Koperasi Peduli Rakyat Sejahtera - Smecda

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ing Fund Strengthening Aid For Sector Save Loan Cooperations (KSP).” After being non active for a year in 2006, in 2007 this program was continued with the name “Sector Scrolling Fund Capitalization Increase Program For Cooperation, Micro and Small Business.” Within the period of 2003 up to 2005 and 2007 the Government allocated fund in the amount of Rp. 321,700,000,000,- for 448 cooperation scattered in 32 provinces. From such amount of fund allocation, it is noted that the disbursement realization was in the amount of Rp. 299,150,715,000. Then, based on the monitoring output conducted by Ministry of KUKM, in March 2009 such scrolling loan fund had increased to become Rp. 840,972,990,980 and was utilized by 183,968 cooperation members. It means there has been positive dynamic of up to 281 %. Such monitoring record indicates that program receiving cooperation is successful in managing and scrolling the aid provided. The amount of fund distributed and the output of its development become indicators that this program has been running well. For the sake of the sustainability of this scrolling fund program, participating cooperations are obligated to return principal installment with its interest to Implementing Banks. Data shows that even though participating cooperations are successful in developing such scrolling fund up to 281% however the level or performance of principal installment return has not been the same as the target. From the actual Rp. 104,797,609,500 only 44.92 % or the amount of Rp.47,076,688,594 has been paid up. According to investigation, such low principal installment and interest return was due to the fact that Implementing Bank has been not active enough in conducting development and monitoring against program participating cooperations. In addition, Regency/City Working Group obligations are considered as non optimum. Implementation Technique Not all cooperations could receive capitalization strengthening program for such cooperations, micro and small business. There are requirements that must be met by Save Loan Cooperation as nominees for strengthening fund receivers. Cooperation members who are entitled to receive scrolling fund to fund productive economic business from this program fund allocation are also regulated with tight selection. This regulation is set up as fence for program participating KSPs in distributing such scrolling fund loan. So long as this regulation is complied with, non performing loan risk will become smaller. In 2005, along with the dynamic that took place in the program implementation of 203 and 2004, State Ministry of Cooperation and UKM then re-perfected the implementation technique in distributing such scrolling fund implementation. This perfection was conducted to accommodate program development. In 2003 and 2004 the program was more focused to KSP that funded micro and small business in agribusiness sector, in 2005 and 2007 the target of program participating KSP was extended and not only limited to KSP funding micro and small business in agribusiness sector but also KSPs that fund micro and small business in any other real sectors. Ministry of Cooperation and UKM also has anticipated specific possibilities mainly for cooperations located in disadvantaged area or areas that have been exposed by natural disasters or cooperations that are considered as having strategic roles on some areas. One example is KSP Cipta Mandiri in Pulau Buru, which profile has been presented in this successful stories book. Although it was not established until 2004, KSP Cipta Mandiri was able to become a member of this program in 2005 based on Article 7 of Minister of Cooperation and UKM Regulation UKM No. 12/2005. In that article it is stated that “A minister may stipulate KSP/USP-Sector Scrolling Fund Receiving Cooperation in special manner which is considered as having strategic role among others for the need of the founding of KSP/USP-Cooperation is areas that are developing, border/remote areas. In this context, Pulau Buru is considered as having the strategic position as ‘rice barn’ in Maluku Province. 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 19
Bab III Parade Kisah Sukses Sebuah kalimat bijak tentang koperasi, yang pernah diungkapkan Bung Hatta menarik untuk dicermati. Bapak <strong>Koperasi</strong> Indonesia, yang juga Proklamator negara ini pernah berkata bahwa “bukan semboyan yang muluk-muluk yang dibutuhkan untuk mencapai masyarakat kooperasi yang ingin kita ciptakan, melainkan amal, yang berupa pendidikan atas diri sendiri dan perbuatan. Di atas jalan menuju masyarakat koperatif, belum ada yang sempurna, sebab itu dasar kita bekerja ialah: mencapai perbaikan senantiasa!” Melalui kalimatnya itu, Bung Hatta bicara bahwa segunung konsep untuk membangun masyarakat perkoperasian tak akan cukup jika tak bermuara pada kerja nyata, yang dibalut dengan semangat untuk senantiasa mewujudkan perbaikan. Parade kisah sukses KSP peserta program perkuatan permodalan usaha agribisnis/ sektoral ini merupakan bagian dari geliat untuk senantiasa mewujudkan kemajuan bagi dunia perkoperasian di Indonesia. Kisah-kisah sukses yang termuat di dalam bab ini bukan ditulis untuk sekadar 20 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
Page 2 and 3: Koperasi Peduli Rakyat Sejahtera CO
Page 4 and 5: FOREWORD Micro and small Entreprene
Page 6 and 7: PREFACE Our gratitude is addressed
Page 8 and 9: INDEX Froeword from State Minister
Page 10 and 11: Koperasi Peduli Rakyat Sejahtera CO
Page 12 and 13: yang bergerak di usaha kecil dan mi
Page 14 and 15: Seorang anggota Kopdit Obor Mas (NT
Page 16 and 17: sector; to increase KSP manager Hum
Page 18 and 19: 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
Page 26 and 27: that even though it is not everythi
Page 30 and 31: mengukur tingkat keberhasiloan pela
Page 32 and 33: Cooperation (KSP) engaging in Agrib
Page 34 and 35: SUMATERA BARAT West Sumatera K o p
Page 36 and 37: Salah satu usaha kecil menengah yan
Page 38 and 39: Sekadar contoh, ada anggota yang bi
Page 40 and 41: Kantor KSP Lumbuang Pusako K o p e
Page 42 and 43: Usaha kecil yang mendapat bantuan m
Page 44 and 45: Usaha kerupuk Sanjai Marisa anggota
Page 46 and 47: animal farmings. Whereas as to trad
Page 48 and 49: JAWA BARAT West Java K o p e r a s
Page 50 and 51: Suasana ketika salah seorang anggot
Page 52 and 53: KSP RUKUN IKHTIAR BANDUNG Still Exi
Page 54 and 55: Kelompok belajar Pendidikan Anak Us
Page 56 and 57: Peternakan kambing milik Kelompok T
Page 58 and 59: KSP Trisula Majalengka The Progress
Page 60 and 61: Mukti. Pendirian KSP Wahana Arta Mu
Page 62 and 63: KSP WAHANA ARTA MUKTI If there is n
Page 64 and 65: JAWA TENGAH Central Java K o p e r
Page 66 and 67: angan Pengusaha Mikro dan Kecil Mel
Page 68 and 69: Mardi hanya mengambil untung bebera
Page 70 and 71: Pasar agropolitan Grabag, tempat pa
Page 72 and 73: 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
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anggota. “Amanah bukan sekadar da
Page 116 and 117:
Pengurus KSP Surya Sekawan mengunju
Page 118 and 119:
KSP SURYA SEKAWAN Kapuas Being Frie
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SULAWESI UTARA South Sulawesi K o p
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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 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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