Bogor, 14 May 2016 Ministry of Cooperatives and Small and Medium Enterprises 2016 PRESENTED BY: BRAMAN SETYO DEPUTY OF FINANCE
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Bogor, 14 May 2016
Ministry of Cooperatives and Small and Medium Enterprises
2016
PRESENTED BY:
BRAMAN SETYO
DEPUTY OF FINANCE
1. Why is Cooperative so important in National economy?
2. Why does Cooperative become a distinguished entity from other business entities?
3. How does Cooperative run the business of Savings and loans through Islamic Financing?
4. What are the roles of Islamic Cooperatives or Islamic Unit Cooperatives toward empowering their members?
Focus of Discussion
Why is Cooperative so important in National economy?
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
"In actual, majority size of entrepreneurs in Indonesia is Micro”
Data Kementerian KUKM dan BPS 2014
Usaha Mikro 98,77
%
Small enterp
rise1,13%
Medium Enterpri
se
0,09%
Big Enterp
rise 0,01%
Usaha Mikro (Asset: < Rp 50 Juta/Omset: ≤Rp. 300 Juta Per Th), Usaha Kecil (Asset: Rp 50 Juta - 1 Milyar/Omset: Rp 300 Juta - 2,5 Milyar),
Usaha Menengah (Asset: >Rp 1 Milyar - 3 Milyar/Omset: >Rp 2,5 Milyar - 50 Milyar), dan Usaha Besar (Asset: >Rp. 3 Milyar/Omset: >Rp. 50 milyar)
UU No. 20/2008 tentang UMKM
2013
Background1
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Asymmetry
Asymmetry Access of Resources
Competence and Competency Standards
Science and
Technology
Production
Market and
Network Marketing
Information and
Management
Systems
Financing of
Islamic Bank/IFIs
2
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Medium and
Large
Enterprise
0,1%
94,22%
45,49%
27,52%
Labor
GDP
InvestmentTax
mSME99,9%
Data of Ministry of Cooperatives and SMEs 2013
72,48%
54,51%
5,78%
Gap Contributions of SME & Large
Enterprise
4,00%
EXPOR
95,97%
Gaps Contributions of Business
Players
3
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Institutional
Arrangement for
Micro and Small
Enterprises
Group System/
“Tanggung Renteng”(Join responsibility)
Formal Organization
(legality of Cooperative)
Central Approach
/Business Cluster
Business Coaching and
Mentoring
Institutional Arrangement
Empowerment of micro and small businesses may not be approached
individually Grouping Approach Group legality = Cooperative!
4
Why does Cooperative become a distinguished entity from other business entities?
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Core Philosophy of
Cooperative
Cooperative is Organization
economy with the Social Character
Cooperative is a groups of people
rather than a collection of
capital
Cooperative provides benefit
(benefits) instead of income (profit)
Cooperative does not transact to
members but the each member
transact through cooperative
5
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
CHARACTERISTICS OF COOPERATION
Cooperative is formed by members on the basis of same economics interest;
Each Member of the cooperative is as an owner and a service users, so that the cooperative was established, regulated, managed, controlled and exploited by members
Cooperative aims to promote the welfare of members in particular and society in general.
Cooperative enable to build and develop the potential and ability of member in businesses skills in order to increase their economic prosperity.
Cooperative values: independence, solidarity, justice, equality and democracy, social responsibility and caring for others;
6
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Membership is voluntary and open;
Management conducted
democratically
Distribution of net income(SHU) in fair proportion in
accordance to the scale of business of each member;
The provision of
remuneration is limited to
capital;
self-reliance;cooperative education
Cooperation among
cooperatives;
COOPERATIVE PRINCIPLES
Overall cooperative principle is the essence and basis of cooperative operation as
a business entity and is a hallmark of the cooperative that sets it apart from other
business entities.
7
How does Cooperative run the business of Savings and loans through Islamic Financing?
Islamic principles are the principles of Islamic law in the activities of cooperative efforts by
the fatwa issued by the National Sharia Board of the Indonesian Scholar Council (DSN -
MUI).
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
*Data 31 December 2013, Ministry of Cooperative and SMEs,
NO Institutions
Total
KSP/USP &
KJKS/UJKS
Members
(persons)
DEPOSITS
RECEIVED
CAPITAL
LOAN
OWNER'S
EQUITY/
PERMANE
NT
CAPITAL
INVESTME
NTS
ASSET LOANS
GIVEN
Income
Current
Year
UNIT Persons (IDR. TRILION) (IDR. TRILION) (IDR. TRILION) (IDR. TRILION) (IDR. TRILION) (IDR. TRILION) (IDR. TRILION)
1 2 3 4 5 6 7 8 9 10 11
1. KSP/
Kopdit
10.683 3.050.270 6,5 10,08 5,58 1,86 24,54 17,54 1,28
2. USP Cooperatives
95.053 15.187.326 30,3 8,28 19,91 1,40 53,95 44,87 3,76
3. KJKS 1.167 122.439 1,3 2,41 0,43 0,07 4,27 3,25 0,01
4. UJKS Cooperatives
2.141 279.967 1,7 0,54 0,07 0,01 0,81 0,65 0,02
Total 109.044 18.640.007 39.246,00 21,32 25,99 3,3 83,56 66,31 5,08
At the end of December 2014, the total number of KJKS/UJKS cooperatives registered at the Ministry ofCooperatives and SMEs amounted to 3,308 units consisting KJKS with 1,167 units and as many as 2,141UJKS Cooperative Units with total assets of more than IDR5.1 trillion and a member of more than 4Million People ,
Number of Finance Cooperative
8
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
In line with the development of the Islamic economicconcept in Indonesia, cooperatives in the 1980s grew up withthe Islamic Cooperative pattern like Salman ITB Bandung, RidhoGusti in Jakarta and cooperatives in the Islamic boarding school.
In the 1990s the Ministry of Cooperative and SMEs ofIndonesia hand in hand with Bank Muamalat Indonesia andPinbuk develop Syariah Business Savings and Loans patternthrough P2KER program that evolved into Sharia Revolving Fund.Meet the aspirations of the people in developing BMT, KUKMMinistry issued Decree 91/2004 on Islamic Financial ServicesBusiness by Cooperatives (KJKS / UJKS) reinforced with otherMinisterial Decree in 2007 on surveillance, health assessment,management of operational standards / procedures.
In Government Deregulation Policy Package I, MinistryKUKM issue some sweets among others Regulation No. 14 and15 2015 which regulates the Accounting and Business Savingsand Loans and Islamic Financing by the Cooperatives. Chewingthrough the activities of BMT back strengthened both in termsof Islamic accounting, sharia supervisory board and the presencewealth activities that no longer an option but an integral part ofKSPPS / USPPS Cooperative.
THE DEVELOPMENT OF KSPPS/USPPS COOPERATION
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Out Look USPPS 2016
Blue Print USPPS 2017-
2020
Guidelines for Sharia Principles
(2016)
Guidelines GCG Syariah
Cooperatives (2016)
Risk Management Guidelines
(2016)
Wealth Management Guidelines
(2016)
ZISWAF Accounting Guidelines
(2016)
Guidelines for Health
Assessment (2016)
Guidelines for Cooperative Development
classified (2017*)
HR Professional Certification
Sharia Coop, BSNP(2017*)
Management accreditation
USPPS, BAN (2018*)
FUTURE REGULATORY10
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Naming
Cooperative “… Name… Shariah”
Sharia Principles
and Values(AD/ART)
Sharia Supervisory
Board
(DPS)
Management and Islamic Accounting
(SOM, SOP danSAK Syariah)
Contracts and Shariah Product (Fatwa DSN MUI)
INFRASTRUCTURES IDENTITY OF
ISLAMIC COOPERATION
11
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Business Activity KSPPS / USPPS Cooperative
12
The business activities of savings and loans and Islamicfinancing based on Regulation No. 16/2015 includesbusiness savings, loan and Islamic financing, and maalactivities in order to empower micro-entrepreneursmember/prospective members and the surroundingcommunity cooperatives.
The business activities of savings and loans and Islamicfinancing obtained a license from the Ministry ofCooperatives and SMEs or service in charge of cooperativesand SMEs in the Province/Regency/City. While businessactivity maal license obtained under applicable legislationgoverning ZISWAF.
In the implementation, the Ministry of Cooperativesand SMEs facilitate cooperative partnership with Zakat LAZas Partner business and cooperative as nazir waqf moneylisted in Indonesian Waqf Board. Up to December 2015,there were 214 cooperatives have partnered as MPZ of LAZDompet Dhuafa and Baitul maal Muamalat and 103cooperatives registered as nazir of waqf money inIndonesian Waqf Board.
The business activities KSPPS / USPPS
Cooperative by Regulation No. 16/2015
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
BUSINESS COOPERATIONCooperative Legal entity
Cooperative, which runs business activities SPPS and other real sector which is set in AD / ART
KSPPS, cooperative menkhususkan on savings and loans and Islamic financing
USPPS, business units that carry out cooperative savings and loans and Islamic financing
BUSINESS ACTIVITIES OF ISLAMIC COOPERATION
KSPPS
USPPS Coop
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Unit Real
Sector
Unit Maal Unit Tamwil
Baitul Maal, manages
religious social funds from
employees, members and
the community.
• Empowering
socioeconomic mustahik
of the environment and
the region.
• Implement the spiritual
development (mental
spiritual)
• Growth of new
entrepreneurial mustahik
(Micro and Small
Enterprises)
• Education and business
assistance mustahik
• Retrofitting Initial Capital
Mustahik
Baitul Tamwil, perform the
function of financial
intermediation for SMEs in
meeting the needs funding
/ financing.
• Providing loans (qord)
for urgent basic needs in
food, clothing, and
shelter, including
education and health.
• Provide funding for the
needs of household
goods, capital, other
financial services
Real Sector, non-financial
services such as shops, factories,
transport, trade, etc.
Business Activity KSPPS / USPPS Cooperative
13
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
ROLE OF COOPERATION FOR
SMEs
ServicesThe service is fast,easy and cheap
WELFARECollectivity and Efficiency
BUSINESS PARTNERRealizing cooperationMembers Welfare
• Deposit
• Loan
• Financing
• Payment ZISWAF
• Market Price Difference
• Asset Ownership Opportunities
• Saving opportunities
• Surplus Operating Results
• Optimizing Business Resources
• Supplier Business Needs
• Build a spirit of / motivation and business competence
14
What are the roles of Islamic Cooperatives or Islamic Unit Cooperatives toward empowering their members?
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
KSPPS/USPPS
Empowerment of SMEsby KSPPS / USPPS Cooperative
15
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Empowerment of SMEsby KSPPS / USPPS Cooperative
16
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
17Empowerment of SMEsby KSPPS / USPPS Cooperative
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Leveling Efforts of Small Micro Enterprise Development
18Empowerment of SMEsby KSPPS / USPPS Cooperative
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
indicators of success
BENEFITS
QUALITY
QUANTITY
Ease for members in obtaining services
and microfinance products from
cooperative
Services and products used have an
impact on the promotion of the
economy and improving the welfare of
members
Correspondence between the services
and products offered by the desires and
characteristics of member businesses
Increasing the number of transactions
in using a diversity of services and
products
ACCESSIBILI
TY1
2
3
4
19Empowerment of SMEsby KSPPS / USPPS Cooperative
DEPUTI
PEMBIAYAAN
KEMENTERIAN KUKM
Thank YouTerima Kasih
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