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
Product

SAVINGS ACCOUNTS

Members must have prime deposit and obligatory deposit. Each member can choose and have some saving products based on their need. Prime deposit and obligatory deposits’s interest  are part of members’s interest

Specific Term:

Prime Deposit

  1. Member must pay some money that must be paid at when registered.
  2. Member must pay IDR 1,000,000 when registered.
  3. Prime deposit must be paid in current year book
  4. Prime deposit can be paid by capitalization loan saving
  5. For members who have not paid prime deposit yet until the end of current year book, so the payment will be withdrawn from other saving products.
  6. Member’s interest of prime deposit will be given in the end after annual member meeting.
  7. The amount of prime deposit’s interest is decided in the annual member meeting decision
  8. Prime deposit can not be withdrawn as long as being a member.
  9. Prime deposit is protected by PEWARTA Puskopdit Borneo program.

 Obligatory Deposit

  1. Obligatory deposit is a sum of money that must be paid every month.
  2. Obligatory deposit is IDR. 25.000 for member per a month
  3. Obligatory deposit’s interest will be given in the end after annual member meeting.
  4. Obligatory deposit’s interest is decided in the annual member meeting decision
  5. Obligatory deposit can not be withdrawn as long as be a member.
  6. Obligatory deposit is protected by PEWARTA Puskopdit Borneo program.

 

Daily saving interest

Sa’aleatn saving account

  1. Is a voluntary deposit as the investment for the future.
  2. Saving minimum is IDR  50,000
  3. Variety interest saving based on management decision.
  4. Sa’aleatn interest saving is calculated based on the long term period deposit of its month.
  5. Sa’aleatn interest saving is paid in the end  of every month.
  6. Minimum saving deposit ≤ IDR 1,000,000, does not have the interest.
  7. Sa’aleatn saving with minimum deposit IDR 100,000,000  in a month doesn’t influence the interest.
  8. Withdrawal Sa’aleatn saving with minimum deposit IDR 100,000,000 in a month doesn’t influence the interest
  9. Sa’aleatn saving is protected by PEWARTA
  10. Member can save the money more than one time in a month.

 

Pangari saving account

  1. Pangari Saving account purposes to manage member financial management
  2. Opening and closing Pangari saving will be charged
  3. Minimum deposit is IDR 25,000
  4. Pangari interest saving is paid at the end of month.
  5. Pangari interest saving is calculated based on the long term period deposit of its month.
  6. The amount of Pangari interest saving can change without any confirmation previously.
  7. The alteration of pangari interest saving will be decided on the letter of Directors’s decision.
  8. Withdrawal Pangari saving on Saturday is served while the money supply is available.
  9. Member can have more than one pangari account.

 

TIPARA (Feast Saving Account) 

  1. Tipara is a particular member saving to prepare some money for their feast.
  2. Opening and closing Tipara saving will be charged.
  3. Initial and Minimum deposit are IDR 50,000
  4. Tipara interest saving is calculated based on the long term period deposit of its month
  5. Tipara interest saving is paid at the end of month.
  6. The amount of Tipara interest saving can change without any confirmation previously.
  7. The alteration of TIPARA interest saving will be decided on the letter of Directors’s decision.
  8. Withdrawal Tipara saving is fastest to be done before 1 month of the holiday.
  9. Withdrawal Tipara saving on 1 month before holiday will be charged 5% from withdraw nominal, except withdrawing Tipara saving because of passed away.
  10. Member can have more than one Tipara Account.    

 

SiPintar (Educational Saving Account)

  1. Sipintar is a particular member/applicant saving for children and students maximal in Senior High School level.
  2. Opening the Sipintar saving is free charge.
  3. Closing the Sipintar saving will be charged
  4. Initial deposit ≥ IDR  15,000 and minimum deposit is IDR  15,000.
  5. Flexible time in depositing with deposit minimum IDR 1.000
  6. SIpintar saving can be withdrawn every at the end of semester (December, January, June, and July)
  7. Withdrawal out of month that is decided on point 6, charged 5% from the withdraw nominal, except withdrawing Sipintar saving because of passed away.
  8. Sipintar interest saving is calculated from the lowest minimum deposit in one month.
  9.  Sipintar interest saving is paid in the end of month and can change automatically.
  10. The alteration of SIPINTAR saving account interest saving will be decided on the letter of Directors’s decision.
  11. Member can have more than one SiPintar saving account.

 

Griya Saving account

  1. Griya  is a saving product to help member in purchasing their own house.
  2. Minimum initial deposit is IDR 100,000
  3. Closing Griya Saving account is charged IDR  25.000 for administration fee.
  4. If your book is lost or broken, it will be charged IDR 25.000 for restitution fee.
  5. Griya Saving will be a guarantee for home loan.
  6. The interest account is calculated based on the long period of deposit on it’s month and paid every in the end of month.
  7. The interest account can be change anytime without confirmation previously.
  8. The alteration of Griya Kasih interest saving will be decided on the letter of Directors’s decision.
  9. Member can have more than one Griya saving Account

 

Vehicle Saving Account

  1. Vehicle saving account is a saving product to help member in purchasing their vehicles.
  2. Minimum initial deposit is IDR  100,000
  3. Closing vehicle saving account is charged IDR  25,000 for administration fee.
  4. If your book is lost or broken, that will be charged IDR  25,000 for restitution fee
  5. Closing vehicle saving account will be a guarantee for vehicles loan.
  6. The interest account is calculated based on the long period of deposit on it’s month and paid every in the end of month.
  7. The interest account can be change anytime without confirmation previously.
  8. The alteration of vehicle saving account will be decided on the letter of Directors’s decision.
  9. Member can have more than one vehicle saving account.

 

TIME SAVING ACCOUNT

SISUKA (Voluntary time saving account)

  1. Sisuka is a Member saving account purposes to plan some fund in short  period of time
  2. Minimum deposit is IDR 1.000.000
  3. Opening Sisuka saving account is charged of administration.
  4. The period of deposit: 3 months, 6 months, and 12 months.
  5. Variety interest saving based on the period of deposit and Directors’s decision
  6. Monthly interest saving account.
  7. The interest saving is paid in due date and transfered to Pangari or Sa’aleatn saving.
  8. Closing the account befoure the due  date is charged with penalty fee 3% from nominal withdrawal, except pass away.
  9. Another terms are listed in Sisuka certificate.
  10. Member should have Pangari Account to open Sisuka account
  11. Member may have more than one account

 

SeHaT (Sejahtera Hari Tua)/ (Elderly Safety Saving Account)

  1. SeHat saving account is a member saving account to plan some fund in long period of time.
  2. Minimum deposit of SeHat is IDR 500,000
  3. Opening  SeHat saving account is charged administration fee.
  4. The period of deposit time is minimum 5 years and can be lengthen by opening the new sertificate.
  5. The Interest of SeHat saving account is given 13% per a year.
  6. The Interest of SeHat saving account is paid every annually due date and increase your saving.
  7. Sehat saving account is protected by PEWARTA program.
  8. Withdrawal before the contract due date is charged with penalty fee 5% from nominal, except pass away.
  9. Another terms are listed in SeHat certificate.
  10. Members may have more than one account

 

Withdrawal Saving Account

  1. Withdrawal some saving account can not be subsituted except with enclosure the legal authority letter from the owner.
  2. The receiver of withdrawal saving account must show the origin  identity card(KTP/ Driving license) and enclosure the copy of  identity card from giver and receiver the authority.
  3. In case of withdrawal the SeHat saving account before the due date, the interest payment has been annually due dated.
  4. Large amount of withdrawal some saving on Saturday is served with clarification 2 days previously. If, there is not clarification, withdrawal will appropriate with cash deposit.
  5. Withdrawal some saving account will be served if you take the saving account book.
  6. In case of loan deposit is more than saving deposit, whole of saving account will be as guarantee for that loan, can not be withdrawn.

 

LOAN ACCOUNTS

General Term

1. Member has registered. 
2. Capitalization loan, the total of your loan as equal as you’re saving and the total of your loan is under saving, the term of member on chapter I, point d7 is not required.
3. Loaner must consultation about their loan with credit consultant. The consultation can’t be represented. Otherwise, loan consultant asks loaner to attend with their couple.
4. Filling the form of loan application that has been provided by Pancur Kasih Credit Union.
5. Loaner applicant must attach copy of identity card, family register, or others.
6. Every loan proposal should be permitted from their couple and the couple must attend the disbursement loan processing.
7. The total of loan is authorized by staff of loan based on some conditions; the aims of loan, the frequent of saving, the ability to pay back, and the participation and achievement (TUKKEPPAR), in addition 5 C (Character, Capacity, Capital, Condition, and Collateral)
8. Staff of credit can ask creditor to give some guarantee as security of loan.
9. The estimation guarantee is the authorize of loan staff
10. Letters of loan agreement must be signed on a stamp
11. The loan agreements can be notarized.
12. Loan agreement over IDR 1,000,000 must be attached by stamp
13. Member can not propose the loan more than 3 products.
14. Loan purpose should not destroy the environment
15. The interest of loan is decided by Directors’s decisions and changeable.
16. Primary installment and interest of loan is given every month except especially regulated products.
17. Loan payment is mainly covered in loan interest
18. If primary installment is paid more than once in a month, the calculation of credit interest for next month based on loan account in monthly maturity.
19. The members’ loan will be protected by PEWARTA program Puskopdit Borneo.
20. The loan above the term of PEWARTA is obligated to insurance.
21. Non regular member in chapter 1 point B.1 have no right to propose the loan.
22. Regular member chapter 1 point B2 have right to propose the loan as same as the saving.
23. Loan Under saving amounts:
a) Loan under saving amount is given to the member maximal 90 % from Sa’aleatn account or SeHat account.
b) Loan disbursement can be done at that time.
c) Maximal repayment 60 months
d) Loan interest decided by Directors’s Letter Statement.

Specific Terms

 

Education Loan


1. Education Loan is given to support member’s financial in college institute.
2. Showing institutional evidence test or in the middle of finishing thesis.
3. The loan is given under parents’ responsibility.
4. Must be a member in CUPK
5. The maximal repayment period of 60 months.

Capitalization Loan

1. Capitalization loan is given to increase members’ Prime deposit, Sa’aleatn, SeHat.
2. The loan is given right away when you propose.
3. The maximal repayment period of 36 months (based on procedures of PEWARTA Program)
4. If you miss the installment for 2 months in a row then the stock deposit in your saving account will be withdrawn to cover the loan.
5. New members that have not joined basic financial training can propose this loan.

Multifunction Loan

1. Multifunction Loan is given to afford family needs such as family equipment, electronic equipment, party, other family’s occasion, etc.
2. The saving (stock saving, SeHat, Sa’aleatn) minimal 20 % from the total loan.
3. The maximal repayment period of 60 months.

Griya Loan

1. Griya Loan is given to purchase your own house, to pay, or to reconstruct your house. TheHouse that will be constructed is used as the guarantee and insurance based on period of repayment.
2. The Griya saving accounts minimal 10% from the total loan.
3. The maximal repayment period of 180 months.
4. The loan interest is decided by the Directors’s decision.


Agricultural and Animal Husbandry Loan

1. Agricultural and Animal HusbandryLoan are given to finance Agro business or agricultural commodity and animal husbandry.
2. The loan interest is paid in advance
3. Willing to be accompanied by Pancur Kasih Credit Union staff.
4. The repayment period is based on planting and harvesting time, and maximal of 12 months.
5. The payment of primary loan will be paid after harvesting.


Plantation Loan

1. Plantation Loan is given to finance the commodity of plantation such as rubber, cacao, etc. the terms are as follows below:
2. The loan disbursement is done gradually.
3. The maximal loan repayment period of 60 months
4. Willing to be accompanied by Pancur Kasih Credit Union staff in groups.

Vehicle Loan

Vehicle Loan is given to purchase your own vehicles.
The terms to buy motorcycle are as follow:
1. Having Kencana Kasih saving minimal 20 % o from the total price of motorcycle.
2. Maximal repayment period of 48 months for newest motorcycle and given insurance for 2 years.
3. Maximal repayment period of 36 months for used motorcycle.
4. Motorcycle will be the guarantee.
5. If a loaner doesn’t installments 3 months in a row , then Pancur Kasih Credit Union will take the guarantee to cover the loan account.
6. The loan interest is decided by the letter of Directors’s decision.


The terms to buy a car are as follow:
1. Having Kencana kasih saving minimal 20% from the total price of car.
2. Maximal repayment period of 60 months for newest car and given insurance for 2 years.
3. Maximal repayment period of 48 months for used car loan and given insurance for 2 years.
4. The guarantee is the car itself.
5. If a loaner doesn’t installment 3 months in a row then Pancur Kasih Credit Union will take the guarantee to cover the loan account.
6. The loan interest is decided by the letter of Directors’s decision.


Business Capital Loan
a. Mekar Usaha
1. To increase your business capital or opening a new business.
2. Having a business office
3. Maximal repayment period of 60 months.


b. Occasional Business
Occasional business loan is given to provide occasional business finance.
1. The loan interest is paid in advance
2. The payment of primary loan is paid on due date.
3. Maximal repayment period of 6 months.

c. Project capital
1. Project capital is given to finance government/private project business.
2. Pancur Kasih Credit Union will approve the proposal when the loaner could show the letter of work command (SPK).
3. Submitting complete administration papers such as company incorporation certificate (APP), the letter of work commands (SPK).
4. Giving some guarantees with enclosed ownership letters.
5. maximal repayment period of 12 months (adapted to the processing time)
6. The primary loan repayment can be installment/term in project disbursement.
7. The loan interest is paid in advance.


Medical Loan
1. Medical Loan is given to members who need medical financial.
2. The maximal repayment period of 60 months.
3. The loan is given on behalf of representative family member itself.
4. Loan interest is decided by the letter of Directors’s Decision.


Guarantor
1. Loan applicant must include 2 or 3 guarantors and signing loan proposal and letter of agreement.
2. The guarantors are active members and known each other.
3. The loan under or same as saving is doesn’t need guarantor.
4. Guarantor responsible for carry out the payment process.
5. Directors, supervisors, advisors, and staffs of Pancur kasih Credit Union should not be as guarantor.

Collateral
Collateral can be:
1. a. Whole of saving
    b. Valuables with legal evidence of ownership.
    c. Salary with the authority letter of devaluation and letter of payment.

2. Collateral that has been given can be strengthen by the low evidence and notarized letter.
3. Staff can withdraw member saving to pay primary installment and loan interest and seize collateral if there is happened a deliquency loan.
4. Letter of guarantee can not be taken before 10% total of loan less than total of saving’s guarantee.

Disbursement of loans
1. Loan disbursement can be done right after proposal has been agreed signed by loan staff then fulfilled the requirements.
2. Loan disbursement can be done directly or gradually.
3. Loan disbursement schedule is arranged by loan staff.

Administration fee
1. The loan is charged the administration fee which decided in directors’s decision.
2. Additional charges like stamp, field survey, insurance and notarized engagement is paid to the loaner.

Loan Cancellation
The loan that has been accepted can be cancelled before the disbursement based on the condition below:
1. Loan applicant cancels the proposal.
2. Loan staff finds some unsupported information
3. Staff of credit finds some irresponsible in managing business such as environmental destruction.

Fine
1. If there is carelessness of primary installment and interest payment, fined 3 % per a month of primary installment and 3% per a month in an arrears interest.
2. Fine will be given if the payment returns over the next month.

Repayment and the changing of loan agreement
1. The fixed loan interest is paid before the period of agreement will be charged penalty fee as big as the repayment of loan interest in one month.
2. The alteration of fixed loan interest to declining loan interest or turnover can be charged if the installment has achieved 50% from term period which decided on the letter of loan agreement.
3. The changing of interest agreement, the due date, the repayment period, guarantees, is charged administration fee. The total of administration fees is decided in the letter of management decision.

 

Member Surplus

1. Member Surplus consists of Member Saving Interest and Bonus of Loan Account.
2. Member saving interest consists of Prime Deposit interest and obligatory deposit interest
3. Obligatory deposit arrear in one yearbook caused the saving interest can’t be paid full in one yearbook
4. Member who didn’t pay the obligatory deposit more than 4 months in a row within 1 year, they do not have a right to get full surplus and saving interest.
5. Member who always installment the primary loan and interest loan fully based on the agreement, they have rights to get Bonus of Loan Account.
6. Delinquent members or didn’t pay the primary loan and interest loan during 3 or more than 3 months in a row within 1 year, they did not have rights to get Bonus of Loan Account.
7. Member Saving Interest and Bonus of Loan Account benefits will transfer to Sa’aleatn saving account Prime and obligatory deposits or distributed to cover solidarity fees.

 

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