Modal Koperasi Desa Merah Putih? Jenis Simpanan Koperasi: Pokok, Wajib, Sukarela- Sedesa ID

Summary

In this video, Ari Sedesa explains the three key types of savings in cooperatives: principal savings, mandatory savings, and voluntary savings. Principal savings represent the initial commitment to join a cooperative, mandatory savings are regular contributions for the cooperative's operations, and voluntary savings are flexible deposits made by members. The video highlights the importance of these savings in ensuring the cooperative's independence and strength, helping build mutual cooperation, and providing the capital needed for sustainable growth. It emphasizes that members' active involvement is vital for a cooperative's success and self-sufficiency.

Takeaways

• 😀 Principal savings are a one-time payment made by members when they first join a cooperative, symbolizing their commitment.
• 😀 Mandatory savings are regular contributions (e.g., monthly) that help fund the cooperative's daily operations and projects.
• 😀 Voluntary savings are optional, flexible deposits made by members, with no fixed amount or required frequency.
• 😀 Principal savings cannot be withdrawn as long as a member is active in the cooperative and contribute to its capital.
• 😀 The amount of mandatory savings can be uniform for all members, with a set amount (e.g., IDR 20,000 per month).
• 😀 Voluntary savings can be deposited and withdrawn at any time, providing members with flexibility and additional capital.
• 😀 All savings (principal, mandatory, and voluntary) are essential for the cooperative's independence and financial stability.
• 😀 Without sufficient savings from members, cooperatives risk relying on external assistance, which can undermine their autonomy.
• 😀 Cooperative savings help foster a sense of ownership and responsibility among members, strengthening the cooperative's foundation.
• 😀 Savings amounts should be determined based on members' economic capacity, the cooperative’s needs, and member deliberations.
• 😀 Clear agreements about savings amounts and terms should be written in the cooperative's Articles of Association to prevent future conflicts.

Q & A

What are the three types of savings discussed in the video?

The three types of savings discussed are principal savings, mandatory savings, and voluntary savings.

What is the purpose of principal savings in a cooperative?

Principal savings serve as the initial commitment of a member to join the cooperative. It's a one-time payment that shows a member's seriousness about participating in the cooperative.

How is principal savings different from mandatory savings?

Principal savings is a one-time fee paid upon joining the cooperative and is used as initial capital for the cooperative, while mandatory savings are regular contributions made by members to support the ongoing operational needs of the cooperative.

What are the characteristics of mandatory savings?

Mandatory savings are paid regularly, usually monthly, can be the same amount for all members, cannot be withdrawn as long as a member is active, and provide the main source of funds for the cooperative's operations.

How do voluntary savings differ from the other two types of savings?

Voluntary savings are flexible contributions made at a member's discretion. There is no required amount or schedule, and the savings can be withdrawn based on the cooperative's provisions, offering more flexibility than the other types.

Can voluntary savings generate interest, and if so, how is it determined?

Yes, voluntary savings can generate interest. The cooperative may provide special interest or share profits (SHU) from the cooperative's activities, and the rate of interest is typically determined through a member meeting.

Why are savings essential for the success of a cooperative?

Savings are vital because they create a source of internal funding, ensuring the cooperative's independence from external assistance. They help build a sense of ownership and responsibility among members while providing necessary capital for the cooperative's daily activities.

How does the cooperative ensure that the savings process is fair and clear?

The amounts and conditions for principal, mandatory, and voluntary savings must be determined through deliberation and agreed upon by members. These terms are then written into the cooperative's Articles of Association and bylaws to avoid disputes.

What role does deliberation play in setting the savings amounts in a cooperative?

Deliberation ensures that the savings amounts are set based on the economic capabilities of members, the cooperative's initial needs, and the agreement of the members, making the process democratic and inclusive.

How does the cooperative use the funds raised from mandatory savings?

The funds raised from mandatory savings are used for cooperative operations such as employee salaries, operational costs, business investments, and maintaining liquidity, ensuring the cooperative remains active and functional.