COOPERATIVE FAMILY
Cooperatives are formed family originated from a large family pertumuan kajoran, Central Java, who live around Bekasi.Preceded the holding of a family gathering that is done every day once a month on the second week. In the course of social gathering are considered less able to provide benefits for its members, so that over time the members can not attend all meetings at the gathering, to increase the spirit of the presence of a member, then in December 1998 following a joint agreement formed the basis of "Cooperative Family" followed by 14 heads of families with rules that have been agreed at the time of deliberation as follows:
1. Cooperatives in the form of the savings and credit cooperatives.2. Principal savings of Rp. 50.000, and may in cicil for 2 months.3. Compulsory savings of Rp. 20,000, each time meeting or per month.4. Maximum loan amount of savings or savings in less savings.5. Each borrower must repay over 10 installments and subject to a fee of 10%.6. Time results will be distributed once each year.7. Members of the cooperative is only allowed for large families who have family ties.8. Voluntary savings are not at the limit and can pull at any time.
K-2 weeks in January 1999, the official cooperative formed by giving the name of "savings and credit cooperatives MEKAR JAYA" which consisted of 14 people. On that day also can accumulate capital as follows:
a) Deposits Principal USD 700 000
b) Voluntary Deposit USD 150 000
c) Compulsory Deposit USD 280 000
Therefore, the amount raised by Rp 1.13 million. Initial capital is setiep monthly increase until the end of 1999, but no one else the borrower, so that capital is in 1tahun amounted to 6.06 million, with details as follows:
a) Deposits Principal USD 700 000
b) Voluntary Deposits USD 2000000
c) Compulsory Deposits USD 3360000
Beginning in 2000 performed as well as evaluation of cooperative deliberations which has been running for 1 year, it was agreed that cooperation would advance if the total capital to be lent out. So the rules were changed, especially at point 4 about the size of loans granted to members of cash available dibendahara. Provided prospective borrowers to provide information at the meeting and be approved by all members. This is based for extended family members consulted beforehand, so that rules were made easier for credit unions can be realized.
Sunday k-2 in January of 2000, cash treasurer as follows:
& Nb sp; ASSETS & nb sp; & nb sp; liabilities
a) Deposits Principal USD 700 000 & nb sp; Receivable USD 6 million
b) Voluntary Deposits USD 2450000 & nb sp; Cash & nb sp; USD 1790000
c) Compulsory Deposits USD 3640000 & nb sp;
Total & nb sp; USD 7790000 & nb sp; Total & nb sp; USD 7790000
With limited members who ultimately makes the lack of capital make the rules less adhered to, even a change in order to satisfy enough members and member loan requests. Of the 6 million loan borrowed 6 people, each with 1 million members, so that the velocity of money each month as follows:
a) Voluntary Savings & nb sp; USD 150000-300000
b) Compulsory Savings & nb sp; USD 280 000
c) Installment & nb sp; USD 600 000
d) Services & nb sp; USD 60 000
Total who obtained approximately 1.09 million.
While the number of members of the 14 people who have a loan 6 people, the remaining members of 8 people alternately longer allowed to borrow $ 1 million from voluntary savings. For the time being is not allowed if withdrawn before all members have the loan.
Cooperatives are formed family originated from a large family pertumuan kajoran, Central Java, who live around Bekasi.Preceded the holding of a family gathering that is done every day once a month on the second week. In the course of social gathering are considered less able to provide benefits for its members, so that over time the members can not attend all meetings at the gathering, to increase the spirit of the presence of a member, then in December 1998 following a joint agreement formed the basis of "Cooperative Family" followed by 14 heads of families with rules that have been agreed at the time of deliberation as follows:
1. Cooperatives in the form of the savings and credit cooperatives.2. Principal savings of Rp. 50.000, and may in cicil for 2 months.3. Compulsory savings of Rp. 20,000, each time meeting or per month.4. Maximum loan amount of savings or savings in less savings.5. Each borrower must repay over 10 installments and subject to a fee of 10%.6. Time results will be distributed once each year.7. Members of the cooperative is only allowed for large families who have family ties.8. Voluntary savings are not at the limit and can pull at any time.
K-2 weeks in January 1999, the official cooperative formed by giving the name of "savings and credit cooperatives MEKAR JAYA" which consisted of 14 people. On that day also can accumulate capital as follows:
a) Deposits Principal USD 700 000
b) Voluntary Deposit USD 150 000
c) Compulsory Deposit USD 280 000
Therefore, the amount raised by Rp 1.13 million. Initial capital is setiep monthly increase until the end of 1999, but no one else the borrower, so that capital is in 1tahun amounted to 6.06 million, with details as follows:
a) Deposits Principal USD 700 000
b) Voluntary Deposits USD 2000000
c) Compulsory Deposits USD 3360000
Beginning in 2000 performed as well as evaluation of cooperative deliberations which has been running for 1 year, it was agreed that cooperation would advance if the total capital to be lent out. So the rules were changed, especially at point 4 about the size of loans granted to members of cash available dibendahara. Provided prospective borrowers to provide information at the meeting and be approved by all members. This is based for extended family members consulted beforehand, so that rules were made easier for credit unions can be realized.
Sunday k-2 in January of 2000, cash treasurer as follows:
& Nb sp; ASSETS & nb sp; & nb sp; liabilities
a) Deposits Principal USD 700 000 & nb sp; Receivable USD 6 million
b) Voluntary Deposits USD 2450000 & nb sp; Cash & nb sp; USD 1790000
c) Compulsory Deposits USD 3640000 & nb sp;
Total & nb sp; USD 7790000 & nb sp; Total & nb sp; USD 7790000
With limited members who ultimately makes the lack of capital make the rules less adhered to, even a change in order to satisfy enough members and member loan requests. Of the 6 million loan borrowed 6 people, each with 1 million members, so that the velocity of money each month as follows:
a) Voluntary Savings & nb sp; USD 150000-300000
b) Compulsory Savings & nb sp; USD 280 000
c) Installment & nb sp; USD 600 000
d) Services & nb sp; USD 60 000
Total who obtained approximately 1.09 million.
While the number of members of the 14 people who have a loan 6 people, the remaining members of 8 people alternately longer allowed to borrow $ 1 million from voluntary savings. For the time being is not allowed if withdrawn before all members have the loan.
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