Edisi : Indonesia
Credit Union Pancur Kasih
Badan Hukum No.735/BH/X - 26 Desember 1996
Jalan 28 Oktober No1-7 Pontianak Utara 78241
Telp : 0561-881951, Fax : 0561-884660
email : cupkindo@gmail.com, info@cupk.org
Membership

Regular Member

  1. Person who is older  than 17years old or has been married
  2. Live in Pancur Kasih credit Union service area.

 

Non Regular Member

  1. Younger than 17 years old and financially under parents responsibility.
  2. Live outside of Pancur Kasih Credit Union area

 

General requirements to be a member

1. Open and voluntary membership
2. Under investigation or in jail, which have been law decided.
3. Healthy, both mentally and physically
4. Willing to accept and follow Pancur Kasih Credit Union principles and values.
5. Willing to accept and obey Pancur Kasih Credit Union Statutes, Credit Union Bylaw, Director’s Specific Rules, and Director’s Decisions.

 

Specific requirements to be a member

1. Fill the registration form.
2. Enclose 1 photograph 2*3 cm and copy of identity card. Non regular member in point 1 is not obligated to fill the requirements.
3. Deposit the responsibility fees:

 Advance deposit : IDR 15,000

Prime Deposit               : IDR 1,000,000
Obligatory deposit         : IDR      10,000
Sa’aleatn Deposit          : IDR 1,000,000
Building Fee                 : IDR     100,000
Educational fee             : IDR      30,000
Healthty solidarity         : IDR      25,000
Panabas                      : IDR      50,000
Amount                              : IDR 2,230,000

Deposit in cash when registered:


Advance deposit              : IDR 15,000
Prime Deposit (Minimal)   : IDR 50,000
Obligatory deposit           : IDR 10,000
Educational fee               : IDR 30,000
Healthty solidarity           : IDR 25,000
Panabas                        : IDR 50,000
Amount                                 : IDR 180,000

Can be paid in cash, credit or by capitalization loan:


Prime Deposit                : IDR    950,000
Sa’aleatn Deposit           : IDR 1,000,000
Building Fee                   : IDR    100,000
Amount                                : IDR 2,050,000

Non regular member in point 1 is not allowed to do capitalization loan.

4. Member must attend the economic education training, conducted by Pancur Kasih Credit Union, except Non-regular member in point 1.

 

Member Obligation


1. Saving money continually
2. Paying loan interest based on agreement
3. Remind less active members
4. Be a responsible guarantor
5. Persuading people to join Pancur Kasih Credit Union
6. Understanding solidarity program (Solkes and Panabas)
7. Preserving Pancur Kasih Credit Union reputation.


Member Right
1. Getting better services
2. Getting the information and report on Pancur Kasih Credit Union development.
3. Getting member Saving Interest and Bonus of Loan Account based on the terms condition.
4. Joining Annual General Meeting.
5. Voting and be voted to be a member of Directors and Supervisor Committee.

Member mutation 
1. Member mutation is administration transfer from one branch to another branches in one institution, Pancur Kasih Credit Union.
2. Member mutation can be done if a member proposes itself to manager of his/her registered.
3. Member mutation can be done by Manager based on efficient and efective service.

Member resignation
1. Passed away
2. Members’s desire
3. Board of management can decide to fire members with some reasons:
    a. Disobedient member of Pancur Kasih Credit Union Statutes, Pancur Kasih Credit Union Bylaw, Director’s Specific Rules, and Management Decision.
    b. Passive saving account for 6 months within the period of 1 year.
4. In case of member resignation:
    a. All of saving will be returned after all of credit account has been paid.
    b. Solkes, Panabas, Educational Fee, Building Fee, and Advanced deposit are not paid back.

 

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