KSP RINJANI PERKASA AT SELONG REGENCY East Lombok – Nusa Tenggara Barat Farmers Best Fried at the Slope of Rinjani East Lombok is identical with many things. One of them is Virginian to bacco. Half of the potential of Virginian tobacco plants in Lombok island is in East Lombok, i.e. covering an area of 29,000 hectare. In average, each tobacco plantation can produce up to two tons. Due to such potential, at this time there are 15 managing companies and large cigarette factories in Java that purchase tobacco from Lombok. From the present facts, approximately 70% of tobacco farmers in East Lombok have become the developed personnel by managing companies engaging in such Virginian Tobacco Intensification. This 70% does not face any obstacles both in capitalization and marketing aspects. On the contrary, the 30% of independent tobacco farmers often face obstacles in production, in the form of capitalization, minimum processing technology, up to marketing obstacles. For capital need, such independent tobacco farmers had to borrow from loan sharks with loan interest of 50% per 40 working days. It is obvious that such large loan interest made it more difficult for farmers. From such concern KSP Rinjani Perkasa was established in 1995. This Save Loan Cooperation with its office at Sandubaya Village then became the solution for tobacco farmers who almost each year had difficulties in capitalization matters. With very low loan interest rate in this KSP, borrower farmers only spend 5% of the harvest proceeds to pay loan installment to such cooperation or with loan interest of only approximately 1% up to 2%. Besides the low interest rate, loan disbursement process is also not as complicated as if the farmers borrow from the bank. The return method is also easier. Farmers can also pay their loan installment in each harvest season with approximately harvest period of four up to seven months. This loan model is also known as yarnen loan model (harvest payment). Rinjani Perkasa Save Loan Cooperation is one of participating cooperations in small and micro entrepreneurs capitalization strengthening program participants through agribusiness scrolling fund. In 2003, this KSP received agribusiness scrolling fund loan in the amount of Rp 1 billion. Since commencing such fund scrolling in the amount of Rp 1 billion, until this book is composed, the amount of outstanding of such scrolling loan has been Rp 1.4 billion. In accordance to cooperation principal, KSP Rinjani Perkasa provides service in business capitalization need in various sectors managed by the community, starting from agriculture, animal farming, marine, up to trading sectors. However, from all such factors, agribusiness sector funding is the largest, since majority of Selong denizens work as farmers. In raining season they plant rice, whereas in hot season they plant tobacco. Benefits spread by this cooperation finally resulted in output. Most of denizens in Selong, mainly those who have had relations with this cooperation, compliment such KSP performance, having an asset of Rp 3.5 billion. High hopes are carried by this KSP. Selong farmers hope that KSP Rinjani Perkasa is an important part of the realization of their dreams to become powerful farmers at the slope of Rinjani. “We are farmers’ best friends, we wish our best friends could also be powerful,” concluded Muhammad Idrus, Chairman of KSP Rinjani Perkasa. K o p e r a s i P e d u l i , R a k y a t S e j a h t e r a 91
92 K o p e r a s i P e d u l i , R a k y a t S e j a h t e r a
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Koperasi Peduli Rakyat Sejahtera CO
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FOREWORD Micro and small Entreprene
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PREFACE Our gratitude is addressed
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INDEX Froeword from State Minister
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Koperasi Peduli Rakyat Sejahtera CO
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yang bergerak di usaha kecil dan mi
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Seorang anggota Kopdit Obor Mas (NT
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sector; to increase KSP manager Hum
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introspektif itu ternyata masih rel
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dilanjutkan dengan nama “Program
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pinjaman dana bergulir untuk membia
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Sebagian besar KSP tadinya merupaka
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that even though it is not everythi
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ing Fund Strengthening Aid For Sect
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mengukur tingkat keberhasiloan pela
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Cooperation (KSP) engaging in Agrib
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SUMATERA BARAT West Sumatera K o p
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Salah satu usaha kecil menengah yan
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Sekadar contoh, ada anggota yang bi
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Kantor KSP Lumbuang Pusako K o p e
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Usaha kecil yang mendapat bantuan m
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Usaha kerupuk Sanjai Marisa anggota
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animal farmings. Whereas as to trad
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JAWA BARAT West Java K o p e r a s
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- Page 52 and 53: KSP RUKUN IKHTIAR BANDUNG Still Exi
- Page 54 and 55: Kelompok belajar Pendidikan Anak Us
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- Page 58 and 59: KSP Trisula Majalengka The Progress
- Page 60 and 61: Mukti. Pendirian KSP Wahana Arta Mu
- Page 62 and 63: KSP WAHANA ARTA MUKTI If there is n
- Page 64 and 65: JAWA TENGAH Central Java K o p e r
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- Page 68 and 69: Mardi hanya mengambil untung bebera
- Page 70 and 71: Pasar agropolitan Grabag, tempat pa
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- Page 74 and 75: Pusat Grosir, salah satu jenis usah
- Page 76 and 77: Kantor KSP Utama Karya K o p e r a
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- Page 80 and 81: Terasi udang, salah satu produk usa
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- Page 84 and 85: JAWA TIMUR East Java K o p e r a s
- Page 86 and 87: Suasana kantor pelayanan KSP Lestar
- Page 88 and 89: Contoh-contoh kartu undangan produk
- Page 90 and 91: KSP Lestari Mandiri Malang, East Ja
- Page 92 and 93: NUSA TENGGARA BARAT West Nusa Tengg
- Page 94 and 95: Anggota KSP Karya Mandiri ketika me
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- Page 102 and 103: NUSA TENGGARA TIMUR East Nusa Tengg
- Page 104 and 105: perjalanannya disadari bahwa kelomp
- Page 106 and 107: KOPDIT OBOR MAS Sikka Life Light at
- Page 108 and 109: memberikan bunga pinjaman hanya 1,5
- Page 110 and 111: KOPDIT SWASTI SARI Kupang, East Nus
- Page 112 and 113: KALIMANTAN TENGAH Central Kalimanta
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- Page 116 and 117: Pengurus KSP Surya Sekawan mengunju
- Page 118 and 119: KSP SURYA SEKAWAN Kapuas Being Frie
- Page 120 and 121: SULAWESI UTARA South Sulawesi K o p
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- Page 124 and 125: KSP AYAMEN MANDIRI Clove Farmers Pa
- Page 126 and 127: Sumiati dan usaha budidaya ikan air
- Page 128 and 129: Salah satu indikator, misalnya, bis
- Page 130 and 131: Lahan persawahan di Kabupaten Minah
- Page 132 and 133: SULAWESI TENGGARA Southeast Sulawes
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- Page 136 and 137: Inspirasi La Rimu Menjadi petani ru
- Page 138 and 139: Aktivitas petani rumput laut anggot
- Page 140 and 141: Aktivitas KSP Mina Sejahtera dalam
- Page 142 and 143: Aktivitas anggota KSP Mina Sejahter
- Page 144 and 145: Para pengurus KSP Mina Sejahtera K
- Page 146 and 147: MALUKU Maluku K o p e r a s i P e d
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Lahan pertanian yang dikelola oleh
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Para pengurus KSP Cipta Mandiri K o
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esar tidak hanya bagi peningkatan k
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pacity increase. In the favorable b