Koperasi Peduli Rakyat Sejahtera - Smecda

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KSP Trisula Majalengka The Progress of Trisula in “The Wind City” Twenty Six years ago, precisely in 1983, a farmer organization in three villages in the district of Palasah Majalengka Regency had a discussion. They were united under Tegalsipur Farmers Group. In such regular farmers meeting, Subani, the group leader, proposed to establish a business entity that could protect farmers, both in providing various needs of farmers and accomodating their harvest output, including the price certainty of crops sale proceeds. In principal, they wanted to have a cooperation. Trisula, or KUD Trisula, is the name they picked for the business entity that they tried to establish based on kindship and working together spirit. In 2004, KUD Trisula was programmed to become a participant of scrolling fund strenghtening program from the government in the form of agribusiness program credit with a value of Rp 1 billion. In order to be able to obtain such fund, the business entity must be in the form of Save Loan Cooperation (KSP). Therefore, the existing Save Loan Unit (USP) in KUD Trisula was then developed to become Save Loan Cooperation (KSP) of Trisula. The formation change from USP to become KSP, could not attract the interest of the community to become a customer/member of KSP Trisula. Neverthelessm, KSP performance kept showing a significant increase. According to June 2009 balance, the amount of asset was on the level of Rp 9 billion. The save distributed in 2008 was noted at Rp 6.6 billion. Service scope became wider. Previously (when it was still in the form of USP) the operation only covered Palasah District, now KSP Trisula covers several other districts in Majalengka Regency, including 26 districts and 331 village with number of members up to 1,541. Fantastic numbers! In addition to administrative requirements, Trisula management also applies qualification requirements. Each of the borrower must obtain recommendation from a group unit comprising 20 up to 50 persons. Without such recommendation, loan could not be liquidated even if administratively the borrower has met the requirements. The amount of loan varies from the smallest amount Rp 1 million up to 150 million with interest rate of 2 percent. The joint responsibility (togetherness) with group aproach pattern is the system used by KSP Trisula in distributing loan. This type of distribution pattern is able to press non performing credit risk. In 2008 balance, for instance, non performing loan (NPL) of KSP Trisula was under 5%. According to the record of Jabar Banten Bank Majalengka Branch, KSP Trisula is the cooperation with quite favorable level of loan return. In mid 2009, the level of loan return of scrolling fund in the amount of 1 billion had reached 50% or in the amount of Rp 500 million. Even though KSP Trisula is only 5 years old, it has achieved several awards in regency, province and national levels; such as Achiever Cooperation Champion for Save Loan Cooperation Group Majalengka Regency Level, Achiever Save Loan Cooperation West Java Province Level in 2006. On the 62th Cooperation Day, KSP Trisula reached the achievement as The Best Cooperation for National Level in the year 2009 with the category of Independent Business Cooperation. 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 49
Suasana di Kantor Koperasi Simpan Pinjam (KSP) Wahana Arta Mukti (WAM) Kecamatan Dawuan, Subang KSP Wahana Arta Mukti Kabupaten Subang - Provinsi Jawa Barat Bila Tak Ada Dusta di Antara Kita adalah Kunci Sukses Di Kabupaten Subang, Jawa Barat, setidaknya terdapat 828 unit koperasi dengan berbagai bentuk usaha mulai dari Koperasi Unit Desa (KUD), Koperasi Jasa, Koperasi Pemasaran, Koperasi Serba Usaha (KSU), Koperasi Pondok Pesantren hingga Koperasi Simpan Pinjam (KSP). Badan usaha yang disebut terakhir jumlahnya 46 unit. Satu di antaranya Koperasi Simpan Pinjam (KSP) Wahana Arta Mukti (WAM) Kecamatan Dawuan Subang. KSP WAM tumbuh dan berkembang di antara koperasi lainnya. Kisah sukses koperasi yang tumbuh dan berkembang di kabupaten yang dikenal sebagai penghasil nanas madu ini layak disimak. Syahdan, pada 2004, Pemerintah melalui Kementerian Koperasi dan UMKM menggulirkan dana bantuan agribisnis Rp 1 miliar. Syaratnya penerima dana ini tentu saja koperasi simpan pinjam. Pada waktu itu KSP Wahana Arta Mukti masih berbentuk KUD Wahana Arta Mukti. Karena itu, pada tanggal 2 Oktober 2004, pengurus dan 29 anggota aktif KUD Wahana Arta Mukti bermusyawarah untuk mengembangkan Usaha Simpan Pinjam (USP) yang merupakan unit usaha otonom KUD Wahana Arta Mukti menjadi badan usaha yang mandiri. Mereka bersepakat untuk membentuk Koperasi Simpan Pinjam (KSP) dan diberi nama Wahana Arta 50 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
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 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 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
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memberikan bunga pinjaman hanya 1,5
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KOPDIT SWASTI SARI Kupang, East Nus
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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
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Aktivitas KSP Mina Sejahtera dalam
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Aktivitas anggota KSP Mina Sejahter
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Para pengurus KSP Mina Sejahtera K
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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
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pacity increase. In the favorable b
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