Koperasi Peduli Rakyat Sejahtera - Smecda

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Sekadar contoh, ada anggota yang bisa mendapat pinjaman sebesar Rp 50 juta karena ia telah menjadi anggota sejak tahun 1986 dan simpanannya sudah mencapai Rp 20 juta. “Jadi anggota tersebut bisa mendapat pinjaman sekitar Rp 50 jutaan, dengan tingkat suku bunga 12% per tahun,” kata Anismar Asri. Keberhasilan anggota dalam mengembangkan usahanya akan berdampak positif bagi perkembangan KSP, tentu saja. Hal itu dapat dilihat dari tingkat keberhasilan pengembalian pinjaman anggota mengalami peningkatan. Boleh dikatakan tingkat kemacetan penyetoran angsuran kurang dari 1%. Berdasarkan catatan dari Bank Nagari Bukittinggi, sebagai lembaga perbankan yang membina administrasi penyaluran pinjaman dana bergulir sektoral, KSP Lumbuang Pusako telah mengembalikan pokok pinjaman sebesar Rp 300 juta. Sebagai Ketua KSP, Asnimar yakin bahwa sisa pinjaman pokok yang masih sebesar Rp 700 juta akan bisa dilunasi. Jika pun itu baru bisa dilunasi setelah ia tak lagi menjabat sebagai Ketua KSP, Anismar yakin para penerusnya akan melakukan itu. Dan, yang penting, Ia juga yakin bahwa dana bergulir itu akan terus bergulir memberdayakan para anggota Lumbuang Pusako. Salah satu usaha konveksi anggota KSP Lumbuang Pusako KSP Lumbuang Pusako Alamat : Jl. Tarok Bungo No. 9A, Kec. Guguak Panjang, Kab. Bukittinggi, Provinsi Sumatera Barat Berdiri : 2 Januari 1988 Badan Hukum : No:188.45 – 385 – 2006 Tahun Perkuatan Modal : Tahun 2005 Jumlah Perkuatan Modal Ketua Jumlah Anggota : Rp1 miliar : Hj. Anismar Asri : 178 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 29
KSP LUMBUANG PUSAKO Bukittingi City - West Sumatera If the Cooperation Sustainability is the Determinant of Glory For administrators of KPS Lumbuang Pusako, running a cooperation re quires skills and experience. Without those elements, success is only a fantasy. Not only administrators, members are also required to understand and even have the ability to manage the cooperation. Due to proper introduction to the members cooperation becomes more dynamic, they can supervise each other, and so forth. “We always try to be administrators who could also be a role model for members and at the same time protect the members,” said Anismar Asri, Chairman of KSP Lumbuang Pusako. For that purpose, KSP in cooperation with Cooperation Services holds trainings, both for administrators and cooperation. For administrators, the follow up of trainings is obvious, i.e. to directly apply the knowledge in cooperation management practice. What about the members They will participate in cooperation apprenticeship. Each month five members are chosen to participate in such apprenticeship. KSP itself hopes that this apprenticeship activity will become educational and training event for members to discover the process of cooperation administration. In the future, if regeneration takes place, members are ready to accept the administration handover. This patter of regeneration is obviously profitable since there are many members who have already understood how to administer the cooperation. KSP Lumbuang Pusako is one of superior cooperations in Bukittingi City. This cooperation with Rp 5 billion asset has even received eleven awards, starting from regency/ city, province up to national level. In its dynamic, KSP Lumbuang Pusako received an achievement award as the Best Cooperation I for Bukittinggi City Level in 1992, Achiever Cooperation for Bukittinggi City level in 2002, Healthy Cooperation for Bukittingi City Level in 2002. Then in 2001 this KSP was crowned as Achiever Cooperation for National Level. Two decades ago, this cooperation was known with the name KOPINKRA, an embroidery handicraft and convection industrial cooperation. At its tender age of tw, this cooperation has attracted attention of the government. From one year to another, KSP development has shown a significant increase. In terms of asset, for instance, the total asset of this KSP has reached Rp 5 billion. A couple of years ago this cooperation capital was only Rp 2.5 billion. In loan affairs KSP applies effective ways. Cooperation administrators set out several conditions. The amount of loan to be provided to members is adjusted to the membership period, loyalty and amount of savings. The success of members in developing their business will have positive impact for the development of KSP, of course. This can be seen from the loan return success increase rate. It may be concluded that the installment deposit nonperformance is less than 1%. Based on the record of Nagari Bukittinggi Bank, as the banking institution that develops sector scrolling distribution administration, KSP Lumbuang Pusako has returned principal loan in the amount of Rp 300 million. 30 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 28 and 29: ing Fund Strengthening Aid For Sect
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 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
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KSP RINJANI PERKASA AT SELONG REGEN
Page 102 and 103:
NUSA TENGGARA TIMUR East Nusa Tengg
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perjalanannya disadari bahwa kelomp
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KOPDIT OBOR MAS Sikka Life Light at
Page 108 and 109:
memberikan bunga pinjaman hanya 1,5
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KOPDIT SWASTI SARI Kupang, East Nus
Page 112 and 113:
KALIMANTAN TENGAH Central Kalimanta
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anggota. “Amanah bukan sekadar da
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Pengurus KSP Surya Sekawan mengunju
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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
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KSP AYAMEN MANDIRI Clove Farmers Pa
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Sumiati dan usaha budidaya ikan air
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Salah satu indikator, misalnya, bis
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Lahan persawahan di Kabupaten Minah
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SULAWESI TENGGARA Southeast Sulawes
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Rumput laut hasil produksi usaha ta
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Inspirasi La Rimu Menjadi petani ru
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Aktivitas petani rumput laut anggot
Page 140 and 141:
Aktivitas KSP Mina Sejahtera dalam
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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
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Aktivitas usaha penggilingan gabah
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Lahan pertanian yang dikelola oleh
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Para pengurus KSP Cipta Mandiri K o
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esar tidak hanya bagi peningkatan k
Page 156:
pacity increase. In the favorable b
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