Observation KOSSUMA DEPOK Cooperative

Ardian Fareza 1206291626

Contents
Introduction.... 3
Profile................ 4
History.............. 6
Structure.......... 8
Programs......... 9
Terms.............. 10
Obstacles........ 11
Conclusion..... 12
Resources...... 13

Introduction

Cooperative by definition is an autonomous association of persons

who voluntarily work together for the benefit of the social, economic,
and culture together. Cooperative society including non-profit
organizations and businesses that are owned and managed by the
people who use its services or by the people who work there or by
the people who live there, individuals such as worker cooperatives
are also consumer cooperatives or credit unions, such as the multistakeholder cooperative that brings civil society and local actors to
provide the needs of the community, and the second and third tier
cooperative consisting of other cooperatives.
The International Co-operative Alliance is the first international
association formed by movement. These include the World Council of
Credit Unions. A second organization was formed later in Germany,
Raiffeisen International Union. In the United States, the National
Cooperative Business Association (NCBA) serves as the oldest
national membership association sector. It is dedicated to ensure that
the cooperative business has the same opportunities as other
businesses operating in the country, and that consumers have access
to cooperatives in the market. A U.S. National Cooperative Bank was
formed in the 1970s.
In Indonesia, Cooperative is an institution that grow on the basis of
traditional solidarity and cooperation among individuals, ever
evolving since the beginning of human history until the beginning of
the Industrial Revolution in Europe in the late 18th century and
during the 19th century, often referred to as the Historical
Cooperative or Cooperative Pre-Industrial.
Nowadays, cooperatives in Indonesia start to grow into big range of
people that needs it. KOSSUMA is one of the cooperative with vision
to help muslim woman to grow their economic crisis and learn to run
a business with certain kinds of principles.

Profile

Cooperative Name: KOSSUMA Depok (Koperasi Syariah Serba Usaha

Salimah)
Legal Entity: 518/20/BH/KPPS/KANKOP/12/KOSSUMA/VI/2006
Types of cooperatives: savings and loans for women
Address: Jl. Haji Rijin RT 05 RW 11, No. 128 Kelurahan Tugu,
Cimanggis, Depok 16951
Tel. : 021-870 1987, 021-986961
Hp: 08811810219
Email: kossumasyariah@yahoo.co.id
Website: kossumadepok.blogspot.com
KOSSUMA Depok established on January 16, 2006 as a " Pilot Project
" Economic Team PP Salimah . By the Notary Herdianti Witjaksana ,
SH and issued on June 28, 2006 No. . 03.
518/20/BH/KPPS/KANKOP/1.2/VI Legal Entity No. 2006. Then
passed by the Sub-Department of Cooperatives and SMEs in Depok
on June 30, 2006. Launching KOSSUMA Depok was executed on July
23, 2006 and was inaugurated by Mr. Drs. Eddy Setiawan MM
(Assistant Department of the Ministry of Finance and Loan Credit
Cooperatives and SMEs RI).
Purpose Cooperative was formed to help small and medium
enterprises as well as the public, especially women to be able to go
forward and prosper.
Vision Cooperative is a cooperative productive in optimizing the
potential of women in Depok. The mission is a cooperative venture
partners in developing economies woman family
The system used was joint responsibility. Commonly means
obligations, the obligation to pay the debt between two or more
parties. A joint liability allows parties to share the risks associated
with taking on additional debt, and to protect themselves in case law
presentation and lawsuits. However, the responsibility is shared in
this cooperative system that includes the responsibility and
cooperation among members of the group to fulfill all obligations of

the cooperative members with a basic openness, trustworthy and

trusting, cooperative goal is to achieve the advancement and welfare
of all members. Benefits for members in a joint responsibility,
namely:
Avoid the problem of usury which is clearly haram.
Business development for those who already have a business.
Benefiting Duniawi (material) and ukhrowi. Getting to the
result of the savings and loan and SHU (Business Profits) for
active spending in KOSSUMA. Ukhrowi: Increased rukhiyah
through group recitation.

History

KOSSUMA Depok is only a branch of many KOSSUMA cooperative in

Indonesia. KOSSUMA itself is a plot project of an organization called
Organisasi Massa Persaudaraan Muslimah of commonly called as
salimah.
Salimah formed at Jakarta, March 8th 2000 by muslimah organization
Indonesia. Formed by Dra Yoyoh Yusroh, Dr Aan Rohanan, Dr
Nursanita Nasution, Dra Zainab MSi. Start from deep concern over
the problems that occur in this nation in various sectors of life.
Focusing also from gloomy portraits of women, rampant cases that
affect the institution of the family as well as the lack of protection for
children in Indonesia Poverty and ignorance into the estuary for the
problems of derivatives that trap people like a case of most in women
and children, domestic violence, high rates of maternal and under
baby mortality, high rates of drug abuse as well as the increasing
number of HIV/AIDS, rampant pornography and abuse cases rising
as well as the number of children who are victims of sexual violence.
Salimah present seeks to bring hope to be one of the components that
contribute to the nation in finding a solution to the various problems
with programs that encourage the empowerment of women, families
and institutions giving protection for children. It have mission that
are:
Establishing regional level structure, strengthen and expand
the regional management structure to branches throughout
Indonesia.
Hone the skills to manage them, manage the organization and
manage the household.
Plan and implement a variety of programs needed by society.
Networking with various elements and people institutions
Documenting and publicizing various activities
Keeping the spirit of the struggle that continues throughout
the management ranks Salimah istiqomah (carries a shared
vision that makes Salimah as musllimah organizations in
improving the quality of life for women, families, and children
in Indonesia.
Other than KOSSUMA, salimah have many projects that running in
2010-2015 period. The top projects are:

Komunitas Perempuan Sehat Peduli Lingkungan,

Komunitas Entrepeneur Perempuan,
Komunitas Orangtua Bijaksana
SISTER : Sekolah Ibu Salimah Terpadu
P2AY : Pembinaan Anak Yatim
Salimah Peduli Bencana dan Dunia Islam
GEMA Salimah (Gerakan Membaca Al Qur'an Bersama
Salimah)
Tebar Wakaf Qur'an
Kawasan Rumah Pangan Lestari
Kampanye Gemar Makan Ikan
TFT (Training For Trainer) Motivator Salimah
Forum Silaturahim Majelis Taklim (FORSIL)

Structure

Ketua:
Ratna Munaya

Sekertaris:
Bendahara:

Desi Tri Sundari

Laksmita Susidharti, SE

Divisi Usaha:

Divisi Simpan
Pinjam: Ir.
Uswindraningsih

Hj. Anni Rosyidah

This cooperative has active and passive members. In active members,

there are individuals and groups. One group typically consists of 5-17
people. And until now, there are 17 groups.

KOSSUMA Programs
As a cooperative this KOSSUMA have programs support the activities.
Cooperative KOSSUMA have a program as follows:
Savings and loan service. Credit Union regarding syariah.
Basically syariah Credit Union in Indonesia is often called as
BMT or Baitul Maal Wa At-Tamwil. In addition, Credit Union in
terms of syariah laws also called cooperatives or cooperative
KJKS Islamic Financial Services. When compared to the type of
product between the cooperative and the cooperative
conventional syariah actually almost the same, which generally
includes deposit products and loan products. But when
compared to the system, syariah Credit Union is very much
different from conventional cooperative. Because on the one
hand, using the conventional cooperative system of interest
while using syariah Credit Union sharing system. Islamic
financial services in the form of cooperative syariah are
actually more or less the same as Islamic banks are also using
the system Murabaha, Mudaraba and Ijara. Although Sharia
Credit Unions almost the same product with Islamic banks, but
the product of his funding there is a difference. Product funding
or funding on Credit Unions called Sharia Islamic Bank
Deposits whereas the so-called savings. The difference is based
on the parent term that houses Credit Union Sharia and Islamic
Bank itself. At Credit Unions Sharia under the auspices of the
Department of Cooperatives, while the Islamic Bank under the
auspices of Bank Indonesia that permits the establishment of
the two types of institutions are removed from each parent.
Financing for business development (business goods). The
items sold in this cooperative are as follows: frozen food,
snacks, staple food, snack, accessories, prayer materials, etc.
Investments in joint ventures
Financing for productive and consumptive goods
Receipts and disbursements of social

Terms in KOSSUMA

Distribution of Business (SHU). The calculation is as follows:

15% for reserve fund
23% of members according to comparison services in the
business and revenue depend also from the members
themselves. So the greater the number of members of income,
the greater the SHU.
25% of members in comparison simpanan15% for fund
administrators
10% for employee welfare fund
6% for the cooperative welfare funds
1% for regional development work
5% for social fund
To become a member of the group is no requirement that Muslim
women should be prioritized in Depok and surrounding areas and
small and medium entrepreneurs, especially women around Depok.
For whom want to join KOSSUMA:

Pay the registration Rp. 10,000

Principal pay Rp. 100,000
Paying voluntary savings
Mandatory daily and monthly shopping needs in Cooperative
KOSSUMA
Participate actively in the activities that have been agreed upon
by the group
Behave honestly, kind and trustworthy
Willing to sacrifice and collaboration between groups in the
framework of joint responsibility

Obstacles

Weaknesses in the implementation of policies and programs that

sponsored the development of cooperatives are:
To raise the motivation to become members of the cooperative
fostered expectations that are not realistic on cooperation in the
cooperative for its members and the promises given preferential
treatment through the provision of government assistance.
During the process of the formation of the cooperative requirements
and criteria that underlie the formation of cooperative groups that
are strong and efficient, and cooperative enterprises are able to
survive autonomously, not enough consideration.
Due to administrative reasons, government activities are often
centered on the formation of cooperative enterprise, and neglect
counseling, education and training of the board of members and
managers are dynamic, and especially ignore anyway strategies that
support the development of its own on the basis of the participation
of members of the cooperative.
Cooperatives have been burdened with the task to provide various
kinds of services to its members, even if the necessary measures are
complementary and not done by the relevant government agency
(such as counseling).
Cooperatives have been given the task, or assigned to government
programs, although the cooperative corporation that does not yet
have the capabilities necessary for the successful implementation of
the tasks and programs.
The purpose and activities of the cooperative business (which is
influenced by administrative agencies and government officials) do
not adequately consider or even contrary to the interests and needs
urgent subjectively and the goals of development-oriented
individuals and group members.

Conclusion

KOSSUMA Depok cooperative is a business entity that works for the

welfare of members in particular and society in general but more
specific in muslim woman. They have give more control on their
members so they can fulfill their target to be a better cooperative.

Resources

Retno Mumpuni (member administration of KOSSUMA Depok)

http://www.pakeis.org/2012/09/koperasi-simpan-pinjamsyariah.html
www.salimah.or.id/