Purchase of goods and services on credit through monthly salary deduction.
No guarantor except for purchase of motorcycle and computer
No down payment
Flexible repayment period up to 5 years
2. FAMILY ACCOUNT SCHEME
Purchase of daily household items from PERNAMA stores, strictly
to members of Malaysian Armed Forces (MAF) and families. Payment
to be made monthly at the stores. Different ranks of MAF are allowed to purchase
according to their credit limits.
3. 'KUTU' SYSTEM
Goods are also sold to customers through the 'Kutu System', which
received overwhelming response from the soldiers' wives.
The merchandise involved in the system is mostly glassware such
Glass & stoneware products
More choices of
products are introduced during specially-arranged and get-togethers
with the soldiers wives from time to time.
Open to all members of MAF wives
Minimum purchase of RM1,500.00 per group to a maximum of
RM3,000.00 for two groups are allowed.
Repayment period of 10 months
Payment to be made monthly at PERNAMA stores
4. KEDAI BERSEKUTU (Affliated Shops)
To further supplement the product range, Kedai Bersekutu PERNAMA
are continuously expanding to offer more range to our customers.
Types of services offered by Kedai Bersekutu PERNAMA include:-
Car repairs and services
5. MOTORCYCLE SCHEME
Purchase of motorcycles through KASUMA Scheme.
Open only to MAF members and also MAF voluntary corps
No down payment
Only one guarantor required
Loan up to RM10,000.00 maximum
6. MOTOR INSURANCE
Soldiers and also public can renew insurance policy using the facilities
offered at the stores. This service is available at all stores.
Customers are required to bring along with them the following documents
upon buying/renewal of their transport insurance:-
Copy of BAT C10 or Identity Card
RTD Registration card (Original Copy) plus 2 photocopies
NCB or existing insurance policy
The policy cover note will be issued upon approval from the KASUMA
Unit Scheme, if it is arranged through the KASUMA
Payment through KASUMA Scheme based on monthly salary deduction.
12-month repayment period
MAF members don't have to travel to nearby town to buy/renew
their insurance policies anymore. The service is now available in
the camps at all PERNAMA stores.
7. 'PESAN & BELI' DIRECT MAIL SCHEMES
Goods are also sold on 'Pesan & Beli' (Rain cheque basis) and
Direct Mail Schemes. wide range of goods not regular to our line are also being offered.
Customer are able to purchase goods at their convenience.
Multi choice of payment - cash, credit card and KASUMA
8. DELIVERY SERVICE
Customer delivery service is now made available at all PERNAMA stores.
The service is meant for heavy electrical goods only.
Customers are required to contact PERNAMA Shop Manager for further detailed.