Committee approvals slow loans down
Officer (AI underwriter) drafts the recommendation with full reasoning + DSR. Your jawatankuasa approves in 2 taps on Telegram instead of 2 days of back-and-forth.
Shariah-compliance documentation is fragile
AKAD chain with tamper-evident e-signatures, Section 8 cost disclosure on every loan, all 4 required signatures captured. Your SAC reviewer can audit 6 months in an afternoon.
Members ask the same questions on WhatsApp
B answers in Bahasa Malaysia, Chinese, English. Schedule queries, payment confirmations, AKAD walkthroughs — handled 24/7. Escalates to your CS lead the moment anything is sensitive.
Built for the koperasi reality
Shariah-aware by design
AKAD templates reviewed by Shariah Advisory Council framework. Murabaha cost disclosure built into Section 8. SAC alignment review available as add-on.
ANGKASA / eSGPA fully wired
Submit deductions (Borang 1/79), modify (2/79), monitoring sweep, rejection-email parser, daily reconciliation. Centralized credentials per tenant — your SOAP password never leaves your envelope.
Member portal in BM + Chinese + English
Every page member-facing translated from day one. Apply flow, AKAD reading, payment schedule, consent toggles — all three languages, member's preference auto-detected.
Committee-friendly approvals
Underwriter drafts → Telegram poll for jawatankuasa → 2-tap approve / refer / reject with reasoning. Audit trail captured. Bypassed only by Manager-tier with founder approval.
Collections that respect dignity
Collections Officer escalates with empathy first. Late member gets a warm BM check-in before any recovery process. ANGKASA salary deduction handles 95% of collection automatically.
BD onboarding in BM
Our BD lead speaks BM. Onboarding checklist in BM. We Telegram your owner with daily progress in BM through the 4-week setup. No surprises.
Pricing that fits koperasi economics
Most koperasi we talk to land on Starter or Growth. The free 30-day Pilot lets you prove it on real loans before committing.
Starter · Member Care
Existing book · up to 1,500 members · replaces ~RM 72K/yr of CS + admin
RM 2,400 / month · RM 28,800 / year · RM 80 / day
- B chatbox · member Q&A
- DB scan + owner alerts
- WhatsApp + Telegram
- No loan origination yet
Growth · Operations
Up to 25,000 members · replaces ~RM 720K/yr of loan-ops + CS
RM 24,000 / month · RM 288,000 / year · RM 800 / day
- Everything in Starter
- Loan origination · eKYC · AKAD
- Parallel agents per loan
- Named CSM
Prefer take-rate billing instead of fixed monthly? See Pay-as-you-grow at 1.5% of disbursed.
See it on your own loans this month.
30-day Pilot, 100 free decisions, no card. Convert to Starter only if it earns its fee. Walk away with your data either way.