Mengenai KOWARIS

KOPERASI WARISAN EMAS BERHAD (Nombor Pendaftaran: 202162501486) atau lebih dikenali sebagai (KOWARIS) adalah sebuah koperasi yang didaftarkan di bawah Suruhanjaya Koperasi Malaysia pada 15 Julai 2021 di bawah Subseksyen 7(1) Akta Koperasi 1993.
KOWARIS bercita-cita untuk menjadi sebuah bank koperasi sepenuhnya dengan penubuhan bank koperasi yang patuh Shariah yang dapat berfungsi sebagai pemangkin untuk kemajuan masyarakat dan ekonomi Muslim.
KOWARIS juga telah mendapatkan kelulusan untuk melaksanakan kemudahan kredit dan memiliki kod potongan gaji dari Angkatan Koperasi Kebangsaan Malaysia Berhad (Angkasa) untuk tujuan memudahkan aktiviti kredit bagi ahli-ahli, terutamanya kakitangan kerajaan seperti guru, polis, tentera, dan sebagainya, Badan-Badan Berkanun, Syarikat Berasaskan Kerajaan (GLC). Misi KOWARIS adalah untuk mempunyai 300 ahli dari 53 ahli sedia ada pada hujung Disember tahun ini dan menjangkakan lebih daripada 2000 ahli menjelang 2024.

Selain itu, KOWARIS bertujuan untuk berjaya menyampaikan agenda ekonominya melalui aktiviti yang diluluskan dalam undang-undang seperti pelaburan dalam Pasaran Saham, Pembangunan Hartanah, Pembiayaan Margin Saham, Skim Pilihan Saham Pekerja (ESOS) dan Pembiayaan IPO, hospitaliti & pelancongan, Ar-Rahnu, dan makanan & minuman. Ini, dengan harapan untuk memberikan pendapatan yang konsisten, meningkatkan akses kepada barang dan perkhidmatan, dan memberikan impak positif kepada kedua-dua koperasi dan ahlinya.

Pengalaman dan latar belakang profesional ALK dalam pelbagai bidang perniagaan dan korporat boleh membantu mempercepatkan pergerakan KOWARIS untuk menjadikannya sebuah Koperasi yang kompetitif pada masa hadapan, tanpa ragu.

Visi & Misi Kami

Visi :

To become an established Shariah-based cooperative bank that can contribute to the overall strengthening and growth of the Muslim community and economy.

Misi :
Aspire to become a competitive Cooperative Bank that operates in a manner that align with Islamic principles of finance.
Proficient in providing ethical, sustainable financial services and products for members and customers.
Establish strong and intact collaboration with the government, statutory bodies and GLCs.

Ahli Lembaga Koperasi & Organisasi

Pengerusi,
Tuan Mohd Yunos Malek

Sangat berpengalaman luas dalam hal ehwal Koperasi dan Korporat di dalam dan luar negara serta terlibat secara terus dalam pengurusan perniagaan berskala besar.

Acting COO,
Siti Zurina Sabarudin

Siti Zurina is appointed as the Acting Chief Operating Officer of Koperasi Warisan Emas Berhad (KOWARIS) Effective 9 Nov 2023

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SITI ZURINA SABARUDIN

Chief Operating Officer

Siti Zurina is appointed as the Chief Operating Officer of Koperasi Warisan Emas Berhad (KOWARIS) effective.

Siti Zurina began her career as a corporate attorney and has extensive knowledge in capital markets, venture capital, and private equity, having gained experience working at renowned law firms such as Zul Rafique & Partners and Azmi & Associates before establishing her own firm, Messrs Zurina, in 2016.

In 2017, she led to the successful establishment of a private equity firm, ie Widuri Capital Management Sdn Bhd (Widuri Capital), registered with Securities Commission, Malaysia and holds the position of Responsible Person at Widuri Capital. Widuri Capital specializes in nurturing high-growth Malaysian enterprises, with a particular focus on platform consolidation and at Widuri Capital,Zurina focuses on providing guidance to private companies seeking pre-IPO restructuring with the aim of being listed on on stock exchanges.

Siti Zurina serves as an independent non-executive director at Reservoir Link Energy Berhad, a company listed on the Main Market of Bursa Malaysia.

Siti Zurina possesses a broad range of expertise, spanning from capital markets to technology practice. Her extensive knowledge and industry experience in venture capital and private equity transactions, mergers and acquisitions, technology and information technology, fund management, and fund setup structuring, initial public offerings, and takeover exercises, position her as one of Malaysia’s most versatile legal counsels specializing in fintech and corporate matters.

In the realm of fintech and technology, Zurina consistently receives requests for her exceptional regulatory and compliance advice, as well as assistance in submitting license applications on behalf of companies to regulatory authorities such as the Securities Commission Malaysia, the Central Bank Malaysia, or other relevant bodies. Her expertise covers a wide spectrum, including equity and peerto-peer crowdfunding, crypto exchanges, tokenized venture capital funds, robo-advisory and digital investments, e-money, and supply chain, making her a highly sought-after resource for financial technology and technology companies.

The firm she founded, ie Messrs Zurina was awarded with the “Intellectual Property Rights Advisory Firm” for 2 consecutive years, 2017 and 2018, by the Malaysian Venture Capital & Private Equity Association, at the nomination of Malaysia Digital Economy Corporation (MDEC). As a recognition of her legal expertise, Zurina was named as a leading individual for Capital Market – Asia Pacific Legal 500 in 2015.

As the COO of KOWARIS, Siti Zurina looks forward to propel KOWARIS to new heights of success by streamlining operational processes, implementing efficient risk management practices, leveraging innovative solutions and cultivating a culture of collaboration and excellence with its stakeholders and partners, nationwide.

KOWARIS ‘micro-credit services’ accessibility will be enhanced to those who need it most within an effective time frame by harnessing technology and solutions. With the new COO at the helm, KOWARIS aspires to not only meet the financial needs of the underserved but also to make a lasting impact on the communities that KOWARIS serve, fostering economic growth and empowerment.