Koperasi Simpan Pinjam Kokaryasa (Koperasi Karyawan Balai Yasa)

Kokaryasa Cooperative (Cooperative Employees Balai Yasa) is a credit union that was formed at the initiative of the railway employees who work at Balai Yasa, Manggarai, South Jakarta. Kokaryasa cooperative was founded on February 9, 1989. The origin of this cooperative because the railroad employees who often borrow from moneylenders at high interest rates. So that the employees agreed to establish a cooperative initiated and guided by a coach train Balai Yasa named Ir. Suprapto. Before it was renamed the Kokaryasa Cooperative, the cooperative is named PJKA Credit Unions. At the time of formation of cooperatives is chaired by H. Slamet Sudrajat with a view to the welfare of its members, especially the Balai Yasa employees that are no longer occupied by the loan sharks. Cooperatives that have formed since the last 22 years is sourced from fund dues from its members Rp. 50.000/bulan that at the beginning of its formation and initial fee Rp. 500/bulan. Now Kokaryasa cooperative has a membership of 460 people with assets of more than 2 Billion cooperative. The cooperative then register with the department of co-operative sphere, the city that has the deed was officially cooperatives to cooperatives. And finally enrolled Kokaryasa Cooperative Cooperative department scope mayor south Jakarta. Deed of incorporation of the cooperative is useful as a legal umbrella cooperative engaged in the business but it can expand its business. Every year Kokaryasa cooperative members hold meetings aimed to form the basis of the budget. In the early formation Kokaryasa Cooperative, the cooperative does not have statutes and holding RAT (Annual Member Meeting) for Cooperative Kokaryasa membentu statutes. Statutes themselves useful for controlling cooperative, such as Wanted engaged in what? If there are changes in the constitution this year from last year's base budget, then the budget on the basis of need outlined in the RAT because the statute refers to the dynamic and developmental. For example, in 2011 the Cooperative Kokaryasa not opened and in 2012 the Cooperative supermarket Kokaryasa want to open a supermarket then it should be poured into the RAT. Why open a supermarket? Luckily big order and SHU (Business Profits) increases. Then as a board member should not be separated from the base budget. Statutes also have the right to elect the board, the board set a task, select the supervisor, the supervisor task set, choosing the builder, the builder set the task of co-operatives in order to remain stable. After the foundation is poured into the budget, the board is obliged to run as mandated by the RAT. If the articles of association of the middle course of this year is running then there is the idea of ​​the members of the cooperative to develop the idea and immediately recorded in the minutes of the RAT held that the idea could be considered the basis for next year's budget. Cooperative Kokaryasa quarterly report of activities undertaken by the Cooperative Kokaryasa audited by the Auditor of the Audit Japanese companies in Indonesia, and then reported to the members of the Cooperative Kokaryasa. Discipline is very applied by Cooperative members Kokaryasa to its members. So every year after the RAT, what you want to change must be stated in the articles of association with the title of Amendment of Articles of Association. Amendment of the Articles of Association must be reported to the notary who is appointed by the Cooperative Kokaryasa. SHU distributed to the members by 75%, the remaining 25% for capital Kokaryasa Cooperative. If a member wants to borrow at Kokaryasa Cooperative, the Cooperative Kokaryasa able to provide a maximum loan of Rp. 15,000,000 without collateral repayable over 3 years. Kokaryasa cooperative also has expanded its business in the field of residential property that is established railway parcel with home building measures 30 and 36 in Nanggelan, Bojong Gede which aims to meet the needs of members / Balai Yasa Railway employees who have not been able to buy a house with cash prices. The plan in 2012, the Cooperative Kokaryasa kavlingnya will continue to develop this business for the welfare of its members. Kokaryasa cooperative members are lending for home or land, the purposes of opening a business, health and education costs. Why is that? In order to benefit from the loan could result in a profit to finance day-to-day needs and also to pay off the loan from the Cooperative Kokaryasa. So, Cooperative Kokaryasa not provide loans to its members for consumption only. Although Kokaryasa Cooperative members have the right but also selective in lending so that the members are not wasted on a loan he did in Cooperative Kokaryasa. Lending in Cooperative Kokaryasa really useful Bener loans rather than consumer. Kokaryasa cooperative also has teamed up with Bank Syariah Mandiri if there are members who would like to borrow more money than Rp. 15.000.000 - Rp. 50,000,000 and also do not need to use collateral for Cooperative Kokaryasa have with my Bank Syariah Mandiri. Not only in terms of borrowing, but if it gets Kokaryasa Cooperative projects with large capital, it will Kokaryasa cooperative and mutually beneficial cooperation with Bank Syariah Mandiri. Now the members of the Cooperative Kokaryasa already feel prosperous with the establishment of the Cooperative Kokaryasa.