Pembiayaan Koperasi Karyawan iB

Product Information

Pembiayaan Koperasi Karyawan (KOPKAR) is a working capital financing facility provided by PT Bank Danamon Indonesia Tbk, Sharia Business Unit, to a Sharia Employee Cooperative (KOPKAR) under a Mudharabah Muqayyadah arrangement. The funds are then distributed to eligible cooperative members based on approved financing applications, with repayments collected collectively through a payroll deduction mechanism managed by the Company's Human Resources Department.

Benefits

  1. Alternative Sharia Financing Source
    Offering Sharia-compliant financing solutions for Employee Cooperatives (KOPKAR).
  2. Working Capital Support for KOPKAR
    Facilitating KOPKAR's working capital requirements to better serve its members.
  3. Improved Member Welfare
    Empowering KOPKAR to enhance the long-term financial well-being of its members.
  4. Alignment with Sharia Principles and the Halal Ecosystem
    Supporting financial activities that adhere to Sharia principles and contribute to the growth of the halal economy.
  5. Secure and Transparent Financing Solution
    Delivering a financing solution that is secure, transparent, and free from interest-based elements.

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Criteria

Prospective Customer Requirements

  1. Legal Entity Status
    Must be a legal entity approved by the Minister responsible for Cooperative Affairs and registered with the relevant Cooperative Authority.
  2. Cooperative Type
    Must be one of the following:
    1. A Sharia Cooperative;
    2. A Cooperative with a Sharia business unit; or
    3. A Cooperative committed to establishing a Sharia Cooperative or a Sharia business unit.
  3. Minimum Years of Operation
    The cooperative must have been in operation for at least 4 years.
  4. Minimum Membership Size
    The Employee Cooperative (KOPKAR) must have at least 100 employee members.
  5. Positive Profitability
    Must have recorded positive Profit Before Tax (PBT) for the last two consecutive years.
  6. Accounts Receivable Management Experience
    Must have experience managing total Accounts Receivable (A/R) of at least IDR 400 million during the last three years.
  7. Experienced and Dedicated Personnel
    Must have dedicated and experienced personnel responsible for managing daily operations.
  8. Management Experience
    At least one member of the cooperative's Board of Directors, Supervisory Board, or Professional Management Team must have a minimum of 2 years of cooperative management experience.

General Requirements

No Jenis Dokumen

1

Financing Application Form signed by the prospective customer

2

KOPKAR Deed of Establishment and Latest Amendment Documents (Copy)

3

Copy of the Deed of Establishment Approval Letter issued by the Ministry of Cooperatives and the Ministry of Law and Human Rights

4

Copy of KOPKAR's Taxpayer Identification Number (NPWP)

5

Copy of KOPKAR's Business Identification Number (NIB)

6

Copy of KTP and NPWP of KOPKAR Board Members and Supervisors (as stipulated in the latest Articles of Association and Bylaws)

7

Copy of the Board of Management and Supervisory Committee Composition for the Last Three Terms, duly approved by the Cooperative Authority

8

Annual Members' Meeting (RAT) Reports/Minutes for at least the past two years

9

Organization Structure, Appointment Decree, or HR Certification Letter confirming that KOPKAR Board Members and Supervisors are positioned within four reporting levels below the Director in the parent company

10

Audited KOPKAR Financial Statements (last 2 years) and cooperative-specific disclosures with minimum capital of IDR 5 billion.

11

Copies of KOPKAR Bank Account Statements for the last three months, demonstrating receipt of funds from employee payroll deduction collections

12

Copies of request letters and detailed payroll deduction billing records submitted by KOPKAR to the Human Resources Department, covering a minimum period of the last three months

Further information about the product can be downloaded here.


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