Koperasi Peduli Rakyat Sejahtera - Smecda

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KOPDIT OBOR MAS Sikka Life Light at Bukit Sikka Establishing a cooperation may not be the goal of Yosef Doing. However, Yosef, his nick name, who is the Head of Educational and Cultural Services of Sikka Regency felt concerned for the fate of Primary School teachers who were often delayed in receiving their monthly pay checks. From there, Yosef with his friends then established an institution to manage save loan with members who are Primary School teachers. This institution is the embryo of cooperation that later will become ‘the light” of the community of Sikka Regency. The story of Yosef concern took place in 1972. Teachers in Sikka Regency were often delayed in receiving their pay checks. Once they even received pay checks once in three months. On the other hand their daily needs had to be fulfilled. They, the teachers, as Civil Servants, had less than enough income. Consequently, many Civil Servants and teachers in Sikka Regency utilized loan sharks’ service as short term solution for daily life needs. That method was also adopted without the awareness of the fact that getting involved with loan shark was actually a non profitable act. This fact encouraged Yosef Doing together with Ramiggus S. Parera, Chairman of Teacher Working Group in Sikka Regency, to seek for alternative solution. These two men then established an “arisan” ( monthly meeting with the purpose of saving money) for Primary School teachers. In 1974, to be exact on November 4, upon Yosef Doing’s initiative, a Cooperation for Primary School teachers and Administrative employees of Educational and Cultural Services with the name of Obor Mas Credit Union was established. After operating for 20 years, on October 29, 1994 CU Obor Mas changed its name to become Credit Cooperation of Obor Mas or Kopdit Obor Mas. Up to 2008, Kopdit Obor had had 6,267 members, with the following details: 4,312 members (69%) are State Civil Servants and 1,955 members (31%) are the public. Now this cooperation inhibits a threestorey luxurious building. Fantastic. Kopdit Obor Mas services have also been expanded to provide services in agribusiness/ sector capitalization funding since 1 April 2005. This has been the largest expansion ever done by Kopdit Obor Mas within several decades since it was established. Along with the establishment of such unit, Kopdit Obor Mas was given the trust to manage Micro and Small Entrepreneur Development Program through Save Loan Cooperation capitalization strengthening from State Ministry of Cooperation of the Republic of Indonesia in the amount of Rp 1 billion. Agribusiness sector development is the accurate step considering the topography of Sikka Regency, which mostly is hilly, as the resource of produce such as variety of vegetable such as chilly, pecan, vanilla, and others. Meanwhile, Sikka Regency also has coastal water area which is potential for fishermen. Further, such program entrusted Kopdit Obor Mas to distribute working capital for members who are engaged in agribusiness sector, mainly who are engaged in agriculture and animal farming business fields. For fishermen, Kopdit Obor Mas created a product in the form of monthly and quarterly loan with interest rate of 2.5% IOB or 1.25 flat/month. There is uniqueness in loan granting to agribusiness community, mainly to fishermen in Kawapante District. The administrators use a box which key is held by a special cooperation officer. According to Fredianto, the manager of Kopdit Obor Mas, such policy is adopted since Agribusiness Unit only serves monthly or quarterly installment, meanwhile in fishermen culture, especially Bajo tribe who lives in coastal area, they still like to save their money in their homes rather than in financial institutions. 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 97
Kesibukan di Kantor Kopdit Swasti Sari, Kota Kupang KOPERASI KREDIT SWASTI SARI Kota Kupang, Provinsi Nusa Tenggara Timur Berani Tampil Beda Lapisan ‘akar rumput’ memang lapisan masyarakat ekonomi bawah. Namun jika diorganisir dengan benar, ternyata mereka mempunyai potensi yang luar biasa. Hal itu telah dibuktikan oleh <strong>Koperasi</strong> Kredit (Kopdit) Swasti Sari. Karena mampu merangkul kalangan ‘akar rumput’ tersebut, kini, Kopdit Swasti Sari menjadi lembaga jasa keuangan yang cukup maju, bahkan cukup diperhitungkan di Kota Kupang. “Sesuai dengan visi Kopdit Swasti Sari bahwa koperasi harus dapat diakses oleh masyarakat pada tingkat ‘akar rumput’, artinya harus mampu melayani masyarakat miskin atau masyarakat lapisan bawah,” kata Ketua Kopdit Swasti Sari, Drs. Daniel Tapobali sedikit berpromosi. Seperti koperasi kredit pada umumnya, kegiatan koperasi yang didirikan pada 10 April 1997 ini difokuskan pada pemberian bantuan permodalan kepada para petani dan nelayan di pantai Kupang. Jumlahnya cukup besar, mencapai Rp27.058.825.000 pada tahun 2008. Ada satu trik unik yang diterapkan Daniel, dkk dalam merekrut nasabah. Salah satunya dengan memberikan bunga pinjaman yang lebih rendah dari unit jasa keuangan lainnya. Jika lembaga keuangan mematok bunga minimal sebesar 2%, Kopdit Swasti Sari mampu 98 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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Suasana ketika salah seorang anggot
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KSP RUKUN IKHTIAR BANDUNG Still Exi
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Kelompok belajar Pendidikan Anak Us
Page 56 and 57: Peternakan kambing milik Kelompok T
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
Page 66 and 67: angan Pengusaha Mikro dan Kecil Mel
Page 68 and 69: Mardi hanya mengambil untung bebera
Page 70 and 71: Pasar agropolitan Grabag, tempat pa
Page 72 and 73: telah tertransformasi ke dalam etos
Page 74 and 75: Pusat Grosir, salah satu jenis usah
Page 76 and 77: Kantor KSP Utama Karya K o p e r a
Page 78 and 79: Beberapa bulan sebelumnya, ia dan t
Page 80 and 81: Terasi udang, salah satu produk usa
Page 82 and 83: Aktivitas produksi batik pada sebua
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
Page 96 and 97: KSP KARYA MANDIRI JEROWARU DISTRICT
Page 98 and 99: Lahan pertanian padi yang dikelola
Page 100 and 101: KSP RINJANI PERKASA AT SELONG REGEN
Page 102 and 103: NUSA TENGGARA TIMUR East Nusa Tengg
Page 104 and 105: perjalanannya disadari bahwa kelomp
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
Page 114 and 115: anggota. “Amanah bukan sekadar da
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
Page 122 and 123: hanya dari bank milik pemerintah da
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
Page 134 and 135: Rumput laut hasil produksi usaha ta
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
Page 148 and 149: Aktivitas usaha penggilingan gabah
Page 150 and 151: Lahan pertanian yang dikelola oleh
Page 152 and 153: Para pengurus KSP Cipta Mandiri K o
Page 154 and 155: esar tidak hanya bagi peningkatan k
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pacity increase. In the favorable b
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