1.   Ques:  Is NUCW is well established or newly formed?

      Ans:    Its long established; formed 2 decades ago in Yr-2004
                  Its a National level Cooperative having ~6000 members

 2.  Ques:  Who is the Governing body of NUCW?
      Ans:     Its by the Malaysian Cooperative Commission (SKM)

3.  Ques:   Whats the minimum & range of dividend pay-out?
     Ans:     The min rate is 7.0% pa, and gets more with bigger quantum of Deposits

 4.  Ques:  How come NUCW gives such a good rate of return of 7-9% & sustains?
       Ans:    It has stable good income from its services & growing
                   Also, the major pool of clients are the huge M'sian Civil Servants themselves

5.   Ques:  What are the sources of Income of NUCW?
       Ans:     a. Personal Financing Services: mainly Govt staff (1.3-1.7mil)
                    b. Member Savings and Contributions
                    c. Investments in Real Estate (eg 537ac of Palm oil Plantation bearing profit)
                    d. Other Potential Business Ventures (continuously growing)
                        (as of Dec-2024 approved financing itself amounts to RM 35.3mil)

6.   Ques:  Can foreigners participate?
       Ans:    Yes, they can

7.   Ques:  Whats the Investment amount preferred
      Ans:     We prefer Investors depositing bigger amount; say RM250k-RM5mil 
                   but lesser amount is up to NUCW consideration.

8.   Ques:   Can KESH or BizMerger collect or hold funds for this?
       Ans:     NO, cannot; they only facilitate. In fact, no can take cash.
                    All prospects pay through Bank & deal  directly with NUCW on membership

9.   Ques    What style & kind of people managing this organization
       Ans      Its managed professionally. The Chairman is Ex-Army Chief.  
                   The board are run by professionals & many have invested themselves
                    Policies skewed along socio-economic empowerment & democratic structure

10. Ques:  What are the Member's benefit that NUCW offers?
      Ans     *  Personal financing 
                  *  Financial Products
                  *  Share schemes
                  *  Retirement savings benefit
                  *  Protection Plans (eg. Islamic insurance)
                  *  Hospital admission benefits
                  *  Maternity Parenthood Benefit
                  *  Education incentives for children
                  *  Death and funeral support 
  
 

For further query, pls contact KESH
WApp +6010-702-6377 / +65-9009-9036
https://www.bizmerger.com/home/listing/502 

Sharing idea on Int'l business Opportunities

Opportunity for Malaysian Indian
targeting the INDIAN market 
 
India is the fastest growing large economy
Other large growing economies includes Indonesia, China, Brazil &  Russia
Other emerging markets include Argentina, Mexico, Poland, South Africa, South Korea and Turkey.
Whereas the smaller but faster growing economies includes South Sudan, Guyana & Libya.
Among the blocks; BRICS is the shinning star; thanks to USA for initiating the tariff war 

 

But for Malaysia entrepreneurs to grow

•  Ignore the tariff power play

   (And note that USA rivals are hungry for business)

•  The countries to focus are India, Indonesia & China 

•  But India is the fastest growing economy 

   India is growing in exports, military equipment, medical, tourism, etc 
And among the top 3 Indian states that continue to grow fast is the state of Tamil Nadu.
- its overtaken Pakistan GDP
- overtaking Malaysian GDP soon

Thus, Asean of Indian origin (especially Malaysian & Singaporean Indian) should take advantage before the competitions gets harder

a•  Tourism (2-ways) 

b•  FnB Food & Beverages 

c•  Trading of minerals, rare earth 

d•  MM2H - Msia, my 2nd home 

e•  Military equipment exports 

f•   Medical: 

g•  STEM education institutes

h•  JV projects between India & China with M'sia/S'pore or both

 

A.  Tourism

     -  Tourism Agency 
         Malaysian to India & vice-versa
    -   Development tourism spots in India 
         both natural & made made as well as new and existing
         including theme parks, botanic gardens,
    -   consider eco-tourism 

B.  FnB Food & Beverages 

    -  Dishes of Foreign & Indian 

    -  or by concept (Food court, herbal), etc 

       (without compromising on the quality) 

C. Trading of minerals;
     Rare earth supply 

     Process & production technology

     -  Indians from unstable foreign counties is a good source 
     -  Also, upper class retiree 
     -  those having family relations in Malaysia may consider

     from India to overseas (if U have the network); 
     Asean, Africa, Oceania, could be the markets

    - surgery (engage top Indian surgeons for local medical centers) 

    - medical tourism 

    - medical supplies, manufacturing, technological gadgets & tools, etc 

G.  STEM education institutes 

     -  with R&D element & G2G touch will be good 
    -  having OJT (on job training) attachment would be much better

   Getting Indian Co’s into JV with MNC’s co's of either or mix of M’sia, S’pore, Indonesia or China MNC's; to establish in either TamilNadu, locally or in a third country

Weblinks
 https://www.usthadian.com/tamil-nadu-economy-surpasses-pakistan-gdp/#:~:text=Tamil%20Nadu's%20GSDP%20in%202025,$132%20billion%2C%20now%20marginally%20higher.

(The above is not a comprehensive list. You may suggest any missing sectors. And you are welcome to contact BizMerger to secure the match for your biz or projects in Malaysia, Singapore and India be it SALE, BUY or JV)

Pls share your needs or preferences; in term of
* subject matter
* location preference
* performance level; (lost mkg, break-even, profitable, any)
* budget
* Urgency
The same matter; suggest if its a must, prefer or any

It would offer Efficiency & Productivity
* narrowing down the match saving everyone's time
* may even give U better choice than expected

Example of past events (Childcare Buyer) - yr2023

Facts    All material logistics given to Client 

We        Which location you prefer?

Client:  Anywhere will do 

We:       May I know where U reside?

Client:  U need not know, just tell me where is it! 

Facts:   Loc given & arranged for viewing on next day, Sun 

              Seller,  Ctr Supervisor & we had to cancel weekend plan

              Sunday came, all met (spent 1hr)

Client   We can’t go ahead, b’cos its too far from my place, Tampines 

 

The lesson: Client wasted everyone's time, or arrogant; do not know what exactly he wants. If he had told us; we would have emphasized the distance & time taken & could have avoided wasting every ones time.

Example 2 (Education Biz Buyer) 
 

Client:     Just give me the details U have 
 Facts:     Only if the BM know, can we give what he want 

                 A firm like us may have 100-200 client
 We          I have a college priced $5mil
 Client:    Why tell me $5mil, U don't have cheaper?
 Fact:       How would we knows?  
 We          I have a tuition

Client:     No Tuition, I want like schools doing Cert, Diploma 

We           Any particular loc? 

Client:     we want near MRT, where trainers can take MRT 

We           U want to train the students get Cert, Govt Subsidy 

                 that’s the SSG school; Training Centres 

We           Your budget     

Client      few hundred thousand 

We           U can only get a basic school at breakeven or minor profit 

 

Lesson:   So far the client need a SSG school with basic set up at most within budget of $500k at location near MRT. 
Yet, the urgency, seriousness, preferred SSG programs is yet to be established! 

Regards, KESH Muthy