COMMERCIAL LOANS

Cooperative Executing Loans

Cooperative Executing Loans

Credit given to a primary cooperative employees ( cooperative / employees ) and cooperative ( pkp / gkp-ri ) to working capital savings and loan for its members, where a bank do tying credit cooperative.

The target of the marketing of the channeling of credits to loan and save cooperative ( the pattern of executing ) pt pgn promised to supply:

  • PKPRI/GKPRI

  • Civil servants cooperative in the vicinity of the government agencies involved in the , state owned business entities ( BUMN ) , and regional owned business entities will ( BUMD ) .

  • Civil servants cooperative in private companies with kiteria the company is as follows:
    • Are legal entities limited company ( pt ).
    • Have operated more than 5 ( five ) years.
    • Not included in the economic sector and business activities containing high risk as:
      • Company commodities that are fluctuating high.
      • Company much influenced by a factor of ekstemal as faklor weather and others – other.
      • In location of economic activities that is in a particular location, such as the area conflict / unrest or disaster prone.
  • A period of time for seven facilities: maximum seven years .

Uses facilities

  • Fund their working capital savings and loan employee cooperative / employees

Excellence

  • Versed more than 24 years serving credit for cooperatives civil servants / state-owned companies / bumd and cooperatives professional workers
  • The process easy and fast with marketing active pick up the ball
  • Flowers competitive
  • Disbursement could be done through account cooperatives

Requirements and provisions:

No

Description

Requirements and provisions

1

Name

KMK – Koperasi Pola Executing

2

Criteria debtor requirements

  1. The general requirements for other mfis are cooperatives:

    • Cooperatives have legal entities .

    • Cooperatives having a savings and loan business that have opened in the at least for 2 ( two ) years .

    • Among the and supervisory cooperatives can having the family ties .

    • Cooperatives and cooperative managers were not enrolled in credit problematic ( its kotektibilitas 3 , 4 and 5 ) based on the results of bank checking for 12 ( twelve ) months .

    • Cooperative managers not and office in management of primary cooperatives / secondary other .

    • Specifically to of primary cooperatives , cooperative managers come from agencies or company over cooperatives , where one of cooperative managers have to permanent staff / active in agency or company over cooperatives .

    • Special to cooperatives secondary , when the applicant is pkp-ri so pkp-ri had been a a member of gkp-ri officials and for gkp-ri has become a member of IKP-RI .

  2. General terms for prospective members borrowers ( specifically to primary cooperative:

    • The members of the cooperative active as evidenced by the payment of compulsory savings of every month accompanied proof of payment compulsory savings of for 3 ( three ) months.

    • Age: at least the age of 21 ( twenty one ) year.Maximum age does not exceed retirement age when credit due.

    • Are permanent staff in agency or company over cooperatives.Were not enrolled in kedit troubled in the cooperative.

    • Had a bank account at as the bank accounts borrowed from a cooperative to prospective members borrowers.

3

Documents loans proposals

  1. Filling out a loan application ( fpp ).

  2. A copy of the ratification of the cooperative as a body laws or a copy of the ratification of the amendment of articles of association last .

  3. A copy of rat for 2 ( two ) years past .

  4. A photocopy of taxpayer number npwp director general in the name of cooperatives .

  5. Photocopy of id card cooperative managers consisting of the management of the cooperatives.

  6. A letter many human beings and cooperatives that in legalisir by pkp-ri / gkp of the republic of indonesia or the office for cooperatives and stated that they are not there have been instances of the family relationship .

  7. A power of attorney with the signing of the credit agreement .

  8. Of photocopying documents collateral and it can reach , if were required to .

4

Additional documentation

  1. The treasury bills salary.

  2. A copy of the cash for 3 months.

  3. Photocopy slip salary / companies salary 1 months.

  4. List of candidates borrowers ( dcp ) and said it was entering the members troubled.

  5. Carte blanche salary cut off by of prospective borrowers to authorities slaughter salary.

  6. Carte blanche pendebetan giro accounts.

5

Maximal Plafond Kredit

  1. Maximum loans that can be given according to to the the maximum limit the provision of credit ( bmpk which is valid .

  2. Specifically to of primary cooperatives , maksimat plafond credit determined based on debt to equity ratio ( der ):

    • Maximum der of 800 % or eight times can be given as the following provisions:

      • Bad debt < 5%

      • Loans were given to end user ( members cooperatives ).

      • The cooperation agreement cut salary between cooperative managers with treasurer official hrd / human resources related parts in soe / bumd private and national to ensure cutting salary be done in right in accordance with the schedule installments.

    • If bad debt >5 % , so to set aside a maximum der as much as 500 % or 5 times raised its key rate .

  1. Special secondary to cooperatives , credit maximum plafond determined from the ratio of collateral value build on the credit arrangement about security .

6

A period of loans

o set aside a maximum 84 the moon 7 years

Between bank credit time frame is to cooperatives to be the same with credit time frame is between cooperatives with prospective members borrowers .

7

Lending rates

Accordance

8

Costs of the credit

  1. Notary

  2. Administration ( corresponding )

  3. Provision ( corresponding )

  4. Life insurance premium to end user borrowers in the cooperative primary ( corresponding )

9

Setting the withdrawal of credit loan

According to a list of candidates for borrowers ( dcp ) from bank.

10

Pattern credit repayments

Installment (Principal; + Lending)

11

Tying credit

  1. Binding credit for plafond and loans plafond + tray debit ) as much as & it is >Rp .5 billion made possible done in in their hands .
  2. Binding credit for plafond and loans plafond + tray debit ) as much as > Rp .5 billion done in notarial
  3. All the credit that are mandated use physical collateral obligatory in notarial .

12

Type of collateral

  1. Guarantee credit for filings of primary cooperative of funding of 1 ( one ) times installment in biokir to credit keel.

  2. Guarantee credit for filings of secondary cooperative is mortgage assets of fix ( the ground and or building ).

13

Value collateral

125 % for loan facility from a cooperative secondary .