Our Co-operative was registered officially as the Singapore Malay Guru’s Co-operative Thrifts & Loan Society Limited on 7th September 1931 with assets of S$15,000.00. 

We had only 99 Malay teachers who were our members. Among the pioneers were Cikgu Jaafar Muhammad, Cikgu A Hamid Abdul, Cikgu Osman Hassan, Cikgu Jaafar A Ghani, Cikgu A Rahman Md Said, Cikgu Naya Harun and Cikgu Aman Ahmad.

The primary objective was to safeguard the economy of the Malay teachers by encouraging thrift and providing loans.

All our activities were carried out at a temporary office on the 5th floor of Fullerton Building until we shifted to our 1st office at Sekolah Melayu Kota Raja.



We shifted to our new office at 3F and 5A Paya Lebar Road in 10 October 1965. Each unit cost us $27,500.00

Assets had increased to S$2 million and membership had also increased to 1571 members.

On 6th March 1976, the Co-operative was renamed as Singapore Malay Teachers Multi-Purpose Co-operative Limited to reflect its objectives include businesses and investments.


In 1999, we again changed our name to Singapore Malay Teachers Co-operative Limited. Assets had increased to S$15 million.

By 19 December 1999, we moved our operations to 785 Geylang Road which costs us S$2.6 million.



In 2023, AGM approved the decision to rebrand ourselves as Singapore Muslim Teachers' Co-operative Limited, with the aim of fostering inclusivity within our community.

Our Mission & Vision

Our Mission

Sebuah koperatif yang amanah dan mesra.

A trustworthy and friendly cooperative society.

Our Vision

Menyediakan pelbagai perkhidmatan kewangan berteraskan nilai amanah untuk para anggota.

To provide trustworthy, reliable financial and other related services for the members.

Core Values

Perkhidmatan bermutu tinggi, Intergriti, Keterlibatan/Komitmen, Kebertanggung-jawaban dan Kecekapan.

Service oriented, Integrity, Commitment, Accountability and Efficiency.

Working Culture

Kami mendengar, bertindak, menyokong dan mengusahakan yang terbaik.

We listen, act, support and deliver the best we can.

To provide trustworthy, reliable financial and other related services for the members.

Organisation Chart


Mr Zhulkarnain Abdul Rahim


Mr Hawazi Daipi


Committee of Management

/ Board Of Directors

Mr Mohd Faizal Fadzlillah


Tengku Mohd Faizal Ismail

Vice Chairman 1

Dr Hirman Khamis

Vice Chairman 2

Mr Kamiti

Senior Member

Assoc. Prof. Roksana Bibi Abdullah

Senior Member

Assoc. Prof. Kamsiah

Senior Member

Haji Johari Mohd Rais  (Pingat Bakti Masyarakat)

Senior Member

Mr Syahrulnizam Abdul Rahman 


Mr Idris Taha


Mr Arzami Salim


Audit & Risk Committee

Mr Muhd Ariff Mohd Noor

Chairman - Audit & Risk Commitee

Haji Moen Kasir 

Senior Member

Tengku Mohd Faizal Ismail

Senior Member

Mr Mazli Mahmood


SGM Advisors

Mr Abdul Hamid

Audit & Risk Advisor

Mr Sani Hamid

Investment Advisor

Pergas Investment Holdings

Shariah Advisor


Internal Auditor

    AJM Practice

    External Auditor

SGM Workforce

Ust Dr Fazrihan Duriat

General Manager / CEO

Mdm Emildawati Bendiamin

Principal- SGM Little Kidz

Mdm Noor Aidah

Principal- SGM Murni

Tuan Abdul Rab Md. Taib

Deputy GM / Chief Financial Officer

Ms Nina Suriani

Vice Principal- SGM Little Kidz

Ms Sharifah Zaharah Bte Hashim

Acting Vice Principal- SGM Murni

Ms Seri Norashiqin

Senior Finance & Operations Executive /
Acting Deputy CFO

Mdm Hartini Abdul Hamid

Human Resource Executive

Ms Siti Zahra Maria

Community Engagement Executive / Board  Alternate Secretariat

Ustazah Qurrathal Ain

Shariah Officer

Mr Mohamad Irsyad

Transaction Support Specialist / Board Main Secretariat

Mr Abdul Riyaz

Strategy & IT Senior Officer