Koperasi Peduli Rakyat Sejahtera - Smecda

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KSP AYAMEN MANDIRI Clove Farmers Partner The name “Kombi” for some people does not sound strange anymore. The new district as a result of Eris District extension since 1962 has been known as one of the largest clove producers in Minahasa, even in the entire North Sulawesi Province. In addition to its abundance produce, the clove from Kombi is famous for its good quality. Geographic location of Kombi which is on the mountain range is suitable for the cultivation of this type of plant. No wonder if most of Kombi communities are interested in developing clove commodity type. The financial institution as farmers’ partner plays a very good role here. The intended form of relationship is the utilization of business capital loan provided by financial institution by clove farmers. Not only from state and private owned banks, such business capital is also provided by financial institution such as cooperation. One of such cooperations is Save Loan Cooperation Ayamen Mandiri. The Cooperation that has its office at Kombi Village has been the partner of the community in Kombi Regency for a long time. The relation between KPS Ayamen Mandiri and the community is quite harmonious. The favorable interaction that has been created since such KPS was still in the form of Village Unit Cooperation (KUD)— changed to become KSP on 6 January 2005. It is obvious that KSP Ayamen Mandiri has been widely known. KPS Ayamen Mandiri is the reason of Alfi’s smile above. Alfi is one of the most active customers of KSP Ayamen Mandiri. “This cooperation helps us a lot. We used to borrow money from daily bank, but we found it difficult to return the money because we had to deposit every day. Now we choose cooperation because we can pay after the harvest,” said Alfi, who is also one of the farmers there. Even though it is only four years old, this cooperation has shown its favorable performance pattern. In terms of membership, for example, the number increases from time to time. Until 2008, the number of KSP members reached up to 120 people, and its service coverage became wider. Then, KSP Ayamen Mandiri was not limited to only operate in Kombi Village, but also had spread to several villages in Kombi Regency. In line with that, the trust of the community becomes a supplement vitamin for KSP Ayamen Mandiri administrators to keep acting, and even innovating. The peak performance of its fourth year, KSP Ayamen Mandiri was trusted to manage Agribusiness/Sector KSP Aid Fund Program in 2006. Due to this program also, KSP Ayamen Mandiri cooperated with two banks in North Sulawesi, namely Sulut Bank and Prisma Dana Bank. Sulut Bank is the distributing bank for agribusiness scrolling fund in the amount of Rp 1 billion, meanwhile Prisma Dana Bank has the role of fund supplier for KSPs that are lack of fund to fulfill loan request, especially on specific moments. “In the planting season there are many members who apply for loan. Usually we are lack of fund,” said Chairman of KSP Ayamen Mandiri, Hesky Z.P Montong. The service of KSP Ayamen Mandiri for denizens, encourages other denizens who are non members, to apply for membership. Indeed, not all applications could merely be granted. However it is clear that such number of members increase implicates the cooperation financial balance. According to Hesky Z.P Montong, the value of asset of KSP in 2008 was at the level of Rp 1,354,575,000. This number is quite fantastic if it it is compared to the number when the cooperation was first established which was only Rp 40 million. It will not be exaggerating to say that KSP Ayamen Mandiri, now, has become one of superior cooperations in Minahasa. To minimize the amount of non performing loan, regular visits and development on members are conducted. It is also quite often that Chairman of KSP directly participates and has dialogs as well as listens to the grievances of members. 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 115
Suasana pelayanan di KSP Tamporok Timampas KSP TAMPOROK TIMAMPAS Kab. Minahasa Utara, Provinsi Sulawesi Utara Buka Peluang Lebar-lebar, Ketat Bersyarat Sumiati adalah sosok wanita bersahaja. Ia tinggal di Desa Tatelu, Kecamatan Dimembe. Di balik kebersahajaannya itu sesungguhnya ia adalah perempuan pengusaha tangguh. Sejak tahun 2001 silam, Sumiati adalah pengelola usaha kecil sektor perikanan darat. Bersama sang suami, perempuan yang kini berusia 38 tahun itu mengawali bisnisnya dengan sebuah kolam ikan, yang masing-masing berukuran 10 x 20 meter. Kolam-kolam itu ia gunakan untuk membesarkan ikan-ikan mas, gurami, dan mujair, yang kelak ia suplai ke rumah-rumah makan di Minahasa, dan beberapa lagi di Manado. Ketika usahanya mulai berbuah hasil. Sebuah kolam tambahan pun ia sewa. “Jika mengingat masa-masa itu penghasilan torang pas-pasan,” kenang Sumiati. Beruntung Sumiati adalah anggota KUD Tamporok, yang kelak melahirkan <strong>Koperasi</strong> Simpan Pinjam (KSP) Tamporok Timampas, penerima perkuatan modal dari dana bergulir Program Agribisnis/Sektoral. Ketika KSP Tamporok Timampas terbentuk pada tahun 2003, Sumiati pun mendaftar menjadi anggota KSP. Tahun 2005, Sumiati mengajukan perkuatan modal usaha perikanan yang ia kelola. Bantuan modal sejumlah Rp 5 juta pun ia peroleh. Uang sebesar itu ia gunakan untuk untuk membeli bibit 116 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
Page 14 and 15:
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
Page 20 and 21:
dilanjutkan dengan nama “Program
Page 22 and 23:
pinjaman dana bergulir untuk membia
Page 24 and 25:
Sebagian besar KSP tadinya merupaka
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that even though it is not everythi
Page 28 and 29:
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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Mardi hanya mengambil untung bebera
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Pasar agropolitan Grabag, tempat pa
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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 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
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 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
Page 156: pacity increase. In the favorable b
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