Koperasi Peduli Rakyat Sejahtera - Smecda

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Inspirasi La Rimu Menjadi petani rumput laut sudah menjadi pilihan hidup La Rimu. Pria 49 tahun ini memiliki sebidang lahan seluas 400 x 300 meter persegi yang ia manfaatkan sebagai arena budidaya rumput laut. Setiap 45 hari sekali ia bisa memanen rumput laut rata-rata 1 ton rumput laut kering. Dalam satu tahun ia bisa memanen hingga lima sampai enam kali panen. Sebelum membudidaya rumput laut, La Rimu bekerja sebagai pedagang kelontong sekaligus bertani di ladang.Harga rumput laut kering saat ini Rp 8.500/kg. Memang harga rumput laut kering sering tidak stabil. Kadang turun hingga kisaran Rp 4.000/kg. Namun, suatu waktu bisa melambung hingga Rp 15.000/ kg. Rata-rata para petani rumput laut bisa mengantongi untung setidaknya 200% hingga 300% dari modal yang mereka keluarkan. Hal itulah yang membuat La Rimu tetap setia dengan usaha budidaya rumput laut.Suatu ketika, La Rimu terbentur sebuah situasi sulit. Di satu sisi ia memerlukan biaya untuk kedua anaknya, yang kebetulan bersiap melanjutkan ke jenjang SMA dan SMP secara bersamaan. Uang simpanannya hampir habis untuk biaya sekolah anak-anaknya. “Sempat terpikir untuk meminjam uang di Bank, tetapi saya pikir kenapa tak pinjam di <strong>Koperasi</strong> saja yang persyaratannya ternyata lebih mudah,” kenang La Rimu. Akhirnya dengan tekad bulat La Rimu datang ke kantor KSP Tunas Sari untuk mendaftar menjadi anggota koperasi sekaligus mengajukan pinjaman modal sebesar Rp 1 juta. Uang itu ia gunakan untuk membeli tambang sebagai media tanam rumput laut seluas 100 m x 50 m. Untuk membeli bibit ia terpaksa menggunakan uang simpanan yang masih sedikit tersisa. Ternyata usaha La Rimu La Rimu menuai hasil bagus. Di saat panen, hasil panennya berkualitas baik. Sementara itu, ketika itu harga rumput laut juga sedang tinggi. La Rimu pun akhirnya bisa membayar hutangnya ke koperasi dengan lancar. Kini, La Rimu telah beberapa kali mengajukan pinjaman. Pinjaman kedua sebesar Rp 2,5 juta yang ia gunakan untuk menambah luas area budidaya rumput laut miliknya. Pinjaman kedua ini pun bisa ia kembalikan tepat waktu. Saat usaha budidaya rumput lautnya mengalami kemajuan, naluri dagang La Rimu menyeruak. “Selain menanam sendiri, saya juga ingin menjadi pengepul,” ujarnya. La Rimu kembali mengajukan pinjaman sebesar Rp 10 juta untuk modal menjadi pengepul rumput laut kering. Sebagian uang tersebut ia gunakan untuk membangun gudang penampungan rumput laut kering. Usahanya berjalan lancar. Kini ia mampu membiayai kedua anaknya kuliah di Unhalu Kendari. Bahkan ia telah mempunyai deposito puluhan juta rupiah di KSP Tunas Sari. 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 127
KSP OF TUNAS SARI Southeast Sulawesi Moving Forward Together With Seaweed Farmers Labone Community is famous as sea weed cultivator community. Initially, they were fishermen. However, along witht the development of seaweed cultivation that is considered as more potential, one by one the community members changed jobs to become seaweed farmers. Geographically, Labone Village community is on the edge of Buton strait which is suitable for seaweed cultivation. Even though the price of seaweed is rather unstable, this business is considered as more prospective compared to being small fishermen. Again, minimum capital becomes the reason for the seaweed farmers as the difficulties in escalating their business. To apply for loan from the bank, there are too many administrative requirements that thay could not meet. On the other hand, market demand for seaweed increased. Without enough capital, such seaweed farmers obviously could not gain much. Such anxiety finally ended up in meeting forum of Tunas Sari Save Loan Cooperation members. Seaweed farmers complained. “There seems to be a great wall in front of us,” said La Saimuna, Chairman and Manager of KSP Tunas Sari describing the feeling of seaweed farmers who were his members. In 2003, when there was news that Ministry of KUKM launched capital strengthening program for KSPs that have UKM in agribusiness sector, administrators of KSP Tunas Sari agreed to submit a proposal. Equiped with stable financial balance, they were certain that such proposal will be granted. As a note, in 2003, KSP Tunas Sari had had members up to 2,000 people with capital that reached Rp 3,092,275,276. A year later, the prayers of Lasalepa seaweed farmers were granted. KSP Proposal to obtain capital strengthening in the amount of Rp 1 billion through Capital Strenghtening for KSP Agribusiness Sector Program was approved. A little flash back, save loan cooperation developed from a business unit of Save Loan in KUD of Tunas Sari that has been established since 1992 in Labone Village, Lasalepa District. Since this USP from KUD of Tunas Sari grew fast and became the main business unit, then in 1995 it was decided to become independent with the name KSP Tunas Sari. Now, years later, due to the touch of the administrators’ cold hands, KSP Tunas Sari has developed its save loan business. Since receiving scrolling capital strengthening for Agribusinees/Sector Program, the number of KSP members has begun to go up. In 2004 the number of members had reached 2,468 people with a total capital value of Rp 5.67 billion. Just to present a statistic data, in 2008, the amount of loan scrolled to the members reached Rp 11,84 billion with a business volume of Rp 14.34 billion. Such achievement increased by 28 percent if compared to the financial achievement in 2007 with a business volume of Rp 11.21 billion. From the output of loan distribution during such Financial Year of 2008, KSP Tunas Sari obtained a business revenue (HU) with a value of Rp823,9 million (see table). Such favorable financial performance was also in line with scrolling fund return performance in the amount of Rp 1 billion, that must be paid up wihtin 10 years. According to Sultra Bank data KSP Tunas Sari is a discipline cooperation in paying the installment. Up to the end of 2008, KSP Tunas Sari had fulfilled its obligation in returning loan in the amount of Rp 450 million. 128 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
Page 4 and 5:
FOREWORD Micro and small Entreprene
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PREFACE Our gratitude is addressed
Page 8 and 9:
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
Page 18 and 19:
introspektif itu ternyata masih rel
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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
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Pusat Grosir, salah satu jenis usah
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Kantor KSP Utama Karya K o p e r a
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Beberapa bulan sebelumnya, ia dan t
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Terasi udang, salah satu produk usa
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Aktivitas produksi batik pada sebua
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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 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 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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