KOPERASI DAN UMKM PERTEMUAN 5 PERMODALAN KOPERASI DAN PERHITUNGAN SHU

Summary

This educational video focuses on cooperative financing and SHU (Sisa Hasil Usaha) calculations. It explains the key concepts of cooperatives, including membership, goals, and active participation, while delving into the sources and structure of cooperative capital—such as member savings, loans, and external investments. The presentation highlights the importance of SHU, showing how profits are distributed among members and used for reinvestment or reserves. By the end, viewers will understand the financial workings of cooperatives, their capital structure, and how SHU benefits members directly and indirectly, fostering solidarity and supporting future growth.

Takeaways

• 😀 Cooperatives are organizations formed by a group of individuals with shared interests, aimed at achieving common goals, such as improving well-being and advancing local communities.
• 😀 The primary focus of cooperatives is not just profit but also the welfare and empowerment of its members through active participation and shared decision-making.
• 😀 Cooperatives help members gain access to affordable products and services, while also enhancing their income and overall quality of life.
• 😀 Active participation from members is crucial for the decision-making, program implementation, and operational management of the cooperative.
• 😀 Cooperatives encourage member empowerment by involving them in management and influencing policies that impact their lives.
• 😀 The profit generated by a cooperative is shared among members based on their participation, which can include dividends, discounts, or cheaper services.
• 😀 Cooperatives also contribute to social value by fostering solidarity among members and the wider community.
• 😀 The sources of capital for cooperatives include member savings (primary, mandatory, and voluntary savings), member loans, and external investments.
• 😀 The structure of cooperative capital consists of core capital (which cannot be withdrawn), member contributions, and external sources such as investments from third parties.
• 😀 SHU (Sisa Hasil Usaha or net income) provides direct benefits to members, like profit distribution, as well as indirect benefits, such as strengthening social ties and enhancing members' social status.
• 😀 SHU is also a reserve fund for future investments and development, with common allocation methods being conventional or pre-tax deduction methods.

Q & A

What is the primary focus of the lecture in this script?

The primary focus of the lecture is on the capital structure of cooperatives (koperasi) and the calculation of SHU (Sisa Hasil Usaha or surplus from business activities).

What are the key learning outcomes for students in this lecture?

The key learning outcomes include the ability to analyze the sources of cooperative capital, understand its capital structure, and calculate SHU.

How is a cooperative defined in the script?

A cooperative is defined as an economic organization formed by a group of people with similar needs and interests, operating based on mutual cooperation, participation, and empowerment, rather than solely focusing on profit.

What are the main goals of a cooperative as mentioned in the script?

The main goals of a cooperative are to meet the members' needs, improve their well-being, provide access to affordable products and services, increase income, and improve their quality of life.

How does participation work in a cooperative?

Members are expected to actively participate in decision-making, program execution, and the overall management of the cooperative to ensure it operates effectively and benefits all involved.

What is the significance of capital in a cooperative?

Capital is crucial for the operational sustainability and growth of a cooperative. It comes from member savings, loans, and external investments, which collectively support the cooperative's financial activities.

What are the sources of capital for a cooperative?

The sources of capital for a cooperative include member savings (such as mandatory and voluntary savings), loans from members, and external investments from third parties.

What is meant by 'modal inti' or core capital in a cooperative?

'Modal inti' or core capital refers to the fundamental capital of a cooperative that cannot be withdrawn, such as the mandatory savings from members.

What are the key components of SHU (Sisa Hasil Usaha) in a cooperative?

SHU components include operational income from products and services, reserve funds, and operational costs such as production, distribution, and administrative expenses.

How is SHU distributed among members and the cooperative?

SHU is typically allocated based on the contributions of members, including interest payments from borrowers, operational costs, and reserves. The specific allocation can vary and is decided through a meeting of members.