Nama Anggota Kelompok ;
1.
Siti Rahmawati (27212083)
2.
Rizky Aulia (26212597)
3.
Cici Ivana H (27213724)
4.
Grace Elizabeth Z (27213767)
Observations on the website and some take COOPERATIVE PERSADA MANADI
Cooperative Name : COOPERATIVE SOCIETY PERSADA
Cooperative Type : SAVINGS and LOAN
Legal Entity No. : 024/BH/XIII.23/X/KUKM & PERINDAG/2008
Address : Jl . No. Shooting
Kingdom . 18 , Cibubur
Branch : Branch Cibubur ( East Jakarta )
Phone : (021) 87716353
Directorate loan is one of the business units of KPM. Directorate of loans is
an integral part of the savings and loan business unit KPM. Given the volume and
complexity of work, the unit diisahkan loans from savings and loan business units
into a loan directorate headed by a director loan.
to date the loan directorate already run its business activity quite well. Recorded approximately 15,000 customers are getting loans disbursed a total ceiling of 30 billion rupiah.
to date the loan directorate already run its business activity quite well. Recorded approximately 15,000 customers are getting loans disbursed a total ceiling of 30 billion rupiah.
The existence of these loans directorate very well received by members, prospective
members and the general public. This is related to the financing needs of businesses
and the need to increase consumption.
vision
"Making directorate loan car loan into a business unit of reliable, professional, profitable, and beneficial to members, prospective members and the general public."
"Making directorate loan car loan into a business unit of reliable, professional, profitable, and beneficial to members, prospective members and the general public."
Mission
"Making
directorate loans as a major contributor to
the KPM in profit."
Organizational Structure Directorate
Loans
In running a business loan is absolutely necessary qualified human
resources capabilities, experience
and high integrity. It is
associated with the trust on which the loan approval
decision.
Keywords business management of loan consists of
two things :
1. Management of Risk ( Risk Management )
2. Sales Management ( Business Management )
To run both the KPM has highly experienced HR support in implementing the
sundry business loans instituted microfinance banking.
The organizational structure is designed based on the needs direktirat
loans and effectiveness of work so that the achievement of performance targets
can be met .
1.
Director
of Loans
Ferry
Kurniawan , practitioners of risk management and business management micro-
banking.
2.
Department
Head
Yilva , micro-
banking risk management practitioners .
3.
Risk
Management Head
Richardo
Augustine , micro- banking risk management practitioners .
4.
Business
Head
Hanafi
Djoedjoe , practitioners of business management & risk management, micro-
banking.
5.
Credit
Review
Hendrik
Virdaus , micro- banking risk management practitioners .
6.
National
Collection Head
Defi Wahyudi ,
micro- banking risk management practitioners .
7.
Internal
Control
Eko S.Wijaya ,
internal audit practitioners micro banking .
8.
Sales
Support
Jayasampurna ,
micro banking business management practitioners .
9.
Administration
Head
M. Lutfan S.W , legal
practitioners micro banking officer .
Key Performance Indicators
In business loan then there are indicators to measure success , indicators
are as follows :
1. Achievement
of sales targets
2. Achievement
of quality targets loan
3. Achievement
of profit targets
4. Achievement
of Audit Rating
In carrying out its business activities directorate KPM loan holding on to
that provision.
Monitoring
The success of running a business loan can’t be separated with the monitoring or supervision to all employees of the loan . Monitoring or supervision of all activities conducted on employees in terms of sales , maintain loan quality , the achievement of profit targets and discipline employees .
Business loans are vulnerable to potential financial mistakes made by
managers. It
is therefore absolutely necessary supervision and must be carried out strictly
and discipline .
Integrity
Integrity or intefritas is consistent attitude between the values and principles of action. In ethics , integrity is defined as honesty and truthfulness of one's actions . The opposite of integrity is hipocrisy ( hypocrisy or hypocritical ) . A is said to " have integrity " when its conduct in accordance with the values , beliefs , and principles which he held ( from various sources ) . Because the management of the loan is based on confidence (trust ) then becomes absolute consistency uphold the integrity of the managers. Ethical values that must be held in the management of the loan is honesty .
Unit Savings and Loans Cooperative Persada Madani provide working capital
financing , partnership relationships with borrowers , with the goal of small
traders who require additional capital . Civil
Microfinance is one loan product with ceiling system , to facilitate the
traders meet venture capital ,loan services is calculated daily .
a Ceiling on loans up to Rp . 5,000,000 , -
b Without Collateral
c Term loan 5 months .
d Terms of loan application :
- Have an effort to settle with daily earnings ( cafes ,
shops , etc. )
- Copy of ID card borrowers ( husband / wife )
- Pas 2 pieces 3x4 sized photo ( husband / wife )
- Copy of KK (family card ) and marriage certificate
Members financing Deposits
Credit and savings
products provided to participants who already has a value of deposits formed
with the following provisions:
o
Loans
amounting to 70 % of the value created .
Members Funding Pledge
Mortgage loans are
loans with collateral valuables , such as gold , etc.
Member Savings
Participation or Prospective Members
USP Cooperative Investments conducts Persada Civil Deposits Deposits funds in the form of futures , Investama , and Multipurpose and providing financing to the merchants who had become a member / prospective member as defined in the Law of the Republic of Indonesia regarding cooperatives and government regulations on the implementation of activities Savings and Loans Cooperative effort by. USP Cooperative Persada Madani intermediation role as an institution between a potential Indonesian society with the aim to be achieved into civil society .
Mitra Madani term deposits
Partner Savings Program Saves Time Madani is in remission Cooperative Persada Madani is a one-time savings for the period of 1 ( one ) year or six (6 ) months .
Benefits :
o For the
concomitant savings results can be taken or given to concomitant savings each
month or on maturity of deposits .
o Train Members /
Prospective Members for investment with Competitive advantage .
Facilities :
o USP Cooperative
Officer Civil Persada will serve the inclusion of transactions deposits liking
broadcaster candidate deposits , either at home or office nearest branch USP
Cooperative Persada Madani , started filling up the application with an
accompanying certificate of deposit issuance of securities .
o Payment for the
results or payment expires concomitant savings account can be transferred to
the broadcaster .
o Host deposits
may request a bank draft for the Civil Persada Cooperative profit sharing and
savings deposits expired .
requirements :
o Copy of ID card
/ SIM
o Fill out
application and pay the cost of the stamp and certificate of 25.000 , - (
Twenty Five Thousand)
o Large Deposits
Minimum Rp . 5.000.000 , - ( Five Million )
Deposits
Futures Investama
Product is Persada Cooperative Savings deposits Madani period of 5 years ,
and the end of the period of the deposit will be paid 200 % of the initial
deposit , in addition to the savings during concomitant savings life insurance
protection .
Benefits :
o Assist
financial planning for members or prospective members in order to set up a fund
for the future benefit and optimum benefits .
o At the end of
the concomitant savings deposits to be paid at 200 % of the initial deposit .
o If concomitant
savings in time deposits dies , the beneficiary will get insurance compensation
amounting to 5 times of the initial deposit .
Illustration
Futures Investama :
Initial Deposit Amount : 100,000,000 –
Period of Deposit : 5 Years
| Year-end to |
Total Deposits
form |
Assurance
Insurance |
Death Benefits
|
| 1 | 83.000.000 | 500.000.000 | 583.000.000 |
| 2 | 118.000.000 | 500.000.000 | 618.000.000 |
| 3 | 140.000.000 | 500.000.000 | 640.000.000 |
| 4 | 172.000.000 | 500.000.000 | 672.000.000 |
| 5 | 200.000.000 | 500.000.000 | 708.000.000 |
Requirements to Become Host
Deposits:
1.
Photo ID Card Copy
2. Filling Persada Civil Applications
3.
Deposit a minimum of Rp. 5.000.000,
-
4.
The administration fee of Rp certificate.
25.000, -
Facilities:
Persada officer Madani deposit transaction process will serve as desired candidate / member concomitant savings, transactions can be conducted at a residence candidate / member or the branch office nearest Cooperative Persada Madani, ranging from charging application until the issuance of Certificates of Deposits Host.
Persada officer Madani deposit transaction process will serve as desired candidate / member concomitant savings, transactions can be conducted at a residence candidate / member or the branch office nearest Cooperative Persada Madani, ranging from charging application until the issuance of Certificates of Deposits Host.
Multipurpose Savings Plus
Multipurpose Plus program at Persada Madani
is the best solution
for financial planning in the future as well as providing protection to the participants of unexpected events
A few Multipurpose Plus Program
benefits are:
o
If concomitant
savings deposits completed
until expiration, to him shall be given appropriate
funding of the table below:
| Period Deposit |
Deposit
Each Year |
Deposit
Each Month
|
Out of funds
Contract |
Compensation
Insurance |
Hospitalization
District. |
| 5 Th | 2.400.000 | 216.000 | 14.510.000 | 10.000.000 | 300.000/ hr |
| 6 Th | 2.000.000 | 180.000 | 16.096.000 | 10.000.000 | 300.000/ hr |
| 7 Th | 1.714.286 | 154.286 | 17.473.429 | 10.000.000 | 300.000/ hr |
| 8 Th | 1.500.000 | 135.000 | 18.769.250 | 10.000.000 | 300.000/ hr |
| 9 Th | 1.333.333 | 120.000 | 20.334.000 | 10.000.000 | 300.000/ hr |
| 10 Th | 1.200.000 | 108.000 | 22.408.000 | 10.000.000 | 300.000/ hr |
o
If
concomitant savings in time deposits dies , the heirs are given compensation :
1. 100 % Compensation insurance if regular dies
2. 200 % Compensation insurance if accidental death
3. Savings returned
o And if the concomitant savings unfortunate accident and result in :
1 . Awarded
100 % permanent disability insurance benefits and partial disability when
compensation is paid in accordance with the severity of the disability .
2 . Deposits
broadcaster hospitalized , given the cost of hospitalization of Rp . 300.000 , - per day for
10 days per occurrence .
Requirements to Become Host
Deposits :
1.
Photo
ID Card Copy
2.
Filling
Persada Civil Applications
3.
Deposit
a minimum of Rp . 5.000.000 , - per
month
4.
The
administration fee of Rp certificate . 25.000 , -
Facilities :
o
Officer
Civil Persada deposit transaction process will serve as desired candidate /
member concomitant savings , transactions can be conducted at a residence or
office the candidate nearest
Cooperative Persada Madani , ranging from charging application until the
issuance of Certificates of Deposits Host .
