“ E T S Ma n a j e me n K op e ra s i (A )”
Oleh:
Fe r r y A r d a c a n d r a S . H ( 1 2 1 2 0 0 0 3 0 0 )
Y t h . D o s e n P e n g a mp u :
SEMESTER 3
SURABAYA
2021
KATA PENGANTAR
S e l u r u h p u j i s yu k u r k a m i p a n j a t k a n k e p a d a T u h a n Y a n g M a h a E s a . A t a s
r a h m a t s e r t a k a r u n i a - N ya , k a m i b i s a m e n u n t a s k a n t u ga s p e n yu s u n a n
makalah mata kuliah ini. Tidak kurang ingat shalawat dan salam
t e r c u r a h k e p a d a R a s u l u l l a h S A W ya n g s ya f a ’ a t n ya k i t a n a n t i k a n n a n t i .
P e n yu s u n a n m a k a l a h b i s a d i t u n t a s k a n s e b a b d o r o n ga n b a n ya k p i h a k .
h a n ya i t u , k a m i p u l a b e r h a r a p s u p a ya p e m b a c a m e m p e r o l e h s u d u t
P e n u l i s m e n ya d a r i m a k a l a h i n i m a s i h m e m b u t u h k a n p e n ye m p u r n a a n ,
paling utama pada bagian isi. Kami menerima seluruh wujud kritik
s e r t a a n j u r a n p e m b a c a d e m i p e n ye m p u r n a a n m a k a l a h . A p a b i l a a d a
b a n ya k k e s a l a h a n p a d a m a k a l a h i n i , k a m i m e m i n t a m a a f .
D e m i k i a n ya n g b i s a k a m i s a m p a i k a n . A k h i r k a t a , m u d a h - m u d a h a n
ii
DAFTAR ISI
3 . 1 K E S I M P U LA N . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 3
3 . 2 G A LE R I K O P E R A S I . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 3
iii
BAB I
PENDAHULUAN
b a d a n u s a h a ya n g b e r a n g g o t a k a n o r a n g - s e o r a n g a t a u b a d a n h u k u m
k o p e r a s i , s e k a l i g u s s e b a g a i g e r a k a n e k o n o m i r a k ya t a t a s a s a s
k e k e l u a r ga a n .
m e n ye b u t k a n b a h w a t u j u a n k o p e r a s i d i I n d o n e s i a a d a l a h :
D i I n d o n e s i a , k o p e r a s i m e m p u n ya i b e b e r a p a j e n i s , s a l a h
r e n t e n i r . P e n ge r t i a n r e a n t e n i r a d a l a h p i n j a m a n d e n g a n b u n g a ya n g
s a n g a t t i n g g i . K o p e r a s i S i m p a n P i n j a m ( K S P ) s e yo g ya n ya t i d a k
m e n ge n a k a n b u n g a t i n g g i k e p a d a a n g g o t a n ya . N a m u n d e m i k i a n
K S P j u g a t i d a k h a r u s m e m b e r i k a n b u n ga ya n g s a n ga t r e n d a h
4
sehingga KSP tidak bisa m e m b i a ya i k e h i d u p a n n ya sendiri.
A n g g o t a h a r u s s a d a r b a h w a p e m b a ya r a n b u n ga p i n j a m a n k e p a d a
p e m b i ya a n d a r i u s a h a n ya , b e s a r k e c i l n ya n i l a i m o d a l ya n g a d a
p a d a k o p e r a s i m e n e n t u k a n b e s a r k e c i l n ya l a p a n ga n u s a h a ya n g
b e r p e r a n u t a m a d a l a m k e h i d u p a n e k o n o m i r a k ya t
1 9 P P N o . 9 T a h u n 1 9 9 5 , ya k n i :
d i a m b i l k e m b a l i o l e h c a l o n a n g g o t a k o p e r a s i p a d a w a k t u ya n g
5
Pasal 1 angka 5 PP No. 9 Tahun 1995 menjelaskan bahwa :
A t a s d a s a r r i w a ya t d a n p e m b a t a s a n p a d a m a s a l a h d a l a m
1 . B a ga i m a n a p r o s e s k r e d i t d a n t a b u n g a n d a n p i n j a m a n
K o p e r a s i S w a s t i S a r i S u r a b a ya ?
1.3 TUJUAN
B e r d a s a r k a n r u m u s a n m a s a l a h d i a t a s m a k a t u j u a n ya n g
h e n d a k d i c a p a i o l e h p e n u l i s a d a l a h s e b a ga i b e r i k u t :
S u r a b a ya .
6
BAB II
PEMBAHASAN
S u s t e r b e r n a m a C a r o l i e H a r t a t i , C B , K e t u a Y a ya s a n S w a s t i S a r i
1 . K e u a n g a n p a r a G u r u d a n p e ga w a i ya ya s a n k a l a i t u s a n g a t t i d a k
d e m i k i a n m e m b u a t m e r e k a t e r p a k s a p a d a p e r t e n ga h a n b u l a n
s e l a l u m e m i n j a m u a n g d i ya ya s a n d a n m e n g e m b a l i k a n n ya t i d a k
a d a b u n ga
RENTENIR.
3 . G a j i p a r a g u r u b a i k g u r u n e g e r i m a u p u n s w a s t a ( ya ya s a n )
t e r g o l o n g m a s i h s a n ga t r e n d a h / k e c i l
4 . A d a n ya s u r a t e d a r a n d a r i B u p a t i k a b . K u p a n g ( P a u l La w a R i h i )
ya n g i s i n ya b a h w a s e m u a G u r u N e g e r i ya n g d i p e k e r j a k a n d i
m e n d a f t a r m e n j a d i “ a n g g o t a K P N ” ( K o p e r a s i P e ga w a i N e ge r i )
K u p a n g . S u r a t e d a r a n i n i t i d a k d i r e s p o n m a l a h s e b a l i k n ya
7
m e m p e r k u a t k e ya k i n a n d a n s e m a n ga t p a r a G u r u d a n p e g a w a i
ya ya s a n b a h w a s e ge r a m e m b e n t u k s e b u a h k o p e r a s i .
D e n g a n l a n d a s a n P e m i k i r a n d a n s e m a n ga t ya n g t u m b u h d a r i ,
P a r a G u r u d a n P e g a w a i Y a ya s a n t e r s e b u t , m a k a K e t u a ya ya s a n
m e l a l u i s e k r e t a r i s n ya b e r n a m a B p k . P i u s P u r a b m e n g u n d a n g p a r a
P e g a w a i Y a ya s a n ” . H a s i l k e p u t u s a n r a p a t ya k n i :
1 . Y a ya s a n m e m b e n t u k s e b u a h K o p e r a s i
2 . M e n u g a s k a n s e k r e t a r i s ya ya s a n d a l a m h a l i n i b p k . P i u s P u r a b
sebuah Koperasi
d a n a k a n d i b a h a s d a l a m r a p a t p a r a g u r u d a n p e ga w a i ya ya s a n
4 . R a p a t p e m b a h a s a n k o n s e p a n gg a r a n d a s a r d i l a k s a n a k a n p a d a
d i a d a k a n R a p a t K e d u a p a d a t a n g g a l 1 Fe b r u a r i 1 9 8 8 , p a r a g u r u
d a n p e ga w a i d a r i 1 7 S D h a d i r p a d a r a p a t t e r s e b u t d a n s e t i a p S D
d a n p e g a w a i ya n g h a d i r p a d a t a n g g a l 1 Fe b r u a r i 1 9 8 8 d i s e p a k a t i
8
bahwa berjumlah 97 orang. Dari 97 orang ya n g hadir,
K o p e r a s i , d e n ga n n a m a “ K o p e r a s i K r e d i t S w a s t i S a r i K u p a n g” .
B e r d a s a r k a n n a m a n ya m a k a S w a s t i : P e n d i d i k a n , S a r i : U t a m a ,
k a r ya w a n .
2 . T a n g g a l 1 Fe b r u a r i 1 9 8 8 d i t e t a p k a n s e b a g a i h a r i b e r d i r i n ya
(Alm)
Susunan pengurus:
N a ma Jabatan
Ketua Dewan
Sr Carolie Hartati, CB
Pimpinan
B p k . Fr a n s N u k a Wakil Ketua 1
B p k . C o s m a s La u Wakil Ketua 2
A n d r e a s La u Sekretaris 2
9
S u s u s n a n P e n ga w a s :
N a ma Jabatan
B p k . Ba l t h a z a r S e r a n N a h a k Ketua
D r s . P i e t Li e r i a n E t o Anggota
B p k . M e l k i o r Le a R a e Anggota
S e k r e t a r i s p a n i t i a u j i a n c a w u t e r p a d u ” ya i t u B p k . Fr a n s N u k a
6 . D a r i 9 7 ( S e m b i l a n p u l a h T u j u h ) o r a n g ya n g h a d i r r a p a t ,
48.500
7 . R a p a t m e n u ga s k a n k e t u a p e g u r u s d a n p a n g a w a s a t m e n u g a s k a n
t e n t a n g t e l a h t e r b e n t u k n ya k o p e r a s i k r e d i t s w a s t i s a r i k u p a n g .
10
N a ma Jabatan
K e t u a Y a ya s a n
Cabang Kupang
Kepsek SDK
B p k . Ba l t h a z a r S e r a n N a h a k
Penfui
S e k r e t a r i s Y a ya s a n
Bpk. Pius Purab
Swasti Sari
11
Y a ya s a n S w a s t i
Sari
Visi
Indonesia”.
Misi
Selain Visi dan Misi Kopdit Swasti Sari memiliki nilai inti,
ya i t u S E J A H T E R A ya n g m e m i l i k i a r t i s e b a g a i b e r i k u t :
H = H o n e s t y ( M e l a k u k a n a p a ya n g d i k a t a k a n , M e n g a t a k a n a p a
ya n g d i l a k u k a n )
E = E a r m a r k ( 7 S " S e n yu m , S a l a m , S a p a , S o p a n , S a n t u n , S e g e r a ,
Sukses")
12
A = Accountable (Berani Bertanggung Jawab Atas Ucapan Dan
Tindakan)
2.3 PROFIL
K S P K o p d i t S w a s t i S a r i a d a l a h s a l a h s a t u l e m b a g a k e u a n ga n
n o n p e r b a n k a n t e l a h 3 3 t a h u n h a d i r d a n m e m b e r i k a n p e l a ya n a n
k h u s u s n ya d i P r o v i n s i N u s a T e n g g a r a T i m u r . T e p a t t a n g g a l 1
Fe b r u a r i 1 9 8 8 K S P K o p d i t S w a s t i S a r i b e r d i r i . P e l a ya n a n s w a s t i
s a r i b e r i k a n k e p a d a a n g g o t a t e r b a g i d a l a m d u a m a c a m ya k n i
p e l a ya n a n f i n a n s i a l ( k e u a n g a n ) d a n n o n f i n a n s i a l .
e k o n o m i r u m a h t a n g g a ya n g p e l i k m e n j a d i e k o n o m i r u m a h t a n gg a
a n g g o t a ya n g k u a t d a n m a n d i r i . D i l a i n s i s i P e l a ya n a n n o n
k e u a n ga n m e r u p a k a n p e l a ya n a n p e n d i d i k a n k e p a d a a n g g o t a ya n g
dilakukan secara rutin baik itu per minggu, per triwulan dan
s e t a h u n s e k a l i . S e l a i n p e n d i d i k a n , a n g g o t a j u ga d i d a m p i n gi d a l a m
m e n ge l o l a k e u a n ga n n ya a ga r t e r a r a h d a n t e p a t s a s a r a n .
P e l a ya n a n n o n k e u a n ga n s e m a t a - m a t a a g a r p o l a p i k i r
m a s ya r a k a t b e r u b a h d a r i k o n s u m t i f k e p r o d u k t i f . K S P K o p d i t
S w a s t i S a r i m e n ya d a r i b a h w a p e r u b a h a n p o l a p i k i r a t a u c a r a
13
k e b i a s a a n , k e b i a s a a n ya n g b a i k a k a n m e m b e n t u k k a r a k t e r ya n g
b a i k m a k a p a d a a k h i r n ya n a s i b a n g g o t a b e r u b a h k e a r a h ya n g
Swasti Sari.
S e b a ga i l e m b a g a k e u a n g a n ya n g b e r b a d a n h u k u m , K o p d i t
S w a s t i S a r i s e c a r a r u t i n m e l a k u k a n p e l a p o r a n k e u a n ga n k e p a d a
N a s i o n a l ya n g m e n d a p a t p e n g e s a h a n P e r u b a h a n A n g g a r a n D a s a r
n a i k n ya d a r i P r i m e r P r o v i n s i k e P r i m e r N a s i o n a l m a k a K S P
K o p d i t S w a s t i S a r i t e l a h m e m b u k a p e l a ya n a n k e p a d a m a s ya r a k a t
ya n g d i p r o vi n s i B a l i .
14
2.4 STRUKTUR ORGANISASI
p e n j e l a s a n u r a i a n t u g a s d a r i b a g i a n - b a gi a n d a l a m s t r u k t u r o r g a n i s a s i
tersebut.
a. Rapat Anggota
15
M e r u p a k a n p e m e g a n g k e k u a s a a n t e r t i n g g i d a l a m k o p e r a s i ya n g
d i a d a k a n s e k u r a n g - k u r a n g n ya 1 ( s a t u ) k a l i s e t a h u n d a n t i a p a n g g o t a
m e m p u n ya i 1 ( s a t u ) s u a r a d a l a m r a p a t a n g g o t a , d a n m e m p u n ya i t u g a s
s e b a ga i b e r i k u t :
pengurus.
belanja koperasi.
5 ) M e n e t a p k a n b a t a s m a k s i m u m p i n j a m a n ya n g d a p a t d i l a k u k a n o l e h
p e n g a w a s d a n p e n g u r u s d a l a m p e l a k s a n a a n t u g a s m a s i n g - m a s i n g.
pembubaran
koperasi.
9 ) M e n e t a p k a n k e p u t u s a n l a i n d a l a m b a t a s ya n g d i t e n t u k a n o l e h
Undang-Undang ini.
b. Penasihat
P e n a s i h a t m e m p u n ya i t u g a s s e b a g a i b e r i k u t :
1 ) B e r t a n g g u n g j a w a b u n t u k m a j u m u n d u r n ya o r g a n i s a s i .
16
3) Memberi nasihat serta pembinaan.
c . P e n ga w a s
T u ga s d a r i p e n ga w a s a d a l a h s e b a g a i b e r i k u t :
2 ) M e m b e r i n a s i h a t d a n p e n ga w a s n k e p a d a p e n g u r u s .
p e n g e l o l a a n k o p e r a s i ya n g d i l a k u k a n o l e h p e n g u r u s .
4 ) M e l a p o r k a n h a s i l p e n ga w a s a n k e p a d a R a p a t A n g g o t a .
d. Pengurus
P e n g u r u s m e m p u n ya i t u ga s s e b a g a i b e r i k u t :
Anggota.
4 ) M e n yu s u n l a p o r a n k e u a n g a n d a n p e r t a n g g u n g j a w a b a n p e l a k s a n a a n
t u ga s u n t u k d i a j u k a n k e p a d a R a p a t A n g g o t a .
koperasi
6 ) M e n ye l e n g g a r a k a n p e m b u k u a n k e u a n ga n d a n i n v e n t a r i s s e c a r a
tertib.
17
7 ) M e n ye l e n g g a r a k a n pembinaan k a r ya w a n secara efektif dan
efisien.
8 ) M e m e l i h a r a b u k u d a f t a r a n g g o t a , b u k u d a f t a r p e n ga w a s , b u k u
9 ) M e l a k u k a n u p a ya l a i n b a g i k e p e n t i n g a n d a n k e m a j u a n k o p e r a s i
s e s u a i d e n g a n t a n g g u n g j a w a b n ya d a n k e p u t u s a n R a p a t A n g g o t a .
e . G e n e r a l M a n a ge r
T u ga s d a r i G e n e r a l M a n a g e r a d a l a h s e b a g a i b e r i k u t :
pengurus.
kepada pengurus.
k e b i j a k a n s e r t a p r o g r a m k e r j a d a n a n g g a r a n ya n g m e l i p u t i u s a h a ,
4 ) M e n j a l i n , m e m e l i h a r a d a n m e n g e m b a n g k a n h u b u n ga n k e r j a s a m a
f . W a k i l G e n e r a l M a n a ge r
18
pengendalian kebijakan serta program kerja KSP Kopdit Swasti
Sari.
g. Kadiv Perkreditan
T u ga s d a r i k a d i v p e r k r e d i t a n a d a l a h :
1 ) M e n ya l u r k a n d a n a k e p a d a a n g g o t a d a l a m b e n t u k p i n j a m a n d e n g a n
k e k a ya a n .
3 ) M e m b u a t l a p o r a n k e gi a t a n d a n c a p a i a n s e t i a p b u l a n a n d e p a r t e m e n
ini kepada GM
4 ) M e m b u a t d a t a s t a t i s t i k k r e d i t ga b u n ga n .
a g a r d a p a t m e n j a l a n k a n f u n g s i d a n t u ga s n ya s e c a r a o p t i m a l .
h . Ka d i v K e u a n g a n
T u ga s d a r i k a d i v k e u a n g a n a d a l a h :
3 ) M e m b u a t l a p o r a n k e u a n ga n l e n g k a p .
4 ) M e m b u a t l a p o r a n k e g i a t a n d a n c a p a i a n s e t i a p b u l a n a n D i vi s i
i. Kadiv HRM
19
T u ga s d a r i k a d i v H R M ya i t u :
p a d a b i d a n g p e n ge l o l a a n d a n j u g a p e n ge m b a n ga n S D M , s e p e r t i
konsultasi,
p e l a t i h a n , m e m b a n g u n m o t i v a s i , e va l u a s i d a n l a i n s e b a g a i n ya .
2 ) P e n e t a p a n d a n p e m e l i h a r a a n s i s t e m ya n g a d a d e n ga n t u j u a n u n t u k
Manusia
(SDM).
masalah,
s t r a t e g i d a l a m m e n g e m b a n g k a n S D M d a n p e n c a p a i a n n ya s e s u a i
kesepakatan.
4 ) B e r t u ga s d a l a m p e n ge m b a n g a n d a n m e n g a t u r s t a f .
j . K a d i v IT d a n P e n g e m b a n g a n
T u ga s d a r i K a d i v I T & P e n g e m b a n ga n ya i t u :
k o m p u t e r i s a s i ya n g h a n d a l d a n u p t o d a t e .
2 ) M e m p e r k e n a l k a n K S P K o p d i t S w a s t i S a r i k e p a d a m a s ya r a k a t l u a s
m e l a l u i m e d i a - m e d i a ya n g a d a s e r t a m e n g e m b a n g k a n p r o d u k d a n
p e l a ya n a n b a gi a n g g o t a .
20
k . Ka d i v P e n ge n d a l i a n I n t e r n a l
T u ga s d a r i K a d i v P e n ge n d a l i a n In t e r n a l :
b e r j a l a n s e s u a i s i s t e m d a n s t a n d a r ya n g t e l a h d i t e t a p k a n .
Kopdit.
5 ) M e l a p o r k e p a d a G e n e r a l M a n a ge r a g a r p a r a s t a f ya n g m e l a k u k a n
K S P K o p d i t S w a s t i S a r i m e m i l i k i s e j u m l a h k a n t o r k a s , ya i t u
k a n t o r k a s , K e f a m e n a n u d e n ga n 8 k a n t o r k a s , S o e d e n g a n 7 k a n t o r
k a s , A d o n a r a d e n g a n 6 k a n t o r k a s , S u m b a B a r a t D a ya d e n g a n 5
k a n t o r k a s , Le m b a t a d e n g a n 3 k a n t o r k a s , La r a n t u k a d e n ga n 3
k a n t o r k a s , W a i n g a p u d e n g a n 3 k a n t o r k a s , La b u a n B a j o d e n g a n 2
k a n t o r k a s , R o t e N d a o d e n ga n 2 k a n t o r k a s , E n d e d e n ga n 2 k a n t o r
k a s , d a n S a b u d e n ga n 1 k a n t o r k a s . S e l a i n d a e r a h - d a e r a h ya n g
t e l a h d i s e b u t k a n , K S P K o p d i t S w a s t i S a r i j u ga a k a n m e l a k u k a n
S u r a b a ya , D e n p a s a r , d a n R u t e n g .
21
2.5 PENGURUS
Asterius David
Ketua Pengurus
Daki, S.Pd
D r s . La m b e r t u s A r a
Wakil Ketua 1
Tukan, MM
Fr a n s i s k u s X . S .
Sekertaris
Rahas, S.Pd, M.Hum
22
2.6 PENGAWAS
Simon Anunu, S
K e t u a P e n ga w a s
.Ag, M.Pd
Y o h a n e s W a yo n g ,
Anggota Pengawas
SE
23
Baltasar Mosa
Sekertaris Pengawas
Gerans, SE
2.7 MANAJEMEN
Nama Jabatan
24
Yohanes Sason Helan, A.Md
General Manager
Hironimus B. Kabelen
Wakil General Manager
Thersia Pakae
K e p a l a D e v i s i K e u a n ga n
S e l f i a n a S h a n t y Fa l l o
Kepala Devisi Kredit
Nama Jabatan
Zacharias S. Bataona, ST M a n a ge r C a b a n g O e s a o
25
T e n ga h
N a t a l i a F. B e r e k K e l e n M a n a ge r C a b a n g A d o n a r a
M a n a ge r C a b a n g S u m b a Ba r a t
Valentino Riwu
D a ya
Wandris Non M a n a ge r C a b a n g R o t e N d a o
B e n ya m i n Le l t a k a e b M a n a ge r C a b a n g K e f a
S t e p h a n u s P . S a n i Le b u a n K o o r d i n a t o r C a b a n g La r a n t u k a
26
No Uraian Tahun 2018 (orang) Tahun 2019 (orang)
2.10.1 Keanggotaan
A d a p u n s ya r a t u m u m u n t u k m e n j a d i a n g g o t a K o p d i t S w a s t i
Sari ialah:
a . K e a n g g o t a a n b e r s i f a t s u k a r e l a d a n t e r b u k a b a gi s e m u a
orang.
A d a p u l a s ya r a t k h u s u s u n t u k m e n j a d i a n g g o t a K o p d i t S w a s t i
Sari ialah:
a . M e n g i s i f o r m u l i r P e r m o h o n a n M e n j a d i A n g g o t a ya n g t e l a h
b . M e l a m p i r k a n 1 ( s a t u ) l e m b a r f o t o c o p y k t p / k a r t u k e l u a r ga .
c . M e n ye t o r k e w a j i b a n m i n i m a l u n t u k m e n j a d i a n g g o t a s e b a g a i
berikut:
27
Simpanan Pokok Rp 100.000,-
Sibuhar Rp 50.000,-
BA/KSP A Rp 28.000,-
Total Rp 350.000,-
d . W a j i b M e n g i k u t i P e n d i d i k a n D a s a r ya n g d i s e l e n g g a r a k a n
o l e h K S P . K O P D I T S W A S T I S AR I .
A T M a t a u A u t o m a t e d T e l l e r M A c h i n e a d a l a h l a ya n a n
K o p d i t S w a s t i S a r i ya n g d i b u a t u n t u k m e m u d a h k a n A n g g o t a
Kpdit Swasti Sari dalam menarik dana tunai tanpa dibatasi jam
p e l a ya n a n . A T M K o p d i t S w a s t i S a r i b e r o p e r a s i s e l a m a 2 4 j a m .
U n t u k t r a n s a k s i ya n g d a p a t d i l a k u k a n d i A T M K o p d i t
a. Informasi Saldo;
b. Ganti Pin;
c. Penarikan Tunai;
e. Transfer SIBUHAR
28
S a a t i n i K o p d i t S w a s t i S a r i m e m i l i k i A T M s e b a n ya k 3 U n i t
ya n g b e r a d a d i :
a . K C U . K o t a K u p a n g , J a l a n P e r i n t i s Ke m e r d e k a a n . K o t a
Kupang
c . K C U . O e s a o , J l n . T i m o r R a ya K M 2 9 , O e s a o , K a b . K u p a n g
2 . 1 0 . 3 S a n t u n a n D u ka
a n g g o t a k e p a d a a n g g o t a ya n g m e n i n g g a l d u n i a .
a . I u r a n d i b a ya r s a t u k a l i s a a t m e n d a f t a r m e n j a d i a n g g o t a
w a r i s ya n g t e r c a t a t d i d a l a m s i s t e m .
c . S a n t u n a n D u k a ya n g d i t e r i m a o l e h a h l i w a r i s R p .
8 . 0 0 0 . 0 0 0 , . d i t a m b a h d e n g a n l a m a a n g g o t a ya n g m e n i g g a l
t e r d a f t a r m e n j a d i a n g g o t a d i m a n a s e t i a p t a h u n d i h a r ga i R p .
1 0 0 . 0 0 0 , . d a n d i t a m b a h l a gi j i k a s u a m i / i s t r i / a n a k - a n a k
s u d a h t e r d a f t a r m e n j a d i a n g g o t a , s e t i a p o r a n g n ya d i h a r g a i
Rp. 400.000,.
2 . 1 0 . 4 S i mp a n a n S a h a m
S ya r a t u n t u k m e m b u k a t a b u n ga n :
29
a. Simpanan Pokok Rp. 100.000,. (di setor 1x saat melalukan
B e r s a m a ) ya n g d i k e l o l a h o l e h I n d u k K o p e r a s i K r e d i t
(INKOPDIT).
anggota.
2 . 1 0 . 5 S i mp a n a n B u n g a H a r i a n
S ya r a t u n t u k m e m b u k a t a b u n ga n :
hari.
c . B u n g a d i H i t u n g S e t i a p H a r i d a n d i d e b e t s e t i a p b u l a n n ya .
d . S a l d o m i n i m a l d i d a l a m b u k u t a b u n ga n R p . 5 0 . 0 0 0 .
f . D a p a t M e l a k u k a n P e n a r i k a n d i s e l u r u h k a n t o r K S P k O P D IT
SWASTI SARI.
g . T i d a k d i k e n a k a n b i a ya a d m i n i s t r a s i b u l a n a n .
2 . 1 0 . 6 S i mp a n a n P e n d i d i ka n
S ya r a t m e m b u k a s i m p a n a n p e n d i d i k a n :
30
b. Bunga Simpa na n 4%/t hn ata u 0,33%/bl n.
c . B u n g a La n g s u n g d i d e b e t k e d a l a m s i m p a n a n .
d . B i a ya P e m b u a k a a n S i m p a n a n R p . 1 6 . 0 0 0 , .
berjalan.
f . T i d a k d i k e n a k a n b i a ya a d m i n i s t r a s i b u l a n a n .
2 . 1 0 . 7 S i mp a n a n H a r i R a y a
S ya r a t m e m b u k a t a b u n g a n :
c . B i s a d i s e t o r s e t i a p h a r i r a ya d a n p e n a r i k a n h a n ya d i l a k u k a n
p a l i n g c e p a t 1 4 h a r i s e b e l u m h a r i r a ya k e a g a m a a n a t a u
k e gi a t a n k e a g a m a a n l a i n d a r i a n g g o t a ya n g b e r s a n g k u t a n .
f . B i a ya P e n g g a n t i a n b u k u R P . 6 . 0 0 0 .
2 . 1 0 . 8 S i mp a n a n M a s a D e p a n
S ya r a t m e m b u k a t a b u n g a n :
31
d. Bunga langsung di debet ke buku SIMAPAN (Bunga
B e r b u n ga ) .
f . T i d a k d i k e n a k a n b i a ya a d m i n i s t r a s i b u l a n a n .
2 . 1 0 . 9 S i mp a n a n T i t i p a n
s a h a m , ya n g d i b u k a p a d a s a a t p e n c a i r a n p i n j a m a n . ( m a s u k
d a l a m p o l j a k p i n j a m a n ) . S ya r a t m e m b u k a a d a l a h :
c . S i m p a n a n b o l e h d i t a r i k j i k a p i n j a m a n n ya s u d a h l u n a s
menambah simpanan.
2.10.10 S i mp a n a n S u ka r e l a B e r j a n g ka ( D e p o s i t )
S ya r a t p e m b u k a a n t a b u n g a n :
d . S u k u B u n g a ya n g d i t a w a r k a n m u l a i d a r i 4 % s / d 7 % .
e . B u n g a d a r i t a b u n g a n i n i a k a n d i d e b e t k e t a b u n ga n
S I B U H A R s e t i a p b u l a n , s e s u a i d e n ga n t a n g g a l j a t u h t e m p o .
32
f . T a b u n ga n i n i d a p a t d i j a d i k a n j a m i n a n u n t u k p i n j a m a n .
g. B i a ya a d m i n i s t r a s i u n t u k m a t e r a i d a n s e r t i f i k a t R p . 1 7 . 0 0 0 , .
33
BAB III
PENUTUP
3.1 KESIMPULAN
k o p e r a s i d a p a t m e n ge f i s i e n s i w a k t u s e r t a m e n g u r a n g i k e l a l a i a n
kredit.
B . D e n g a n a d a n ya m e t o d e p r o f i l e m a t c h i n g d a l a m m e n ye l e s a i k a n
m e m u d a h k a n p i h a k k o p e r a s i d a l a m m e n e n t u k a n k r e d i t ya n g l a ya k
diterima.
C . D e n g a n d i b a n g u n n ya a p l i k a s i p e n e n t u a n k r e d i t , a n g g o t a d a p a t
d e n g a n m u d a h m e l a k u k a n p e n d a f t a r a n d a n m e l a k u k a n p e n ga j u a n
kredit.
D . A n g g o t a j u ga d a p a t m e l a k u k a n t r a n s a k s i s e p e r t i a n g s u r a n d a n
simpanan.
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35
DAFTAR PUSTAKA
Official, S. S. (2021, Mei 31). KOPDIT SWASTI SARI. Diakses pada 10, 25, 2021, dari
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