Koperasi Peduli Rakyat Sejahtera - Smecda

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Lahan pertanian yang dikelola oleh salah satu anggota KSP Cipta Mandiri dari KSP. Setelah berhasil melunasi pinjaman pertamanya, yang senilaiRp5 juta, Anton kembali dipercaya untuk memperoleh pinjaman permodalan senilai Rp10 juta. Modal usaha itu digunakan untuk memperbesar skala usaha usaha penggilingan padi miliknya dan biaya pengolahan tanah seluas 1 ha. Dari usahanya tersebut, Anton mampu membiayai pendidikan dua anaknya hingga ke jenjang perguruan tinggi: seorang di Akper Ambon dan seorang lagi di Universitas Siliwangi Tasikmalaya, Jawa Barat. Selain Anton, Mbok Sutinah, 56 tahun, transmigran asal Banyuwangi juga bisa menjadi sisi terang dinamika anggota KSP Cipta Mandiri. Berbekal keahlian membuat tempe, ia membuka usaha pembuatan tempe. Dari usaha ini ia mampu menghidupi sembilan orang anaknya. Seperti kebanyakan pengusaha mikro lainnya, bagi Mbok Sutinah, permodalan sempat menjadi masalah. Ia pun lalu mengajukan pinjaman ke koperasi, dengan jumlah pinjaman yang tidak terlalu besar, hanya Rp500 ribu. “Uang itu untuk biaya beli bahan-bahan,” ungkap nenek 13 orang cucu ini. Ketika pinjaman telah lunas, ia pun kembali mengajukan pinjaman. Begtulah seterusnya hingga usahanya berkembang. Bahkan, karena seringnya ia meminjam modal ke KSP, Sutinah tidak ingat lagi berapa kali telah meminjam modal ke koperasi. “Karena sering minjem jadi nggak ingat sudah berapa kami minjem ke koperasi,” katanya seraya tersenyum. Dari usaha pembuatan tempe itu, kini ia telah memiliki sebuah toko kelontong yang cukup besar. KSP Cipta Mandiri Alamat Berdiri : 29 November 2002 Badan Hukum : Desa Waekasar, Kec. Waeapo, Kab. Buru, Provinsi Maluku : No: 518-80/BH/DK-UKM/V/2006, tanggal 04 Mei 2006 Tahun Perkuatan Modal : Tahun 2005 Jumlah Perkuatan Modal : Rp500 juta Ketua : Slamet Haryono Jumlah Anggota : 67 orang Jumlah Karyawan : 11 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 141
KSP CIPTA MANDIRI Buru, Maluku Independent at a Young Age They are pilgrims from Java land. A book titled “A Story from Buru Island” says that they have converted the dry land of Buru Island to become an island where ‘white gold’ (the term for sago palm) and ‘red gold’ (the term for timber tree wood) flow; they also turned forests and deserts to become rice and crops. They are the transmigrated people, who are successful in continuing the dreams of the early pilgrims in this island who turned Buru island into rice barn, and some other people call it as the food island. For the natives, who mostly work as sandal wood oil refiners, now Buru Island has become rice barn for Maluku area. Each year, this island supplies 2,500 tons of rice. Agriculture and plantation are the breath of Buru island. These two sectors contribute 70% of the total revenue produced by this island. From such characteristics, various life dynamics in this island are not far from the two sectors’ affairs, including the dynamics of cooperation matters, which also developed as Buru island community activities supporter in motoring their activities of farming and gardening. Cipta Mandiri Save Loan Cooperation, one of prominent cooperations in Maluku Province, was also born from the dynamics of those two sectors. When it was established in 2003, KSPCM was still in the form of KSU with rice trading business as its mainstay. The history of KSP Cipta Mandiri started from a Various Business Cooperation Cipta Mandiri. This cooperation was present among the resistance of cooperation business in Waeapo. When it was established in 2003, there were 23 first members. From them working capital in the amount of Rp 6 million was collected, deriving from main savings and members’ compulsory savings. It was a convenient store (waserba) that was first managed by KSU Cipta Mandiri (KSU-CM). In 2005. KSP Cipta Mandiri was established, and this KSP is the “biological son” of KSU Cipta Mandiri. Looking at the track record of KSU Cipta Mandiri and the consistency of its administrators as well as the strategic value of this cooperation on the area economic growth, in the same year (2005) KSP Cipta Mandiri was granted a trust to become a member of sector scrolling fund strengthening program from Ministry of Cooperation and Small Middle Scale Enterprises. This cooperation then received a capital strengthening loan in the amount of Rp 500 million. This policy is based on Article 7 of State Minister of Cooperation and Small Middle Scale Business Regulation No. 12/2005 which states that “Minister may stipulate KSP/USP-Sector Scrolling Fund Receiver Cooperation particularly which is considered as having strategic role among others for the need of development of KSP/USP-Cooperation in the developing areas and border/remote areas. In this context, Buru Island is considered as having the strategic position as ‘rice barn’ in Maluku Province. Even tough it is still young, KSP Cipta Mandiri has given examples to the community in Buru Island that hard work is the beginning of success. In its relatively young age, four years, KSP Cipta Mandiri now owns asset with a value of Rp 1,5 billion—in which scrolling fund in the amount of Rp 500 million is included. *** 142 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
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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
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NUSA TENGGARA BARAT West Nusa Tengg
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Anggota KSP Karya Mandiri ketika me
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KSP KARYA MANDIRI JEROWARU DISTRICT
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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 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 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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