KSP SURYA SEKAWAN Kapuas Being Friends like Surya Sekawan Surya Sekawan Save Loan Coopera tion was established in 1997 with working capital of not more than Rp 10 million. In 2003, KSU status was promoted to become Save Loan Cooperation. Such positive performance finally brought Surya Sekawan to be selected as participating cooperation in Agribusiness Sector KSP Capitalization Strengthening Program for the period of 2004. Scrolling fund in the amount of Rp 1 billion was distributed to this cooperation treasury. In managing KSP Surya Sekawan, administrators apply trusteeship philosophy. In addition to trusteeship, there is a strategy that is believed to the knot of this KSP Surya Sekawan success, namely: “Being friends with the members, being friends with banking, being friends with the government, and being friends with entrepreneurs”. Now, along with this KSP financial ability, the service scale has also been developed up to several neighboring districts that surround Selat Regency, such as Kapuas Hilir District, Pulau Petak District, and East Kapuas District. In these four regencies at this time there are 225 members of this KSP. Many of them have now been living in better living standards since they joined with KSP Surya Sekawan. Some of members of scrolling loan receiver cooperation have even been able to develop their business to the level that they had never expected before. Just to name one, Hj. Naji Maturpah, an entrepreneur of quail farm, in 2006 obtained scrolling loan in the amount of Rp 20 million from KSP Surya Sekawan. As a cooperation that is a member of Agribusiness/Sector KSP Strengthening Program, according to BPD Kalteng, KSP Surya Sekawan has a remarkable reputation. In ad- dition to being discipline in paying for loan installment, this cooperation is also considered as having effective strategy in selecting loan receiver members. According to Pandih, members who have strong business basis indeed have some sort of facility in receiving loan. However, KSP is not allowed to apply favoritism. The new members who are just commencing their business will also obtain loan. Indeed, not all members who have received such capitalization loan are discipline in paying installment. Well, to anticipate this type of non performing credit, KSP administrators established what is so called as an “ambush team” which intensively conducts intensive approach to such members who are in arrears. At this time, the total amount of Agribusiness/Sector program scrolling that was received by KSP Surya Sekawan, according to financial report per July 2009, has developed to up to Rp 2,9 billion. From the principal loan in the amount of Rp 1 billion, KSP has fulfilled its obligations to return the loan in the amount of Rp 280 million. In addition, for two years, KSP Surya Sekawan has also fulfilled its obligation in returning the loan interest in the amount of Rp 120 million. This type of performance profile is inseparable from management strategy applied by these cooperation administrators. Pandih, for example, regularly visits the cooperation members’ homes. Besides that, the communication with BPD has also been favorable. A special savings for KSP members has even been established. The unique thing is Branch Head of BRI Kuala Kapuas is assigned to become the Supervisor in KSP Surya Sekawan administrative structure. “At least there is an expert in accounting and banking as a supervisor,” continued Zulianto, Secretary of KSP. 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 109
110 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
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Peternakan kambing milik Kelompok T
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KSP Trisula Majalengka The Progress
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Mukti. Pendirian KSP Wahana Arta Mu
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KSP WAHANA ARTA MUKTI If there is n
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JAWA TENGAH Central Java K o p e r
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angan Pengusaha Mikro dan Kecil Mel
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- Page 84 and 85: JAWA TIMUR East Java K o p e r a s
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- 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
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- Page 106 and 107: KOPDIT OBOR MAS Sikka Life Light at
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- Page 110 and 111: KOPDIT SWASTI SARI Kupang, East Nus
- Page 112 and 113: KALIMANTAN TENGAH Central Kalimanta
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- 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
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- Page 130 and 131: Lahan persawahan di Kabupaten Minah
- Page 132 and 133: SULAWESI TENGGARA Southeast Sulawes
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- Page 138 and 139: Aktivitas petani rumput laut anggot
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- 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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- Page 152 and 153: Para pengurus KSP Cipta Mandiri K o
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