Koperkasa are eventually collasped under its own bearaucratic ideocy , i.e. stupidity.making its own sets of rules without bothering to informed the real stakeholder, that is its paying members.now its cheaper to get any loan money or services from a licence institution such as BSN.  I found it is distasteful for koperkasa to come up with silly condition with out making new such insurances, loans cheaper that those of financial intitustion.  if koperkasa does't evolved to suit its members many members such as myself and a lots of my friends will gives up its membership.  If this happens until all the members gone, tell the only thing koperkasa doing later is finding a new job for its employees. Remember if a strong cooperative can collapse (KObina) in Semenanjung. so can koperkasa.  as for me, i will get my loans from licences finance institution and for goodies may be from court mamoths or my next door electrical and home appliance shop.final word, are we hearing a tsunami heading toward koperkasa existance?