PEWARTA is the abbreviated for Perlindungan Warisan (Simpanan dan Pinjaman)anggota in English is Member Inheritance Protection Program (Saving and loan account). PEWARTA is a member mutual product service by Puskopdit Borneo which manages the saving and loan account risks. Every member (Credit Union) of Puskopdit Borneo must be as PEWARTA Program participant.
1. PEWARTA gives protection to:
a. Member saving account.
The insurance that gives to member saving account called SWASA. SWASA is given to members inheritance which calculates based on stock saving and other saving account that is registered in PEWARTA program appropriate to the term decision.
b. Member credit account.
The insurance that gives to member credit account called BETANG(Bebas Beban Hutang/ free from credit account). BETANG program protects credit account of death members or member permanent disability which calculates based on the total of credit account of death members /member permanent disability appropriate to the term decision.
2. Terms and condition that must be fulfilled for death member PEWARTA Claim are as follow:
a. The original or copy of obituary report letter that has been legalized by officer government, hospital, or religion leader. The report must mention the reason of member’s death.
b. The original or copy of legalized identity cards, citizen registration letter that have been signed by chief of village.
c. Cards/books of the original saving or loan account.
d. The original sertificate of SeHat Saving account (For the member who own the SeHat account)
e. The origin of proposal or loan agreement (particularly for member who has a loan account)
f. Medical loan for other people that must be enclosure by sign of credit staff statement letter. The statement letter must includes:
1. Name, address, and occupation of patient.
2. Family relationship with loaner.
3. Name of the disease
g. Enclose the original medicine report/ receipt evidence from doctor or hospital.
h. Other evidences that is required to Pancur Kasih Credi Union.
4. Member’s permanent disability can propose Betang Claim by enclose:
a. The terms on number 2 above point b- e
b. Medical report from the doctor, permanent disability like blindness, paralysis, or madness.
c. Local government report for member permanent disability and irresponsible of medical care, like handicapped.
d. Statement letter from Pancur Kasih Credit Union manager that has been observed to member permanent disability, must be known by executive board of management and enclose some picture as the evidence.
5. SWASA or BETANG claim proposal must be achieved by Puskopdit BORNEO, lately of 120 days after the day of member’s death.
6. Completing claim process lately 45 days after the notification letter. Over the limited time above, the claim will be declined.
7. SWASA claim will be declined in terms below:
a. Not in a good health when registered as a Pancur Kasih Credit Union member and die in 3 months period after registered as a member.
b. Members saving account deposit at the age up to 70 years old.
c. Member saving account from Capitalization loan which never been instalment yet.
d. Member saving account from capitalization loan and member doesn’t pay the installment during 3 months in a row.
e. Members do not save their obligatory deposit for 12 months in a row.
f. Company saving account that is behalf of individual saving account.
8. BETANG claim will be declined in terms below:
a. The credit account is arrears in 6 months in a row.
b. Credit is given to non regular member that is under 17 years old and unmarried.
c. The credit is given to ill member.
d. Credit to finance individual medical treatment
e. Total credit account at the age up to 70 years old.
f. Capitalization credit account that is not installment for 3 months in a row.
g. Company credit account on behalf of individual member.
h. Member has ever achieved the BETANG claim because of permanent disability.
i. Member’s productive balance account who at the age 55 years.
j. Member’s productive balance account which have more than 36 months of repayment period
9. SWASA claim plafon is as follow:s
a. Member at the age of 1 year, 100% from saving account with the total plafon fee is IDR 5,000,000
b. Member who join as at the age of 1 to 60 years old, 100 % from PEWARTA’s protected saving account with the total plafon fee is IDR 50,000,000.
c. Member is registered at the age of 60 to 70 years old, 100% from saving account with the total plafon fee is IDR 10,000,000.
d. If there is withdrawal saving account at the age of 70 years old, so the claim must be paid as big as the lowest deposit saving account based on point b or c above.
10. BETANG claim plafon is as follow:
a. Loan is given to member at the age of 17 to 60 years old with total plafon is IDR 150,000,000.
b. Loan is given to member at the age of 60 to 70 years old with total plafon is IDR 50,000,000.
c. Member Capitalization credit account must be paid maximal 3 years.
11. Other terms and condition about PEWARTA program are arranged in PEWARTA Puskopdit BORNEO policy.