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INTRODUCTION
In 2011 years was a year filled by challenges that getting harder because of the strict competitions.
Competitions occurred from other financial institutions both banking institutions and financial non bank institutions.
Several of marketing way are influenced the community to join by them in using the service products
which covered by a variety of amenities are in promised.
The lower middle market segment that typically became operational land for non-bank financial
institutions now became target operational financial banking institution that causing aggressive
market competition.
KOSPIN JASA has been 38 years old facing the circumstance which remain vigilant coupled that
enhanced the guidance to the members and prospective members include the associate members
that have been the faithful basis of supporter and service.
Our gratitude to Allah Because of the mercies of ALLAH and the support from the members and
community and also the team work of the board, supervisor, advisor and the entire employees we
can pass-through the year of 2011 with a number of achievement and development.
The achievement that implied in the work plan in the form of income and cost budget in the year of
2011 has not been completely achieved but it is the booster to better in the future.
We were conveying the data of development and achievement in the year of 2011 briefly, as the
following table:
IMPLEMENTA
BUDGET
ACHIEVEMENT
IMPLEMENTA
DEVELOP
TION (2011)
(2011)
(2011)
TION (2010)
MENT
ASSET
2,408
2,481
97,5 %
1,778
35,43 %
1, 802
2,274
79,23 %
1,606
12,20 %
LOAN
1,769
1,955
90,49 %
1,439
20,04 %
OWN CAPITAL
364,679
185,533
196,56 %
117,573
201,17 %
*) in Millions IDR
KOSPIN JASA SYARIAH UNIT
IMPLEMENTA
BUDGET
ACHIEVEMENT
IMPLEMENTA
DEVELOPMENT
TION (2011)
(2011)
(2011)
TION (2010)
ASSET
271,341
314,463
86,28 %
155,110
74,93 %
258,306
298,033
86,67 %
144,977
78,17 %
FUNDING
300,589
306,000
98,23 %
166, 141
80,92 %
*) in Millions IDR
While the opening of new offices then the amount of KOSPIN JASA are 92 units that consist of 75
conventional units and 17 sharia unit. The opening of new office include in work plan of the year
2011 and can be realized yet because of some constrained, those are finding the strategic location
and the licenses are in progress.
The Shari a mortgage unit had opened by Kospin JASA since on February in 2011 years as the real
manifestation of KOSPIN JASA to the SMEs of financial needed in a short time. The quite bright
future prospect is had by this services unit, so it will be needed in all KOSPIN JASA office.
As a result of work that can be presented to the members in the form of save and loan service which
obtained from the division of leftover (SHU) in 2011 accordance to the divison of statue. The 11,43
saving service would be gotten by each member from primary saving, compulsory saving and 12,92
% from the rate that had been paid during 2011.
There were 61 members during in 2011 years who passed away among the members . He was Mr.
Marsidi, SH from Surakarta as the IV chairman in the board of KOSPIN JASA that passed away on
November 8th 2011 years.
The description about the development of KOSPIN JASA are more completed during in 2011 years .
The organizational aspect report; business aspect; financial aspect and capital would be presented
by us as the following description:
KOSPIN JASA
Together Building the Business
CONTENTS
Business Aspect
Closing
Suggestions
ARTICLE 1
NAME, PLACE AND PLACE OF EXCECUTION
a)
b)
This meeting is called the annual meeting of KOSPIN JASA 38th 2011 and abbreviated became
38th RAT JASA.
38th ANNUAL MEMBER MEETING OF KOSPIN JASA held on Saturday, March 31st 2012 in
Pekalongan.
ARTICLE 2
CHARACTERISTIC, BASIC AND GOAL
a)
b)
c)
The characteristic of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is closed for public and
the third party who have not concerned.
The basic of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is UU No. 25/ the year of 1992,
constitution and household budget of KOSPIN JASA.
The purpose of 38th RAT JASA:
1. Discuss, decide, and authorize board accountability report 2011, supervisor report 2011,
loss/profit balance sheet 2011, income budget plan and expenditure 2012 work program.
2. The other things that obtain the authorization from 38th ANNUAL MEMBER MEETING OF
KOSPIN JASA and to the improvement of KOSPIN JASA.
ARTICLE 3
EXECUTIVE COMITEE OF 38TH RAT JASA
a.
b.
c.
For the smooth execution of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is formed a
committee by the name of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA executive
committee.
The executive committees of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA who have
duty to prepare everything, execute the technical aspect of administrative and assist the
chairman of assembly until finish.
The boards of KOSPIN JASA are responsible in executive committee of 38th ANNUAL MEMBER
MEETING OF KOSPIN JASA .
ARTICLE 4
PARTICIPANT, COMPANION, OBSERVER AND VISITOR MEETING
a.
b.
c.
The participant of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of:
The members of KOSPIN JASA include boards, supervisors and advisors.
The companion of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of:
Government/coach cq. SMEs and cooperative minister; cooperative department & SMEs
province; cooperative department & SMEs city.
The observer of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of:
-
The candidate members who obtain approval from the organizer to follow 38th RAT
JASA;
The person who came to ANNUAL MEMBER MEETING OF KOSPIN JASA on behalf of the
members;
The visitor of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of: The Invitation
d.
ARTICLE 5
RIGHT AND OBLIGATION OF PARTICIPANT, OBSERVER,
COMPANION AND VISITOR
a)
The participants had to have the right to speak, choose and be elected.
b)
The companions had to have the right to speak and follow the progress of all the assembly
actively, direct and guide the assembly orderly and smoothly and overall assembly.
c)
The observers had to the right to follow the progress of assembly and overall RAT execution
but do not have the right to speak, produce a sound, choose and be elected.
d)
The visitor had to have the limited right to follow and attend the opening assembly
e)
All of the parties who attended 38th ANNUAL MEMBER MEETING OF KOSPIN JASA assemblies
without exception, have the duty:
1.
Maintain the discipline the 38th ANNUAL MEMBER MEETING OF KOSPIN JASA
assemblies run smoothly and achieve the purpose;
2.
3.
4.
Obey the applicable regulation and maintain the discipline in order to make the 38th
ANNUAL MEMBER MEETING OF KOSPIN JASA assembly run smoothly, orderly and
achieve the purpose.
ARTICLE 6
ASSEMBLY
the 38th ANNUAL MEMBER MEETING OF KOSPIN JASA Assembly consist of:
a. OPENING ASSEMBLY
Guided by cq. Committee protocol
b. RAT ASSEMBLY
Lead by the chairman as the chairman of assembly
Assist by the general secretary as the assembly secretary
Both of them can be replaced by the other organizers who are elected.
ARTICLE 7
AGENDA
RAT OPENING
1. The opening by master of ceremony
2. Report/Speech from The Chairman of KOSPIN JASA
3. Give Award Certification for the Exemplary Member of KOSPIN JASA
4. The greetings from authorizes:
a. The mayor of Pekalongan
b. The Governor of Central Java
c. Minister of SMEs and Cooperative
Continues with Official Opening Ceremony of Annual Member Meeting
5. Supplication
6. Closing session ( sub agenda finished )
THE 38th ANNUAL MEMBERS MEETING
1.
Opening by the chairman of the assembly;
2.
Confirmation of minute decision in the annual members meeting 2010;
3.
Confirmation of code of conduct in the 38th annual members meeting assembly of KOSPIN
JASA;
4.
5.
6.
7.
8.
Closing
10
ARTICLE 8
THE VALIDATION OF ASSEMBLY AND THE SPEAK RIGHT UTILIZATION
MANAGEMENT
a.
The 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is valid when the requirements that
managing is completed by KOSPIN JASA chapter XII subsection 25th verse 1st at least 10 % of
registered membership or equal with the minimum 273 members.
b.
In any assemblies consist of the member right to speak, the agenda in limited time and the
strict schedule, it will be limited the spent time and many providing terms.
ARTICLE 9
RIGHT AND OBLIGATION OF ASSEMBLY CHAIRMAN
a)
b)
The chairman of assembly to manage and lead the assembly and also be responsible of
smoothly assembly.
The chairman of assembly authorize to take the needed measures/actions for the smoothness
of assembly include the right to limit, notice the deviate speaker and passed the given
deadline, etc.
ARTICLE 10
THE OTHERS
a)
The problems that arise in the assembly be solved by the basic of deliberation and consensus
according of Pancasila, the 1945 constitution and Indonesian cooperative family principle.
b)
The things are not regulated in the code of conduct and be needed will be further managed
based on the approval of the 38th RAT assembly.
11
H. SACHRONI
2012
International
Year of
Cooperatives
Kospin Jasa Goes to
12
Time
: 10.30-13.45
Place
Agenda :
A. OPENING OF RAT
1.
Opening
2.
3.
4.
5.
Minister of SMEs and Cooperative Continues with Official Opening Ceremony of Annual
Member Meeting
6.
Supplication
7.
Closing
2.
3.
JASA 37 th
4.
5.
6.
7.
8.
Closing
13
Attendance :
A. Official Guest
1.
2.
3.
4.
5.
6.
Mayor of Pekalongan;
7.
Regent of Pekalongan;
8.
9.
10.
1.
2.
3.
4.
5.
DECIDED
1.
2.
3.
Approve and legal the 36th decision news agenda 2009 on march 21st 2010;
Accept and validate:
a.
b.
c.
Profit/loss balance 2011 that has been audited by official public accountant Mr. Tahrir
Hidayat with financial report that being presented on December 31st 2010 and 2009,
countable of leftover business.
d.
14
4.
Profit/lost and balance authorization 2010 by the meeting member meeting on march 26th
2011, give the entirely liberation responsibility to the board, supervisor and the execution of
KOSPIN JASA from their board management responsibility, management and supervision
that have been authorized in the as long as the actions reflected on profit/lost and balance;
5.
The hospital and Convention Hall H. A. Djunaid mansion management is implemented by the
boarding school of Al-Quran Buaran foundation and the outcome does not include to the
income of KOSPIN JASA but for subsidizing the cost of lodge / Students Dormitory;
6.
Approved the opening of KOSPIN JASA office in Makassar and Nangroe Aceh Darussalam;
7.
8.
Strive the KOSPIN JASA to be 300 of the world creative by the support from the members,
government and Dekopin;
9.
10.
The opening of KOSPIN JASA outlet office outside the large cities among other levels, at the
district in accordance to the direction from the Minister of SMEs and cooperative;
11.
The decision that sharia unit KOSPIN JASA be independent conventionally needs to be
further;
12.
The minister of SMEs and cooperative reference that KOSPIN JASA can open overseas service
office through the Embassy can be accepted and needs to be further.
15
H. SACHRONI
Vice members,
(Danang Kusrin B)/ member No.3872 (Wonosobo branch)
(Mahdi Hidayatullah) member No.5249 (Warung buncit branch)
(Moh. Fariz Firdaus) / member No. 5127 (Warung Buncit branch)
Approved/known,
SMEs and cooperative boards
Of Central Java Province
16
BOARD ACCOUNTABILITY
REPORT
2011
17
INTRODUCTION
In 2011 was a year filled by challenges that getting harder because of the strict competitions.
Competitions that arise from other financial institutions both banking institutions and non-bank
institutions.
Several of marketing way are influenced the community to join by them in using the service products
which covered by a variety of amenities are in promised.
The lower middle market segment that typically became operational land for non-bank financial
institutions now became target operational financial banking institution that causing aggressive
market competition.
KOSPIN JASA has been 38 years old facing the circumstance remain vigilant coupled with enhanced
the guidance to the members and prospective members include the associate members that have
been the faithful basis of supporter and service.
Our gratitude to Allah Because of the mercies of ALLAH and the support from the members and
community and also the team work of the board, supervisor, advisor and the entire employee we
can through 2011 with a number of achievement and development.
The achievement that implied in the work plan in the form of income and cost budget in 2011 has
not been completely achieved but it is a booster for a better achievement in the future.
We conveyed the data of development and achievement in 2011 briefly, as the following table:
ASSET
DEPOSIT AND
SAVING
LOAN
OWN CAPITAL
*) in Millions IDR
18
1,955
185,533
90,49 %
196,56 %
1,439
117,573
20,04 %
201,17 %
BUDGET
ACHIEVEMENT
REALIZATION
(2011)
(2011)
(2011)
(2010)
271,341
258,306
300,589
314,463
298,033
306,000
86,28 %
86,67 %
98,23 %
155,110
144,977
166, 141
ASSET
SAVE AND LOAN
FUNDING
DEVELOPMENT
74,93 %
78,17 %
80,92 %
*) in Millions IDR
Bright future prospect, so it will be needed in all KOSPIN JASA office. Kedungwuni branch
office
While the opening of new offices then the amount of KOSPIN JASA are 92 units that consist of 75
conventional units and 17 sharia unit. The opening of new office include in work plan 2011 and can
be realized yet because of some constrained, those are finding the strategic location and the licenses
are in progress.
Sharia mortgage unit had opened by KOSPIN JASA as the real manifestation of KOSPIN JASA since on
February in 2011 to the SMEs of financial needed in a short time. This service unit has quite .
As a result of work in 2011 that can be presented to the members in the form of save and loan
service which obtained from the division of SHU in 2011 accordance to the division of statue.The 11,
43 saving service would be gotten by each member from primary saving, compulsory saving and 12,
92 % from the rate that has been paid during 2011.
19
We need to covey that during 2011 there were 61 members who passed away among the members
who have passed away was Mr. Marsidi, SH from Surakarta as the IV chairman in the board of
KOSPIN JASA that passed away on November 8th 2011.
The description about the development of KOSPIN JASA is more completed during 2011. The
organizational aspect report; business aspect; financial aspect and capital would be presented by us
as the following description:
2. a. Boards
Board members cooperation and solidarity is maintained and work well. Young board
empowerment has been started in order to regeneration. Formerly the amount of boards is
14 people, because Mr. H. Marsidi, SH, now became 13 people. All of his duty as the
chairman IV now transferred to the other board so that we dont need the new board.
20
1. Chairman
2. Vice chairman
: H. M Andi Arslan, SE
3. Chairman I
4. Chairman II
: H. Teguh Suhardi , BA
5. Chairman III
: H. Marsidi, SH (alm)
6. Secretary
: H. Sachroni
7. Vice secretary
: H. A Alf Arslan, SE
8. Secretary I
9. Secretary II
: Kadafi Yahya
10.Treasure
: H. Taufik Karim
11.Vice treasure
12.Treasure I
: H. Nadhirin Maskha
13.Treasure II
: H. Bidhowi
14.Treasure III
c. Supervisor
The cooperation among board and supervisor work well during 2011. Beside that in annual
plenum forum the supervisor also give suggestions that are considered important for KOSPIN
JASA improvement.
Supervisor structure period 2010-2014:
1. Supervisor coordinator
: H. Lutfi Tochfa
: Husen Sahab
3. Supervisor member
: Agung Wijaya
d. Advisor
For accomplished the policies that done by the supervisor during 2011 the existence of
advisor give the beneficial suggestion for KOSPIN JASA improvement.
Personnel advisor of KOSPIN JASA:
1.
2.
3.
4.
5.
6.
3. Human resource
Along with the rapidly developmental business and improvement of technology that KOSPIN
JASA human resource circumstance is strived to keep it. In 2011, the employee recruitments
done to fill the gaps of full duty staff and resign employee, beside complete the formation
for the new office opening. Improving competence and knowledge of employee through the
training that held by KOSPIN JASA itself outside and inside of KOSPIN JASA.
22
ATM product which has been running is upgraded to be ATM visa so that it can be used for member
transaction not only in this country but also in the other countries. ATM machine has been mounted
in some KOSPIN JASA branch offices to make the member and community easie r to do transaction
anytime.
Business unit which established by KOSPIN JASA in the form of incorporated company which KOSPIN
JASA have included in stocks of majority capital 2010 has been work well and produce profits.
PT. Jasa Investindo, PT. Media Jasa Grafika and PT. Jasa Sejahtera have given dividend contribution
from the profit which contribute to SHU KOSPIN JASA itself.
Similarly the prosperous expectation retirement are really beneficial for the employee in his old age
insurance.
Shari a mortgage unit cannot the result effectively because of the leftover ( SHU ) have not one year
yet so it still be detained to supply the operational capital.
1. ASSET DEVELOPMENT
A. CONVENTIONAL
YEAR
2009
2010
2011
*) in Millions IDR
23
REALIZATION
1.464.699
1.778.659
2.408.534
BUDGET
1.560.854
1.761.401
2.481.818
ACHIEVEMENT
94 %
101 %
97 %
REALIZATION
66.053
155.110
271.341
BUDGET
62.922
135.819
314.463
ACHIEVEMENT
104,97 %
114,20 %
86,28 %
24
REALIZATION
86.725
117.573
364.679
BUDGET
86.100
139.471
185.533
ACHIEVEMENT
101 %
84,30 %
196,56 %
REALIZATION
1.344.852
1.606.860
1.802.478
BUDGET
1.468.044
1.600.593
2.274.974
ACHIEVEMENT
91,61 %
100,39 %
79,23 %
BUDGET
57.922
115.819
298.033
ACHIEVEMENT
101,28 %
125,17 %
86,67 %
REALIZATION
58.668
144.977
258.306
4. LOAN/COST DEVELOPMENT
A. CONVENTIONAL
YEAR
2009
2010
2011
*) in Millions IDR
26
REALIZATION
1.172.311
1.439.640
1.769.013
BUDGET
1.425.857
1.438.329
2.028.177
ACHIEVEMENT
82,22 %
100,09 %
87,22 %
REALIZATION
59.686
166.141
300.589
BUDGET
60.526
127.420
306.000
27
SAVING SERVICE
10,84 %
10,55 %
11,43 %
LOAN SERVICE
21,91 %
15,08 %
12,92 %
ACHIEVEMENT
98,61 %
130,38 %
98,23 %
CLOSING
Thats all board accountability brief report in the 2nd year of 2010-2014 that can be presented. In
facing 2012, we do hope the actively participation from all the members, whether in the form of
service products, advice or critical in order to make KOSPIN JASA as world level cooperative.
Finally if there is any mistaken or the other unpleased things in giving the service to the members,
we do sorry about that.
Secretary
H. Sachroni
28
vice secretary
H. A Alf Arslan, SE
secretary I
secretary I
Kadafi Yahya
TREASURE
VICE TREASURE
H. Taufik Karim
Budi Setiawan
Treasure I
Treasure II
H. Nadhirin Maskha
H. Baidhowi
29
Treasure III