Koperasi Peduli Rakyat Sejahtera - Smecda

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Aktivitas anggota KSP Mina Sejahtera dalam proses produksi rumput laut tahun, KSP Mina Sejahtera telah mengembalikan pinjaman dana bergulir agribisnis/ sektoral sebesar Rp 400 juta melalui Bank BPD Sultra. Artinya, KSP Mina Sejahtera tak pernah menunggak, karena aturannya memang demikian. Untuk menutupi hutang ini, KSP menerapkan subsidi silang. Di balik kemampuan KSP Mina Sejahtera menghadapi berbagai situasi sulit di atas adalah kualitas sumber daya manusia yang terlibat dalam kepengurusan. KSP Mina Sejahtera tak segan untuk mengirim karyawan atau pengurus mengikuti berbagai pelatihan/kursus yang diselenggarakan Dinas Koperasi dan PKM Provinsi Sulawesi Tenggara serta instansi terkait atau mengikuti magang di koperasi lain yang telah mapan. Para pengurus koperasi ini yakin kecermatan dalam bertindak perlu diasah. Pelatihan, kursus, dan magang adalah upaya untuk mengasah kecermatan itu. KSP Mina Sejahtera Alamat : Desa Tanggetada, Kec. Tanggetada, Kab. Kolaka, Provinsi Sulawesi Tenggara Berdiri : 5 Oktober 1998 Badan Hukum : No: 359/BH/DKPPM/II/05 Tahun Perkuatan Modal : Tahun 2004 Jumlah Perkuatan Modal : Rp1 miliar Total Aset : Rp.3.723.316.078 Ketua : Muhammad Jaya Jumlah Anggota : 126 orang Jumlah Karyawan : 10 orang 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 133
KSP MINA SEJAHTERA Kolaka, Southeast Sulawesi Acting Carefully in a Difficult Period One ordeal after another has shaped KSP Mina Sejahtera. For example, when seaweed and trepang (sea cucumber) cultivation was elaborated members of KSP experienced listlessness. The unfavorable circumstance had affected the level decrease of members’ revenue and in the end would affect the smoothness of loan return to the cooperation. Muhammad Jaya, Chairman of KSP Mina Sejahtera, did not stand still. He then sought business alternatives for members who faced difficulties. In his head there was an idea to ask a number of members who previously were engaged in seaweed and trepang cultivation to shift jobs temporarily and worked as pine gum tapers and even involved up to the processing stage. “Members who were experiencing difficulties were invited by me to work as tapers and process pine gum in cooperation with Forestry Service,” said Jaya. In such cooperation, KSP provided manpower, meanwhile Forestry Services provided the land. “The production will be jointly agreed upon later,” Jaya added. According to Jaya, such effort was made in order for fund loan that has been distributed to be returned by the community. “Now we are thriving to smoothen out the return of loan,” Jaya added. The presence of KSP Mina Sejahtera in the vicinity of seaweed farmers is considered as something quite large, especially for members and future members in Tanggetada area. One example was when seaweed and trepang cultivation went booming a couple of years ago, which affected the business pattern of the community. At the time, Tanggetada denizens together cultivated seaweed and trepang. However, most of them did not have enough capital to start such cultivation. As a solution, they applied for loan to KSP Mina Sejahtera. When the scale of seaweed cultivation business of Tanggetada community increased, the need of business capital also increased. One day, loan application demand was so high that KSP administrators became overwhelmed. The loan application turned out to be larger than the fund reserve in the cooperation. However, now the story of fund shortage becomes the story of the past. After receiving agribusiness sector capital strengthening scrolling fund aid in the amount of Rp 1 billion in 2004, KSP Mina Mandiri began to be able to fulfill the needs of loan for the members. At this time, KSP Mina Sejahtera has 126 members and 1,250 future members. The issue of loan return is classical. It is faced by nearly all KSPs including KSP Mina Sejahtera. The stagnation of loan return occurs, among others, due to the production of trepang and seaweed cultivation managed by the members that decreased or in other words that was not as good as it used to. Even though it went through listlessness, the level of agribusiness scrolling fund loan return distributed by KSP Mina Sejahtera was rather high. Within four years, KSP Mina Sejahtera has returned agribusiness/sector scrolling fund loan in the amount of Rp 400 million through BPD Sultra Bank. It means KSP Mina Sejahtera has never been in arrears, since it is regulated that way. To pay up this debt KSP applies cross subsidize. 134 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
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
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Suasana kantor pelayanan KSP Lestar
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Contoh-contoh kartu undangan produk
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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 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 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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