Unit Simpan Pinjam

Unit simpan pinjam merupakan salah satu unsur koperasi yang penting dan mendasar. Unit ini bekerja untuk melayani anggota dalam mencatat transaksi pinjaman, angsuran, accounting dan simpanan anggota. Jenis kerja dan pelayanan Unit Simpan Pinjam meliiputi :

  1. Mencatat master data tentang pos wilayah, nama petugas dan identitas anggota, jenis pinjaman dan jenis simpanan
  2. Mencatat secara lengkap dan kronologis transaksi pinjaman dan simpanan anggota
  3. Mencatat transaksi angsuran pinjaman
  4. Mencatat transaksi jurnal
  5. Mencatat saldo pinjaman dan saldo simpanan per anggota dan seluruh anggota
  6. Mencetak bukti transakasi keuangan, pinjaman, angsuran dan simpanan anggota
  7. Pengaturan sistem, prosedur, dan tata-tertib pinjaman dan hak akses
  8. Laporan accounting, neraca berjalan, neraca rugi laba, buku besar dan pembagian SHU.
  9. dan lain-lain, tugas-tugas pelayanan yang ditentukan pengurus, sesuai dengan tata perkoperasian.

Simpanan Anggota meliputi simpanan Pokok, Simpanan Wajib dan Simpanan Sukarela. Simpanan pokok dibayarkan pada saat mendaftar sebagai anggota sebesar Rp. 100.000, sedangkan simpanan wajib sebesar Rp. 5.000,- setiap bulan dan dibayarkan sekaligus dalam tahun buku berjalan. Simpanan Sukarela merupakan tabungan anggota yang besarannya tidak ditentukan, untuk simpanan sukarela ini anggota akan mendapatkan bunga tabungan dan diperhitungkan sebagai keaktifan anggota dalamperhitungan SHU.



  1. Pinjaman uang hanya diperuntukkan bagi anggota aktif KOPPA Duta Wacana
  2. Maksimal Pinjaman sebesar Rp 5.000.000,- untuk setiap anggota.
  3. Realisasi pinjaman dalam setiap bulan maksimal 10 (sepuluh) orang anggota, ketentuan realisasi pinjaman berdasarkan nomor urut pendaftaran / tanggal pengajuan
  4. Jangka waktu angsuran/pengembalian pinjaman maksimal 3 tahun (36 bulan)
  5. Bunga pinjaman /jasa sebesar 9% per tahun, dan dapat disesuaikan dengan tingkat suku bunga bank yang berlaku umum
  6. Peminjam dibebankan biaya cadangan resiko sebesar 1% yang dipotongkan dari jumlah pinjaman yang disetujui.
  7. Pengurus berhak untuk menolak, mengurangi, atau menunda permohonan pengajuan pinjaman anggota, tanpa harus menyebutkan alasan-alasannya
  8. Prosedur pengajuan pinjaman : 
    • mengisi formulir : Surat permohonan pinjaman dan surat perjanjian pinjaman
    • kondite angsuran pinjaman sebelumnya lancar dan pinjman baru bisa diajukan setelah pinjaman lama berjalan 50% serta sisa pinjaman dilunasi terlebih dahulu.
    • Menyerahkan agunan/ jaminan di wilayah D.I Yogyakarta, bilamana diperlukan.
  9. Hal-hal lain yang belum diatur akan ditentukan kemudian berdasar kebijakan pengurus.

(diperbaharui oleh : Istana, 13 Juni 2009)

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