COMPANY PROFILE KSPPS INTI RAHN NUSANTARA

Summary

Koperasi Simpan Pinjam dan Pembiayaan Syariah Intirah Nusantara (KS-PPSI) is a Sharia-compliant cooperative focused on electronic pawn services, offering easy, fast, and accessible financial solutions. The business operates through partnerships, investors, and a network of branches across Indonesia, emphasizing customer relationships via various media platforms. With a commitment to Sharia principles, the cooperative offers products such as electronic and vehicle pawn services with flexible terms and transparent practices, ensuring fairness, empathy, and professionalism. KS-PPSI has expanded its reach, offering innovative solutions while promoting social and financial empowerment.

Takeaways

• 😀 The company, Koperasi Simpan Pinjam dan Pembiayaan Syariah Intirah Nusantara (KSPS Intirah Nusantara), focuses on electronic pawn services with a Sharia-compliant model.
• 😀 The business model includes partners, investors, and cooperative members, as well as activities like pawn services, auctions, and app branding.
• 😀 The company uses three primary contracts (akad): Rahen, Card, and Mukna Taksiran, with a focus on family-oriented and amicable service resolution.
• 😀 KSPS Intirah Nusantara serves a wide range of customers, primarily those aged between 18 and 55 years old, with services available via social media, email, and live chat.
• 😀 The company started as PT Gadai Syariah Berkat Bersama in 2018 and rebranded to KSPS Intirah Nusantara in 2023 to expand operations nationwide.
• 😀 The company now operates 72 branches across Indonesia, offering Sharia-compliant pawn services for items like electronics, vehicles, and appliances.
• 😀 KSPS Intirah Nusantara is legally registered with required certifications, including AHU and NIB, ensuring smooth and secure operations for opening branches.
• 😀 The company provides a simple pawn process with minimal documentation, including just a photocopy of the ID card, and offers flexible terms without penalties for late payments.
• 😀 KSPS Intirah Nusantara's pawn service includes easy liquidation for items like phones, TVs, motorcycles, and more, with no penalties or interest rates beyond agreed-upon fees.
• 😀 The company emphasizes customer relations through regular communication, social media engagement, and clear operational procedures for handling pawn transactions, payments, and renewals.

Q & A

What is KSPS Syariah Intirah Nusantara?

KSPS Syariah Intirah Nusantara is a cooperative organization focused on Islamic financial services, offering products like electronic pawning and vehicle pawning in accordance with Shariah principles.

How does the business model of KSPS Syariah Intirah Nusantara work?

The business model involves partners, investors, and cooperative members, and it includes activities such as electronic and vehicle pawning, app branding, and employing staff. The cooperative utilizes three main contracts: Rahen, Card, and Mukna Taksiran, all in compliance with market prices.

What is the target demographic for KSPS Syariah Intirah Nusantara's services?

The target demographic includes productive-age individuals, typically between 18 and 55 years old, who need financial solutions.

What services does KSPS Syariah Intirah Nusantara offer?

KSPS Syariah Intirah Nusantara offers Shariah-compliant pawn services for electronic devices, vehicles, and other goods, such as mobile phones, laptops, TVs, and motorbikes.

What is the process for pawning an item at KSPS Syariah Intirah Nusantara?

The process begins with the customer presenting their KTP for verification, followed by an item inspection and price negotiation. After the agreement, the customer fills out a form, signs the contract, and receives the funds.

How does the pawn duration and payment structure work?

The pawn duration is set for 30 days, with an initial deposit payment. After 15 days, the customer can either repay the loan or extend it for another 15 days. If the loan is not repaid within the 30-day period, a 7-day grace period is allowed before the item is auctioned.

What are the advantages of using KSPS Syariah Intirah Nusantara for pawning?

The main advantages include quick processing with same-day fund disbursement, no interest or compounded fees, and no additional costs for late payments within the tolerance period.

How does KSPS Syariah Intirah Nusantara ensure Shariah compliance?

The cooperative follows Islamic financial principles, avoiding riba (usury) and gharar (uncertainty), ensuring that all transactions are transparent, fair, and ethical.

What types of items can be pawned at KSPS Syariah Intirah Nusantara?

Items that can be pawned include mobile phones, laptops, cameras, drones, motorcycles, cars, televisions, refrigerators, air conditioners, and other electronics.

What is the role of the board of directors at KSPS Syariah Intirah Nusantara?

The board of directors is responsible for overseeing the cooperative's operations, ensuring compliance with regulations, and setting strategic direction. Key figures include the CEO, marketing, finance, and operational directors.