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