Koperasi Digital

KOPASThe Sharia Cooperative in One System

KOPAS is a digital cooperative information system for Sharia savings-and-financing cooperatives and the Sharia units of cooperatives. Membership, savings, financing with its akad, the member wallet and bill payments, the cooperative store, accounting, SHU and the annual meeting all run on one set of data, from the office, the store cashier and every member’s phone.

Schedule a DemoSee the Three Apps

The challenge

Six things that hold a growing Sharia cooperative back

  1. 01

    Records scattered across ledgers and spreadsheets

    Each officer keeps their own book, so the numbers have to be pieced together before anyone can see the whole picture.

  2. 02

    Reports and the annual meeting are always late

    Financial statements, SHU and annual meeting material are compiled by hand, again, every year.

  3. 03

    Sharia compliance is hard to prove

    Whether each akad followed the fatwa depends on how careful the officer was, and the evidence is hard to show.

  4. 04

    Members have to come in and ask

    Checking a balance, an instalment or SHU means a trip to the office or a message to an officer.

  5. 05

    Control depends on individuals

    When one person holds the books and the cash, there is no second check and no trail.

  6. 06

    Digital income flows elsewhere

    Members pay bills, top up and shop through outside apps, so the fees and turnover leave the cooperative.

01 Records scattered across ledgers and spreadsheets

Each officer keeps their own book, so the numbers have to be pieced together before anyone can see the whole picture.

02 Reports and the annual meeting are always late

Financial statements, SHU and annual meeting material are compiled by hand, again, every year.

03 Sharia compliance is hard to prove

Whether each akad followed the fatwa depends on how careful the officer was, and the evidence is hard to show.

04 Members have to come in and ask

Checking a balance, an instalment or SHU means a trip to the office or a message to an officer.

05 Control depends on individuals

When one person holds the books and the cash, there is no second check and no trail.

06 Digital income flows elsewhere

Members pay bills, top up and shop through outside apps, so the fees and turnover leave the cooperative.

The problem isn’t how hard the board works. It’s tools that were never designed for a Sharia cooperative that keeps growing.

Meet KOPAS

One finished system, built for the Sharia cooperative

KOPAS is complete, tested and fully documented. Every transaction, whether at the counter, the store cashier or on a member’s phone, becomes a correct journal entry.

  • One set of data for members, savings, financing, the wallet, the store and accounting.
  • Akad and DSN-MUI fatwa rules are enforced by the system, not left to memory.
  • Sharia financial statements (PSAK), SHU and annual meeting material come straight from daily transactions.
  • Switch it on in stages: savings and financing first, then the wallet, bill payments and the store.
  • 3 Apps Management (web), Member (Android and iOS) and Store (cashier).
  • 16 Modules From membership to accounting, all connected.
  • 15 Roles With limits and maker-checker; the Sharia supervisory board and supervisors can read everything.

Profit-sharing ratios (nisbah), margins, financing ceilings and approval rules are settings the board controls, so KOPAS follows your cooperative’s own bylaws without any code changes.

Three apps, one data set

The office, the store and every member, on the same numbers

  • Member app

    Android and iOS

    For members

    • Balances, transaction history and e-statements
    • Financing simulation and application, and akad signing
    • SiKopas wallet: top up, transfer and pay by QR
    • Bill payments, store shopping, zakat and infak
    • Digital member card, SHU and annual meeting invitations

  • Store app

    Cashier (POS)

    For the cooperative store

    • Member prices and public prices
    • Cash, QRIS, wallet or deferred payment
    • Keeps running when the internet drops
    • Stock, purchasing, suppliers and stock counts
    • Orders placed from members’ phones

  • Management app

    Web, in any browser

    For the board and officers

    • Member registration and verification
    • Teller counter, cash and savings accounts
    • Financing from application to collection
    • Accounting, financial statements, SHU and the annual meeting
    • Roles, approvals, settings and audit trail

One server, one database

Documented APINo importing or exporting between apps

All three apps connect to the same server and database through a documented interface, so a deposit at the counter, a sale at the store and a payment on a phone all land in the same books at once.

16 modules

Everything a Sharia cooperative runs, connected

Members and money

  • Membership

    Registration, identity checks and the member card.

  • Savings and profit sharing

    Seven savings products and profit distribution.

  • Financing

    From application to collectability and loss provisions.

  • Member wallet

    SiKopas balance, top-ups and transfers.

Daily operations

  • Bill payments

    Electricity, mobile credit, water (PDAM) and BPJS.

  • Cooperative store

    Cashier, stock, purchasing and deferred-payment shopping.

  • Cash and teller

    Deposits, withdrawals, petty cash and cash closing.

  • Accounting

    Sharia chart of accounts, automatic journals and book closing.

Members and reporting

  • SHU and annual meeting

    SHU calculation and distribution, and annual meeting material.

  • Baitul Maal

    Zakat, infak, wakaf and benevolent loans (qardhul hasan).

  • Notifications

    Push, WhatsApp, SMS and email.

  • Reports

    Management, cooperative health and regulator reports.

Control and integration

  • Users and approvals

    Roles, limits and maker-checker.

  • Audit and compliance

    An audit trail of every transaction.

  • Product settings

    Nisbah, margins, fees and limits, with version history.

  • Integration

    Payment gateway, bill aggregator, bank and WhatsApp.

Modules can be switched on in stages. The ones you don’t use yet stay hidden.

Member app

The cooperative in every member’s pocket

Members see their savings, instalments and SHU, apply for financing, pay bills and shop at the cooperative store from their own phone. It is white-label: the app carries your cooperative’s name and colours, on Android and iOS.

Illustration with sample values

Home. Balance summary, payment reminders and shortcuts.

Digital member card. A QR code that changes every minute.

Savings. Every account, with available and held balances.

History and e-statement. Every movement, and a statement to download.

Financing simulation. Price, margin and instalment shown before applying.

Active financing. Akad details, remaining amount, schedule and paying instalments.

SiKopas wallet. Top up by virtual account or QRIS, transfer to other members, pay by QR.

Pay bills. Electricity, mobile credit, water and BPJS, with the cooperative’s fee shown openly.

Cooperative store. Member prices, a cart, and pickup or delivery.

SHU and annual meeting. SHU split into savings and transaction shares, plus the meeting invitation and results.

  • Sign in with a phone number, a one-time code by WhatsApp and a PIN, then fingerprint or face.
  • A notification for every transaction.
  • Published under your cooperative’s own name and colours, on Android and iOS.
  • Members sign financing akad in the app; the akad is also printed and signed.

Store app

A cooperative store that knows its members

The cashier recognises members, accepts every way they pay, and turns each sale into a journal entry and a stock movement.

Illustration with sample values

  • Recognises members

    Scan the digital member card and the member price and savings appear straight away.

  • Every way to pay

    Cash, QRIS, wallet balance, deferred payment (micro murabahah), or a mix.

  • Keeps selling offline

    A limited offline mode, which syncs once the connection returns.

  • Shifts and cash

    Open and close shifts, count cash, record differences and hand over deposits with an official record.

  • Voids and returns under control

    They need the store head’s approval, and chained receipts can be verified.

Every sale becomes a journal entry and reduces stock. Members’ shopping counts towards their share of the SHU from transactions.

Running the store

Store home

Today’s sales, low stock, orders from members’ phones and what is owed to suppliers.

Stock by location

Minimum levels, batch and expiry per outlet, transfers between outlets and stock counts.

Also in the store app

  • Product master and barcodes
  • Prices and promotions
  • Purchasing and suppliers
  • Couriers
  • Store reports

Management app

The office, with each role seeing just what it needs

The management app runs in an ordinary browser with nothing to install, and its menu adapts to whoever signs in.

  • Counter
  • Cash
  • Savings
  • Members

A teller sees the counter and cash: deposits, withdrawals, savings accounts and cash closing.

  • Journals
  • Ledger
  • Reports
  • Book closing

An accountant sees journals and reports: the ledger, financial statements and book closing.

  • Transactions
  • Akad
  • Reports
  • Audit trail

Supervisors and the Sharia supervisory board (DPS) can read everything, but change nothing.

  • Search everything

    Find any member, account or transaction from one search box.

  • Alerts and approvals

    Security alerts and a queue of items waiting for approval.

  • Two-step verification

    Officers confirm their sign-in with a second step.

  • Just a browser

    Nothing to install on the office computers.

Financing, from application to disbursement

Each application moves through the same stages, and every member’s accounts sit together in one 360° profile, with personal data masked.

  1. 1

    Applied

    From the counter or the member app.

  2. 2

    Survey

    Visit and verification.

  3. 3

    5C analysis

    Character, capacity, capital, collateral, condition.

  4. 4

    Committee

    Tiered approval by amount.

  5. 5

    Akad

    Signed and stored as PDF.

  6. 6

    Disbursed

    Paid out and journaled.

Also handled

  • Tiered committee
  • Signed PDF akad
  • Collectability and loss provisions
  • Restructuring
  • Salary deduction

Accounting, SHU and the annual meeting

The books build up from daily work, and the annual meeting is prepared in the same app.

  • Financial statements

    Financial position, results, cash flow, changes in equity and the ZIS fund.

  • SHU

    Simulate per member, approve by the board, distribute to accounts.

  • Automatic journals

    Every transaction posts its own journal entry.

  • Book closing and annual meeting

    Closing checks its prerequisites first; meeting material and decisions live in the same app.

Products and akad

Every product has its akad built in

KOPAS comes with the savings and financing products a Sharia cooperative offers, each tied to the right akad and its rules.

Product Akad How it works
Principal savings Musyarakah Paid once on joining; not withdrawn while a member.
Mandatory savings Musyarakah Monthly, can be by salary deduction; the basis of SHU from capital.
Voluntary “SiKopas” Wadiah yad dhamanah Deposit and withdraw any time; the transaction wallet.
Term “SiJaka” Mudharabah muthlaqah Three to 24 months; nisbah from actual income.
Education “SiDik” Mudharabah muthlaqah Regular deposits; withdrawals follow the school year.
Qurban and Eid Wadiah yad dhamanah Withdrawn before the holiday.
Hajj and umrah Mudharabah muthlaqah Withdrawn for the hajj deposit (BPIH) or umrah.
Product Akad How it works
Buying goods Murabahah bil wakalah Cost plus margin; fixed instalments; the margin is locked.
Business capital Mudharabah The cooperative provides the capital; profit shared by nisbah.
Partnership Musyarakah Joint capital; profit and loss shared by portion.
Services Ijarah Education, health, weddings, umrah; a stated fee (ujrah).
Benevolent loan Qardh / qardhul hasan No addition; only the real administration cost.
Deferred store shopping Micro murabahah A limit per member; instalments follow salary deduction.

Product names, amounts, nisbah, margins and ceilings are set by the board with the opinion of the Sharia supervisory board.

References: DSN-MUI fatwa 02, 03, 04, 07, 08, 09 and 10/2000; 19/2001 (qardh); 44/2004 (services).

Compliance

Rules the system keeps, so people don’t have to remember them

KOPAS follows the regulations that govern Sharia cooperatives, and enforces the fatwa rules that matter most in daily work.

Regulations

  • Law 25/1992; Law 4/2023 (P2SK)

    Services for members only, the annual meeting, SHU, and the roles of the board and supervisors.

  • Ministerial regulations 11/2017, 8/2023 and 9/2018

    Sharia savings-and-financing cooperatives and their supervisory board: products and akad, governance, periodic reports and health assessment.

  • Ministerial regulation 6/2017 (AML and counter-terrorism financing)

    Member due diligence (CDD/EDD) and flagging transactions for review.

  • PSAK 101, 102, 105, 106, 107, 109; SAK EP

    Chart of accounts, automatic journals, Sharia financial statements and temporary syirkah funds.

  • Law 27/2022 (personal data); Government regulation 71/2019

    Member consent, data subject rights, electronic system registration and incident notice within 3×24 hours.

Fatwa the system enforces

  • Fixed margin

    04/2000

    The system rejects any change to the margin once the akad is signed.

  • Late fees to charity

    17/2000

    Late fees (ta’zir) are journaled to the social fund, not to income.

  • Real-cost compensation

    43/2004

    Compensation (ta’widh) only up to the collection cost actually incurred.

  • Real profit sharing

    15/2000

    Nisbah applies to income actually received, not income promised.

  • Wadiah wallet

    116/2017

    Balances free of riba and gharar; any bonus is never promised.

  • Digital financing

    117/2018

    Financing in the app meets the pillars of akad; the akad is printed and signed.

The Sharia supervisory board can read every transaction, and every release passes a Sharia compliance test with a checklist and the board’s opinion.

Security and control

No large transaction rests on one person

The board decides who can do what and up to which amount. Above the limit, one officer creates and another approves, and everything is recorded.

How a transaction above the limit is handled
  1. Officer 1 Creates the transaction.
  2. Above the limit The system holds it for approval.
  3. Officer 2 Reviews and approves.
  4. Posted and recorded Who, when, and the value before and after.

  • Roles and limits set by the board

    The role matrix, approval limits and maker-checker are set by the board; changing a permission needs a second approver.

  • Data belongs to the cooperative

    Kept in Indonesia on a domestic cloud, encrypted, backed up daily and exportable any time.

  • Maker-checker

    Above the limit, one officer creates and another approves.

  • A full audit trail

    Who, when, and the value before and after, for every change.

  • Members in control

    One-time codes, a transaction PIN, biometrics and a notification for every transaction.

  • Tested, against recognised standards

    Tested with OWASP ZAP, Trivy and Semgrep plus load tests, with reference to ISO/IEC 27001:2022, OWASP ASVS and MASVS.

Architecture

How KOPAS fits around your cooperative

Five layers: the KOPAS apps, an integration layer, your cooperative’s own environment, licensed partners, and Indonesian infrastructure underneath.

KOPAS apps

  • Management app
  • Member app (Android and iOS)
  • Store app (web cashier, limited offline)
  • Board and supervisor dashboard

Integration layer

  • Documented API (OpenAPI) and webhooks
  • Single sign-on where available; otherwise local accounts with one-time codes
  • Export to Excel, PDF and cooperative-office report formats
  • WhatsApp, SMS, email and push notifications

Your cooperative’s environment

  • Employee or member data from the parent institution
  • Payroll treasurer: monthly deduction list and realisation
  • The cooperative’s bank account for disbursements and deposits
  • Cashier devices, receipt printers and barcode scanners

Licensed partners

  • Payment gateway: virtual accounts, QRIS, e-wallets
  • Bill payment aggregator
  • Partner Sharia bank: accounts and disbursement
  • WhatsApp Business: one-time codes and reminders

Infrastructure

  • Indonesian cloud; data stays in the country
  • Encrypted in transit and at rest
  • Daily backups
  • Monitoring, central logs and alerts
  • Tested disaster recovery
  • Data owned by the cooperative

The cooperative does not become a payment service provider. Bill payments and top-ups run through Bank Indonesia-licensed aggregators and payment gateways under a wakalah bil ujrah agreement, with the cooperative acting as agent.

Who gains what

Better for everyone in the cooperative

  • Board and supervisors

    • Financial position and financing quality visible every day
    • Reports and annual meeting material no longer built from scratch
    • More members without more admin staff

  • Officers and cashiers

    • Counter and cashier transactions become journals at once
    • Cash closing and reconciliation in minutes
    • Salary deduction lists generated each period

  • Members

    • Savings, instalments and SHU visible on their phone
    • Apply for financing and sign the akad without queuing
    • Pay bills and shop from their own balance

  • Sharia supervisory board

    • Full read access to akad and transactions
    • Fatwa deviations prevented by the system, not found later
    • Compliance evidence ready for the annual opinion

Additional halal income for the cooperative

  • Bill payment fees
  • Store turnover from member balances
  • Low-cost funds from wadiah wallet balances

Comparison

How KOPAS compares

Aspect Manual bookkeepingGeneral cooperative appsKOPAS
Integration Separate books; reconciled by handSavings and loans only; store and bill payments separateOne data set for savings, financing, wallet, store and accounting
Sharia akad Depends on the officer’s careSharia terms on top of an interest engineFatwa enforced by the system; margin locked, late fees to the social fund
Member service Come to the officeLimited web portalAndroid and iOS app with wallet, bill payments and store
Reports and annual meeting Weeks of compilingGeneral reports that need reworkingSharia statements, SHU per member and meeting material from daily transactions
Control No trailSimple roles15 roles, maker-checker and a full audit trail
Data ownership On a board member’s laptopOn the provider’s server, hard to exportOwned by the cooperative, in Indonesia, exportable any time
Documentation NoneA short guideFull development documentation: procedures, a manual per app, test and migration plans

A general comparison based on our experience; individual products differ. We are happy to show KOPAS live in a demo.

Getting started

From first conversation to running on your own

  1. 1

    Discovery

    We learn how your cooperative works today: products, members, reports and bylaws.

  2. 2

    Product and akad set-up

    Your products, akad, nisbah, margins and approval limits are configured.

  3. 3

    Migration and reconciliation

    Existing balances are moved over and reconciled, closed with an official zero-difference record.

  4. 4

    Training by role

    Each role learns the screens it will use.

  5. 5

    Procedures and manuals

    Standard procedures and a manual for each app.

  6. 6

    Support

    Help by WhatsApp and tickets, plus app and security updates.

Fully documented

  • 119 Use cases, with a traceability matrix from regulation to test case
  • 16 Modules, each with its data schema and API
  • 3 Apps, each with its own manual

Frequently Asked Questions

Everything you need to know about KOPAS.

KOPAS is an information system for Sharia cooperatives. It covers membership, savings, financing with akad, the member wallet and bill payments, the cooperative store, accounting, SHU and the annual meeting in one set of data, through three apps: management, member and store.
Sharia savings-and-financing cooperatives (KSPPS) and the Sharia savings-and-financing units of cooperatives, for their board, supervisors, Sharia supervisory board, officers and members.
No. Modules can be switched on in stages, usually savings and financing first, then the wallet, bill payments and the store. Modules you don’t use yet stay hidden.
Yes. KOPAS is white-label software: the member app is published under your cooperative’s own name and colours, on Android and iOS.
No. Bill payments and top-ups run through Bank Indonesia-licensed aggregators and payment gateways under a wakalah bil ujrah agreement, with the cooperative acting as agent.
Your data belongs to the cooperative. It is kept in Indonesia on a domestic cloud, encrypted, backed up daily, and can be exported at any time.
Three steps: a live demonstration of the three apps in a demo environment with sample data, a discovery session to understand your cooperative, and then a proposal tailored to it.

See KOPAS Running

Ask for a live demo of the management, member and store apps, with sample data.

Contact Us