Kamus Istilah Koperasi

Istilah Perkoperasian

This is the mandatory initial deposit you make when joining the cooperative. Think of it as your membership fee that secures your place in the cooperative community. It’s non-withdrawable, but it represents your permanent share in our cooperative.

SHU (Sisa Hasil Usaha)

This is the cooperative’s profit after all expenses are covered. The best part? It’s shared with members like you, based on your contributions and participation. It’s one of the rewards of being part of the cooperative family!

Simpanan Wajib

Every member contributes regularly through this mandatory savings. It’s like a subscription that keeps you actively involved and helps the cooperative run smoothly, ensuring everyone benefits.

Rapat Anggota Tahunan (RAT)

The Annual General Meeting is where all members come together to discuss how the cooperative performed over the past year, review reports, and plan for the future. It’s your chance to have a say in how things are managed.

Pinjaman

When you need financial support, the cooperative offers loans with flexible terms and lower interest rates compared to banks. It’s a member-first approach to helping you achieve your goals.

Jasa Pinjaman

This is the interest charged on loans you take from the cooperative. The rates are designed to be fair and more affordable than traditional financial institutions, ensuring you’re supported without unnecessary burdens.

Dana Cadangan

The cooperative sets aside reserve funds to ensure stability during challenging times. It’s like a safety net that keeps operations running smoothly even in unexpected situations.

Modal Penyertaan

This is the extra capital contributed by members or external parties to help the cooperative grow. It’s an investment in the cooperative’s future, driving development and new opportunities.

Anggota Luar Biasa

Special members, often non-regular contributors, are welcomed as part of the cooperative. While their rights might be limited, they still play a role in supporting the cooperative’s activities.

Koperasi Simpan Pinjam (KSP)

This type of cooperative is all about providing goods and services to members at better prices and quality than what’s available outside. It’s designed to give members real value in their everyday lives.

Kamus