Koperasi Peduli Rakyat Sejahtera - Smecda

KSP RUKUN IKHTIAR BANDUNG
Still Exists After Six Decades
The establishment of cooperation in In
donesia is inseparable from the history
of cooperation itself. Many cooperations
of various types are developing in Indonesia.
Their conditions also vary. There are
some that still exist and even become superior
business entities, however there are also
some that had to fall in their journeys since
they could not balance with the unstable economic
condition. One of the cooperations that
still exist is Save Loan Cooperation (KSP) of
Rukun Ikhtiar Bandung. KSP Rukun Ikhtiar is
one of the oldest cooperations in West Java.
This cooperation was established in 1930,
older than the Milk Cooperation in
Pangalengan that was established in 1949 by
the Indonesian Cow Farmers Association of
Pangalengan (Gappsip).
Equipped with such old age and long experience
(79 years), it is obvious that KSP
Rukun Ikhtiar is able to grow and keep developing,
although it has to compete with other
similar business entities. In the cold hand of
H. Suryana, who since 1999 has led this
KSPRI , this Rukun Ikhtiar is able to survive
and even show more of its existence.
From its membership point of view, for example,
from one year to another the number
of members of KSPRI has become larger and
larger. In 2008, the number of KSP members
was 9,521. In July 2009 the number of members
increased to become 10,072. The increase
of this number of members of course
affects the amount of cooperation capitalization
amount and volume of asset. According
to Chairman of KSP Rukun Ikhtiar, Suryana,
the total asset of KSP Rukun Ikhtiar at this time
is at the level of Rp 20 billion.
Increase also occurs to the loan balance
quality, which increased by up to 5.35%. The
loan provided in 2008 to 4,270 members
reached the amount of Rp12.66 billion. That
amount is higher than the loan amount in
2007 provided to 3,991 members i.e. Rp 12.01
billion. The amount of loan provided varies
from the smallest Rp 1 million to a maximum
of Rp 20 million. For each loan, loan service
is charged in the amount of 3%.
In 2005, KSP Rukun Ikhtiar became one
of sector scrolling fund aid receiver cooperations
in the amount of Rp 1 billion, which was
focused to fund capitalization need to its members
who are engaged in agribusiness field
and any other real sectors. In the context of
fund distribution, KSP management is very
selective. They require collaterals such as land
certificate. The amount of borrower’s savings
amount and the level of its return also determine
the amount of loan granted. This system
is intended to press the amount of non
performing loan. This system is proven to be
effective in pressing non performing credit.
Up to now, the amount of non performing loan
in KSP Rukun Ikhtiar has been less than 1%.
Such various favorable reports finally
ended up in profit gaining. In 2008 this KSP
noted a profit of Rp 1.643 billion. This amount
increased from the profit gained in 2007 which
was Rp 1.487 billion. On such achievement,
Cooperation Service of Small Middle Scale
Enterprises (UKM) and Industry and Trading
of Bandung City gave the score of 87.2 (eighty
seven point two) to KSP Rukun Ikhtiar. It
means KSP Rukun Ikhtiar is one of cooperations
with the predicate Healthy Cooperation.
“KSP Rukun Ikhtiar is the pride cooperation
of Bandung City” said H. Meivy Adha Krisnan,
Drs, M.Si, Secretary of Cooperation Service
of Small Middle Scale Enterprises (KUKM) and
Industry and Trading of Bandung City. This
KSP was also crowned as the Achiever Save
Loan Cooperation in 2008 by State Minister
of Cooperation and Small Middle Scale Enterprises.
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 43