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*Simpanan pokok* is a one-time entry fee, whereas *simpanan wajib* is a consistent savings plan. The purpose of *simpanan pokok* is to ensure financial support for the cooperative. *Simpanan wajib* aims to foster financial discipline and support the long-term sustainability of the cooperative. Both are integral to the cooperative's structure. *Simpanan pokok* creates the initial capital and membership, while *simpanan wajib* builds ongoing financial strength.
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