Qǔ Exchange

Major Business Problems

Human Resource

Working Capital

Productivity

The Mechanism

How It Works

Awesome Image
  • Conversion of Qu Point

Conversion of Qu Point

  • A new feature for Business Users
  • Convert Qu Point at a 6% discount rate
  • Business Users who have no Outstanding Pledge will be able to convert

*Other terms & conditions apply

Benefits of Qu

Businesses

  • Turns excess products & services into instant working capital & employee flexi-benefit.
  • Improve cash flow.
  • Ability to reward employees without cash.
  • Increase motivation & competitiveness to retain & hire.
  • Zero interest repayment.

Individual

  • Every 1 Kongsi Point comes with additional 5% cash value.
  • Increase monthly income by 5% and manage monthly expenses effectively.
  • Minimises cash withdrawal hassle.
  • Secure, safe & thief-proof.

Where To Spend Kongsi Point

Grocery

Electricity Bill

Petrol

Clinic

Mobile, TM, Astro Subscription Bill

Restaurants & Hawker Food

Credit Control

Pledge Limit for MSMEs

Limit A

A default pledge limit of RM30,000 for MSMEs without audited reports, but with more than one year business track record

Limit B

A reduced pledge limit of RM6,000 for informal and micro enterprises, but with more than one year business track record.

Security of Qu

stock

Reserve

To replenish undelivered products & services by defaulters

life-insurance

Insurance

Unused QuP will be fully insured with the same value

audit

Auditor

QuP is audited by an independent auditor

check

CTOS

Credit check is conducted using CTOS