Simbiosis e-Koperasi Syariah

Symbiosis Syariah offers a one-step solution for the digitization process of cooperatives in Indonesia.
Find various features both for cooperative members, administrators, and collectors in the field through just one application. Ease of transacting in one hand.

BALANCE CHECK
You can check your balance in REAL-TIME! Wherever you are, whenever you need it, your balance will always be displayed fresh on the phone screen.

SAVE / WITHDRAW SAVINGS
Saving or taking savings in cooperatives is even easier with SYMBIOSIS. Only 1 tap, the collector team will contact you immediately. No need to worry about your transactions not being registered, because transactions through SIMBIOSIS are based on REAL-TIME TRANSACTIONS and you can see them right away.

TRANSFER
Transferring money to and from conventional banks has never been easier through SYMBIOSIS. Enjoy very low transfer fees, even FREE, for transfers to other cooperatives/banks.

LOAN
Apply for your loan via your mobile! Need an emergency fund? Home renovation costs? Childbirth costs? Cost of education? Or other costs, apply for a loan via your mobile screen. The savings and loan team will contact you soon. Even the contract process can be done ONLINE! You can also choose whether the loan is sent to your bank account, or delivered in cash.

ACCOUNTANCY
The back office process becomes easier and faster with the front office and back office integration pattern from SIMBIOSIS. You no longer need to wait for the recap of the collector team because transactions are automatically recorded in the system.