GEMA Mobile

Features GEMA Mobile

Gema Mobile is a mobile application with the concept of one stop solution and a cooperative platform that relies on digital technology.
As one of the service applications from PT.
CUSO Digital Indonesia, Gema Mobile is intended for Gema Swadaya CU members to be able to carry out all Cooperative financial transaction activities, Information, Promotion, PPOB and Business Space (Marketplace) on the features provided by the application using an Android smartphone.Application Features:1.
Fill in the Balance/Topup via Bank or Savings in a Cooperative2.
Transfer to the Bank, Members can transfer money anywhere in realtime3.
Info on Cooperative Balance/Deposits, Check Savings Balances, Loans and Deposit deposits or installments via mobile apps, real time and fully integrated with the CUSO CORE System.4.
PPOB purchases such as credit & data packages, PLN Tokens5.
Payment of PPOB Bills such as: BPJS, Postpaid PLN, Telkom Group6.
Invite Members, Members can register family, relatives, friends to become members without having to come to the cooperative office, anytime and anywhere.7.
Apply for Loans, Members can apply for loans without having to come to the cooperative office, anytime and anywhere.
Gema Swadaya CU will conduct KYC and Verification before the application is approvedMinimum Term : 1 MonthMaximum Term : 60 MonthsAPR : 2.5% per monthMax loan value IDR 30,000,000An admin fee of 2% is deducted during disbursementLoan Disbursement Simulation:For example :Loan value Rp.
5,000,000,-Term of 1 monthSo :Disbursement Value (received) Rp.
5,000,000,-The amount of installments to be paid is 5,125,000With details :Principal : IDR 5,000,000Interest: IDR 5,000,000 x 2.5% = 125,000Accelerated payment:If a Member wants to make accelerated payments, a minimum of 3 installments has been entered.
and if it is paid before the maturity date of that month, the member is not subject to ongoing interest.
but if it is due in that month, it will still be subject to ongoing interest.If a Member wants to pay off the 5th installment, the Member only pays the remaining principal and the remaining admin .8.
Pay for QR Scan (Pay by Scan QR, Transfer to fellow users, Activity Attendance)9.
Promotions / Advertisements10.News11.
Product Info and Asset Info, Members can know/control the development of cooperative Assets and Products directly12.
Business Space (Marketplace)13.
Support14.
Transaction History