IKSP Introduction
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Transcript of IKSP Introduction
A Secondary Saving & Loans Co-op
MFI profile in INDONESIAJenis LKM Jumlah
(Unit)Jumlah
Simpanan(Rp
miliar)
Jumlah Penyimpa
n(rekening
)
Jumlah Pinjaman
(Rp miliar)
JumlahPeminjam(rekening)
BANK
BRI Unit (Jun-04) 4.046 34.990 28,2 juta 20.315 3,15 juta
BPR (Jun-04) 2.157 14.374 5,2 juta 9.864 2,0 juta
BKD (Jun-04) 4.500 301 486 ribu 182 445 ribu
SUB TOTAL 10.703 49.665 33,8 juta 30.361 5,595 juta
NON BANK
A. FORMAL
KSP (Apr-03) 1.376 273 0, 689 juta
720 Na
USP (Apr-03) 35.218 1.157 10,6 juta 4.553 Na
LDKP (Jun-00) 2.272 334 Na 358 1,3 juta
SUB TOTAL 38.866 1.764 Na 4.707 690.3 juta
B. NON FORMAL
BMT (Des-01) 3.043 209 Na 567 1,2 juta
LKM Lain (GTZ, 2005)
31.363 Na Na Na 500 ribu
SUB TOTAL 34.406 327 Na 567 1,7 juta
TOTAL 83.975 51.756 > 33,8 juta
35.635 8.05 juta• KSP role in the MFI industry is still very small (total units of 1.6%, 2% loan, deposit 0.53% of total MFI industry. Total savings is much smaller than the total amount (LDR 348%).• Research for the doctoral thesis of Mr. Abdul Salam, Director of PT. PNM Persero 2003-2006
KSP USP
Jumlah Unit 3.624 unit 71.365 unit;
jumlah anggota 500.863 orang, 5.706.913 orang
omzet Rp. 5.738.120,15 juta Rp. 7.466.375,20 juta;
SHU Rp. 54.009,62 juta; Rp. 694.677,39 juta;
Aset Rp. 9.195.129,56 juta; Rp. 17.439.631,44 juta;
jumlah simpanan Rp. 1.457.488,06 juta Rp. 1.728.255,05 juta
volume pinjaman Rp. 5.731.120,16 juta Rp. 8.916.842,71 juta.
*) Data tahun 2009 Sumber : Deputy Pengkajian, Kemenegkop
Data KSP (Saving & Loans Co-op), and USP (Saving & Loans Unit of Co-op)
Induk Koperasi Simpan Pinjam
Adalah koperasi simpan pinjam sekunder yang anggotanya adalah koperasi -koperasi primer dan /atau koperasi sekunder lainnya, yang bergerak dalam
usaha simpan pinjam yang berada di seluruh Indonesia
Is a secondary savings and loans co-op, whose members are the primary co-op and or another secondary co-op, engaged in savings and loans services located
throughout Indonesia
Established on September 7, 1997
Visi / Vision“Koperasi simpan pinjam adalah mitra utama bagi usaha mikro kecil di
Indonesia.”
Saving & loans co-op is a main partner for micro small business in Indonesia
Misi / Mission :Melakukan pendampingan manajemen dan perkuatan permodalan kepada
Koperasi Simpan Pinjam agar tumbuh secara berkelanjutan, menguntungkan, mensejahterakan anggota, serta menjadi tempat terbaik
untuk bekerja
Conducting management assistance and strengthening of capital to the Saving & loan Co-op in order to sustainable growth, profitable, prosperous
members, as well as being the best place to work
1.Kospin Jasa, Pekalongan, Jawa Tengah2.KSP, Kodanua, Jakarta3.KSP, 013 Penjaringan, Jakarta4.Kopwan Setia Bhakti Wanita, Surabaya, Jawa Timur5.Kopdit Borromeus, Bandung, Jawa Barat6.KSP Balo’ Toraja, Tana Toraja, Sulawesi Selatan7.KSP Kemajuan Bersama, Jakarta8.KSP Potre Koneng, Jakarta9.Puskowanjati, Malang, Jawa Timur
The founder of IKSPIKSP found from several initiatif of some co-op and supported by the
Ministry Of Cooperatives
Saat ini Jumlah :• Anggota : 53 unit Koperasi• Jumlah Calon Anggota : 50 Unit Koperasi• Jumlah Total nasabah : 129 unit KoperasiSebaran operasional ada kota-kota di 13 Provinsi
In June 2000 PT PNM, a state own enterprise, puts equity partisipation and management into IKSP to become part of their strategy in strengthening KSP in Indonesia
Pengurus / Board of Executive1.H. Zaky Arslan Djunaid, Ketua Umum2.H.R. Soepriyono, Ketua I3.Ibu Hj. Yoos S.A. Lutfi, Ketua II / Bendahara4.H. Sugiharto, Sekretaris
Staf Ahli / Staff Expert1.H. Sachrony2.H. Ir. Mubyl Handaling, MM.
Penasehat / Advisor•Biticaca
Pengelola / Manager•Dwinda P. Ruslan , Direktur Pelaksana/ Managing Director•Bela Wisnubrata, Wakil Direktur/ Deputy Managing Director
The Management
• Board of Executive elected among the members and appointed at the Members Meeting Yearly every 5 years• Staf Expert and Advisor, appointed by the Executive for the same period• Managing Director appointed by the Executive for a period in accordance with the requirements
Kiri-Kanan, Ibu Joos S.A. Lutfi (Ketua II & Bendahara), H. Zaky Arslan Djunaid (Ketua Umum), HR. Soepriyono (Ketua I), H. Sugiharto (Sekretaris)
Pengurus IKSP
Kiri-kanan : Biticaca-Advisor; H. Sachrony-Staf Ahli; H.Ir. Mubyl Handaling-Staf Ahli
The Strategy• Membangun kerjasama strategis
IKSP terus membangun kerjasama strategis dengan berbagai pihak.
• Memperkuat dan memperluas jangkauanIKSP akan memperluas jariangan baru dengan memanfaatkan KSP sekunder lokal yang nantinya akan bertindak sebagai IKSP di tingkat provinsi/kabupaten.
• Menerapkan good corporate governanceMeningkatkan kinerja yang profesional, sehat, dan transparan, serta menerapkan sistem pengelolaan baku yang merujuk pada sistem perbankan untuk menambah kepercayaan anggota dan mempermudah lembaga keuangan nasional/internasional untuk bekerjasama dengan IKSP.
• Building a strategy networkingIKSP continues to build strategic alliances with various parties.
• Strengthen and expand coverage IKSP will expand by utilizing local secondary KSP which will act as IKSP at the provincial / district
• Implementing Good Corporate Governance Improve the performance professionally and transparen by implementing a management system standard that refers to the banking system to increase the confidence of members and facilitate financial institutions nationally / internationally to cooperate with IKSP.
Dedicated to serving Responsive and appropriate in serving to offer solutions
Professional Manage with responsible, and transparent which is run by qualified staf
Collaborative/team work IKSP believe collaboration and team work will solve the problem Mutualism IKSP will cooperate on a mutually beneficial, both for members, partners and employees
The Value
Product and Services
Saving ProductVoluntary savingTime deposit saving
FinancingWorking Capital financingFunding liqudityTerm financing
Management servicesInstitutonal capacity buildingIncreasing competence of the management
Our Strengths1. Our last 5 years performance have shown continuous improvement 2. The Board of Executive has a good reputation 3. The Management team show high integrity in service to member 4. IKSP is not just financing, but also fostering a series of training such as
management, finance and accounting, credit and loans,
Weaknesses1. Limited of capital2. Limited source of fund3. Information of technology has not been used optimally
Opportunities
1. There is still a lot of Saving & Loans Co-op need financing and management assistance to improve ability to help their own member
2. Linkage program bank to MFI need intermediaries institution such as IKSP3. Micro business player never stop, and need MFI as their main source of fund
Threats
1. There is no assistance program and facilitation for the secondary co-op from the government, ministry of Co-op, most of the activities of more designated for primary co-op
2. At least there are 2 (two) other secondary co-op organizations whose activities are similar, there is Inkopdit and Inkopsyah which is recruit a spesific members
Des ’06Audited
Des ’07Audited
Des ’08Audited
Des ’09Audited
Des ’10Audited
Total Asset 11.730,08 20.663,91 30.945,27 38.108,60 34.761,04
Loans 10.327,75 18.080,08 22.895,57 30.013,85 28.595,05
Borrowing 4.655,83 13.821,84 21.912,95 27.915,93 23.248,53
Voluntary Saving - - 4,12 99,31 292,19
Time Deposit Saving 3.202,20 3.068,00 5.012,44 3.336,33 3.338,55
Own Capital / Equity 3.517,44 3.740,48 4.614,32 6.697,30 7.734,89
SHUsebelumpajak/EBIT 108,94 129,23 204,16 321,75 526,32
Financial Highlight (Rp. 000.000,-)
Keterangan
2008 2009 2010
JmhKompos
isi JmhKompos
isi JmhKompos
isi
% % %
Modal Sendiri/Own Capital 2.420,65
54,76 4.419,37
68,84 5.282,26
72,54
Simpanan pokok 133,50 233,50 253,50
Simpanan wajib 983,44 1.115,22 1.106,42
Cadangan resiko 163,43 163,43 163,43
Cadangan umum 353,20 376,39 418,08
Cadangan rupa-rupa 87,08 87,08 87,08
Simpanan Wajib Khusus 700,00 2.443,75 3.253,75
Modal penyertaan
PNM 2.000,00
45,24 2.000,00
31,16 2.000,00
27,46
SHU Sebelum pajak 204,16 321,75 526,32
Total 4.420,65
100,00 6.419,37
100,00 7.282,26
100,00
Growth of Own Capital, (Rp 000.000,-)
IKSP open to establish strategic cooperation with all parties who have a common vision, mission with the consideration
of mutually beneficial
The Closing
Jakarta, 6 Des 2011