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ANNUAL BOARD ACCOUNTABILITY REPORT

KOSPIN JASA 2011


-------------------------------------------------------------------------------------------------Bismillahirrohmaanirrokhim
Assalamualaikum Wr.Wb.

INTRODUCTION
In 2011 years was a year filled by challenges that getting harder because of the strict competitions.
Competitions occurred from other financial institutions both banking institutions and financial non bank institutions.
Several of marketing way are influenced the community to join by them in using the service products
which covered by a variety of amenities are in promised.
The lower middle market segment that typically became operational land for non-bank financial
institutions now became target operational financial banking institution that causing aggressive
market competition.
KOSPIN JASA has been 38 years old facing the circumstance which remain vigilant coupled that
enhanced the guidance to the members and prospective members include the associate members
that have been the faithful basis of supporter and service.
Our gratitude to Allah Because of the mercies of ALLAH and the support from the members and
community and also the team work of the board, supervisor, advisor and the entire employees we
can pass-through the year of 2011 with a number of achievement and development.
The achievement that implied in the work plan in the form of income and cost budget in the year of
2011 has not been completely achieved but it is the booster to better in the future.
We were conveying the data of development and achievement in the year of 2011 briefly, as the
following table:
IMPLEMENTA

BUDGET

ACHIEVEMENT

IMPLEMENTA

DEVELOP

TION (2011)

(2011)

(2011)

TION (2010)

MENT

ASSET

2,408

2,481

97,5 %

1,778

35,43 %

DEPOSIT AND SAVING

1, 802

2,274

79,23 %

1,606

12,20 %

LOAN

1,769

1,955

90,49 %

1,439

20,04 %

OWN CAPITAL

364,679

185,533

196,56 %

117,573

201,17 %

*) in Millions IDR
KOSPIN JASA SYARIAH UNIT

Financial Report 2011

IMPLEMENTA

BUDGET

ACHIEVEMENT

IMPLEMENTA

DEVELOPMENT

TION (2011)

(2011)

(2011)

TION (2010)

ASSET

271,341

314,463

86,28 %

155,110

74,93 %

SAVE AND LOAN

258,306

298,033

86,67 %

144,977

78,17 %

FUNDING

300,589

306,000

98,23 %

166, 141

80,92 %

*) in Millions IDR

Facilities and Infrastructure:


Along the service increasing and comfortable are followed by the development of technology that
cannot be avoided then in 2011 has moved from the old office to the new office that is more
representative in conventional or Sharia unit with all of needed equipment and also open the new
service office on strategic places.
Those are the offices are being moved:
- Cirebon branch office
- Cepiring branch office
- Semarang branch office that is being moved to Mranggen
- Kedungwuni branch office
- Bookie cash office

Those are the new office:


- The branch office of Surabaya (Darmo)
- The cash office of Kalinyamatan (Jepara)
- The branch office of padalarang (Bandung)
- The branch office of Kemantran

While the opening of new offices then the amount of KOSPIN JASA are 92 units that consist of 75
conventional units and 17 sharia unit. The opening of new office include in work plan of the year
2011 and can be realized yet because of some constrained, those are finding the strategic location
and the licenses are in progress.

The Shari a mortgage unit had opened by Kospin JASA since on February in 2011 years as the real
manifestation of KOSPIN JASA to the SMEs of financial needed in a short time. The quite bright
future prospect is had by this services unit, so it will be needed in all KOSPIN JASA office.

Financial Report 2011

As a result of work that can be presented to the members in the form of save and loan service which
obtained from the division of leftover (SHU) in 2011 accordance to the divison of statue. The 11,43
saving service would be gotten by each member from primary saving, compulsory saving and 12,92
% from the rate that had been paid during 2011.

There were 61 members during in 2011 years who passed away among the members . He was Mr.
Marsidi, SH from Surakarta as the IV chairman in the board of KOSPIN JASA that passed away on
November 8th 2011 years.

The description about the development of KOSPIN JASA are more completed during in 2011 years .
The organizational aspect report; business aspect; financial aspect and capital would be presented
by us as the following description:

KOSPIN JASA
Together Building the Business

Financial Report 2011

Board Member &


Supervisory Board
Acountability Report
of the 2011

Financial Report 2011

CONTENTS

Details of the 38th Annual Members meeting Agenda 2011

The code of conduct in the 38th Annual members meeting 2011

Minutes of Annual 37th members meeting decission 2010

Board accountability report of the 2011

Management and Organizational Aspects

Business Aspect

Capital and Finance Aspect

Closing

Credit Union Program of KOSPIN JASA in 2012

Budgeting plan of revenue and expenditure in 2012

Balance of profit and loss KOSPIN JASA 2011

Balance of profit and loss KOSPIN JASA Sharia service 2011

Supervisor Report of Kospin Jasa 2011

Suggestions

Financial Report 2011

Details Assembly Agenda of the 38th


Annual Members meeting
Code of conduct in the 38th Annual
members meeting
Minutes Decission of the 37th Annual
members meeting
2011

Financial Report 2011

Details Agenda of the 38th Annual Members meeting


KOSPIN JASA 2011
Sub-Agenda of Annual Members meeting
1. Opening
2. Report / Speech from Chairman of KOSPIN JASA
3. Award certification for the exemplary member of KOSPIN JASA 2012
4. Greetings from the Authorities:
a. Mayor of Pekalongan
b. Governor of Central Java
c. Minister of SMEs and Cooperative
Continues with official opening ceremony of Annual member meeting
5. Supplication
6. Closing session (sub opening agenda - done)
Sub-Agenda Annual Members meeting (Assembly)
1. Opening by the chairman of the assembly
2. Confirmation of Minutes Decision 2010
3. Confirmation of code of conduct in the 38th annual members meeting of Kospin Jasa
4. Board Management report 2011
5. Board Supervisor report 2011
6. General Overview given by the members
7. Confirmation of Policy report 2011, Profit/loss Balance 2011, work agenda / annual budgeting
and planning of 2012 and monitoring report 2011
8. Closing

Financial Report 2011

Code of conduct in the annual members meeting 38th


KOSPIN JASA 2011
March 31st 2012
__________________________________________________________________________________

ARTICLE 1
NAME, PLACE AND PLACE OF EXCECUTION
a)
b)

This meeting is called the annual meeting of KOSPIN JASA 38th 2011 and abbreviated became
38th RAT JASA.
38th ANNUAL MEMBER MEETING OF KOSPIN JASA held on Saturday, March 31st 2012 in
Pekalongan.

ARTICLE 2
CHARACTERISTIC, BASIC AND GOAL
a)
b)
c)

The characteristic of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is closed for public and
the third party who have not concerned.
The basic of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is UU No. 25/ the year of 1992,
constitution and household budget of KOSPIN JASA.
The purpose of 38th RAT JASA:
1. Discuss, decide, and authorize board accountability report 2011, supervisor report 2011,
loss/profit balance sheet 2011, income budget plan and expenditure 2012 work program.
2. The other things that obtain the authorization from 38th ANNUAL MEMBER MEETING OF
KOSPIN JASA and to the improvement of KOSPIN JASA.

ARTICLE 3
EXECUTIVE COMITEE OF 38TH RAT JASA
a.

b.

c.

For the smooth execution of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is formed a
committee by the name of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA executive
committee.
The executive committees of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA who have
duty to prepare everything, execute the technical aspect of administrative and assist the
chairman of assembly until finish.
The boards of KOSPIN JASA are responsible in executive committee of 38th ANNUAL MEMBER
MEETING OF KOSPIN JASA .

Financial Report 2011

ARTICLE 4
PARTICIPANT, COMPANION, OBSERVER AND VISITOR MEETING
a.
b.

c.

The participant of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of:
The members of KOSPIN JASA include boards, supervisors and advisors.
The companion of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of:
Government/coach cq. SMEs and cooperative minister; cooperative department & SMEs
province; cooperative department & SMEs city.
The observer of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of:
-

The candidate members who obtain approval from the organizer to follow 38th RAT
JASA;

The person who came to ANNUAL MEMBER MEETING OF KOSPIN JASA on behalf of the
members;
The visitor of 38th ANNUAL MEMBER MEETING OF KOSPIN JASA consist of: The Invitation

d.

ARTICLE 5
RIGHT AND OBLIGATION OF PARTICIPANT, OBSERVER,
COMPANION AND VISITOR
a)

The participants had to have the right to speak, choose and be elected.

b)

The companions had to have the right to speak and follow the progress of all the assembly
actively, direct and guide the assembly orderly and smoothly and overall assembly.

c)

The observers had to the right to follow the progress of assembly and overall RAT execution
but do not have the right to speak, produce a sound, choose and be elected.

d)

The visitor had to have the limited right to follow and attend the opening assembly

e)

All of the parties who attended 38th ANNUAL MEMBER MEETING OF KOSPIN JASA assemblies
without exception, have the duty:
1.

Maintain the discipline the 38th ANNUAL MEMBER MEETING OF KOSPIN JASA
assemblies run smoothly and achieve the purpose;

2.

Sign the attendance list.

3.

Come 15 minutes before the assembly begins.

4.

Obey the applicable regulation and maintain the discipline in order to make the 38th
ANNUAL MEMBER MEETING OF KOSPIN JASA assembly run smoothly, orderly and
achieve the purpose.

Financial Report 2011

ARTICLE 6
ASSEMBLY
the 38th ANNUAL MEMBER MEETING OF KOSPIN JASA Assembly consist of:
a. OPENING ASSEMBLY
Guided by cq. Committee protocol
b. RAT ASSEMBLY
Lead by the chairman as the chairman of assembly
Assist by the general secretary as the assembly secretary
Both of them can be replaced by the other organizers who are elected.

ARTICLE 7
AGENDA
RAT OPENING
1. The opening by master of ceremony
2. Report/Speech from The Chairman of KOSPIN JASA
3. Give Award Certification for the Exemplary Member of KOSPIN JASA
4. The greetings from authorizes:
a. The mayor of Pekalongan
b. The Governor of Central Java
c. Minister of SMEs and Cooperative
Continues with Official Opening Ceremony of Annual Member Meeting
5. Supplication
6. Closing session ( sub agenda finished )
THE 38th ANNUAL MEMBERS MEETING
1.
Opening by the chairman of the assembly;
2.
Confirmation of minute decision in the annual members meeting 2010;
3.
Confirmation of code of conduct in the 38th annual members meeting assembly of KOSPIN
JASA;
4.

Board management report 2011;

5.

Board supervisor report 2011;

6.
7.

General Overview given by the members


Confirmation of policy board report 2011, profit/lost balance of leftover (SHU) 20011, and
work agenda/annual budgeting and planning 2012 and Supervisor report 2011;

8.

Closing

10

Financial Report 2011

ARTICLE 8
THE VALIDATION OF ASSEMBLY AND THE SPEAK RIGHT UTILIZATION
MANAGEMENT
a.

The 38th ANNUAL MEMBER MEETING OF KOSPIN JASA is valid when the requirements that
managing is completed by KOSPIN JASA chapter XII subsection 25th verse 1st at least 10 % of
registered membership or equal with the minimum 273 members.

b.

In any assemblies consist of the member right to speak, the agenda in limited time and the
strict schedule, it will be limited the spent time and many providing terms.

ARTICLE 9
RIGHT AND OBLIGATION OF ASSEMBLY CHAIRMAN
a)
b)

The chairman of assembly to manage and lead the assembly and also be responsible of
smoothly assembly.
The chairman of assembly authorize to take the needed measures/actions for the smoothness
of assembly include the right to limit, notice the deviate speaker and passed the given
deadline, etc.

ARTICLE 10
THE OTHERS
a)

The problems that arise in the assembly be solved by the basic of deliberation and consensus
according of Pancasila, the 1945 constitution and Indonesian cooperative family principle.

b)

The things are not regulated in the code of conduct and be needed will be further managed
based on the approval of the 38th RAT assembly.

Pekalongan, on March 31th 2012


The 38th annual members meeting
KOSPIN JASA
2011
BOARDS,

The chairman of assembly

H.A. ZAKY ARSLAIN DJUNAID

11

Financial Report 2011

The secretary of assembly

H. SACHRONI

2012
International
Year of

Cooperatives
Kospin Jasa Goes to

Worlds Level Cooperative

12

Financial Report 2011

The minutes of Annual Members meeting 37 th decision


KOSPIN JASA 2010
Date

: On Saturday, 26th March 2011

Time

: 10.30-13.45

Place

: HA Djunaid Convention Center

Agenda :
A. OPENING OF RAT
1.

Opening

2.

Report/Speech from The Chairman of KOSPIN JASA

3.

Award Certification for the Exemplary Member of KOSPIN JASA 2010

4.

Greeting form the Governor of Central Java

5.

Minister of SMEs and Cooperative Continues with Official Opening Ceremony of Annual
Member Meeting

6.

Supplication

7.

Closing

B. ANNUAL MEMBER MEETING AGENDA (ASSEMBLY)


1.

Opening by The Chairman of the assembly

2.

Confirmation of minute decision in the annual members meeting business 2009

3.

Confirmation of code of conduct in the annual members meeting assembly KOSPIN

JASA 37 th
4.

Board accountability report 2010

5.

Supervisor report 2010

6.

General Overview given by the members

7.

Confirmation of policy management report 2010, balance and leftover (SHU)


2009, and work agenda/annual budgeting and planning 2011 and Supervisor
report 2010

8.

Closing

13

Financial Report 2011

Attendance :
A. Official Guest
1.

Minister of SMEs and Cooperative;

2.

Governor of Central Java;

3.

Cooperative chairman department and SMEs of Central Java Province;

4.

Cooperative Department and SMEs of East Java Province;

5.

Cooperative Department of Bali Province;

6.

Mayor of Pekalongan;

7.

Regent of Pekalongan;

8.

Cooperative Department and SMEs of Pekalongan City, Pekalongan Regency, Pemalang


Regency and Semarang City;

9.

Syariah Supervisor Council

10.

Syariah Adviser Council

1.

11.Dekopin Central Java region

2.

12.Dekopin Pekalongan City area

B. Boards : 14 people of 14 boards


Supervisor : 3 people of 3 supervisors
Advisor : 5 people of 6 advisors (1 person Mr. tikno Tjandranegara permit)

C. Member : 1597 of 2920 people or 56,71 %, legal based on


After listen, pay attention and consider to the:
1.
Greeting from the Minister of SMEs and Cooperative
2.

Greeting from the Governor of Central Java

3.

Greeting from the mayor

4.

The Chairman of KOSPIN JASA report

5.

General overview given by the member

DECIDED
1.

Approve and legal the 37th RAT 2010;

2.
3.

Approve and legal the 36th decision news agenda 2009 on march 21st 2010;
Accept and validate:
a.

Board report and policy of the 2010

b.

Supervisor report of the 2010

c.

Profit/loss balance 2011 that has been audited by official public accountant Mr. Tahrir
Hidayat with financial report that being presented on December 31st 2010 and 2009,
countable of leftover business.

d.

The income, cost and work plan 2011.

14

Financial Report 2011

4.

Profit/lost and balance authorization 2010 by the meeting member meeting on march 26th
2011, give the entirely liberation responsibility to the board, supervisor and the execution of
KOSPIN JASA from their board management responsibility, management and supervision
that have been authorized in the as long as the actions reflected on profit/lost and balance;

5.

The hospital and Convention Hall H. A. Djunaid mansion management is implemented by the
boarding school of Al-Quran Buaran foundation and the outcome does not include to the
income of KOSPIN JASA but for subsidizing the cost of lodge / Students Dormitory;

6.

Approved the opening of KOSPIN JASA office in Makassar and Nangroe Aceh Darussalam;

7.

Approved the formation of education and training to be implemented immediately;

8.

Strive the KOSPIN JASA to be 300 of the world creative by the support from the members,
government and Dekopin;

9.

Board regeneration can be approved and implemented;

10.

The opening of KOSPIN JASA outlet office outside the large cities among other levels, at the
district in accordance to the direction from the Minister of SMEs and cooperative;

11.

The decision that sharia unit KOSPIN JASA be independent conventionally needs to be
further;

12.

The minister of SMEs and cooperative reference that KOSPIN JASA can open overseas service
office through the Embassy can be accepted and needs to be further.

Pekalongan, on March 26 th 2011

The chairman of assembly

H. A ZAKY ARSLAN DJUNAID

15

Financial Report 2011

the secretary of assembly

H. SACHRONI

Known and validated by,

Vice members,
(Danang Kusrin B)/ member No.3872 (Wonosobo branch)
(Mahdi Hidayatullah) member No.5249 (Warung buncit branch)
(Moh. Fariz Firdaus) / member No. 5127 (Warung Buncit branch)

Approved/known,
SMEs and cooperative boards
Of Central Java Province

Ir. SUDJARMANTO DWIATMOKO, M.Si


Coach level I
NIP. 19651204 199203 1 012

16

Financial Report 2011

BOARD ACCOUNTABILITY
REPORT
2011

17

Financial Report 2011

BOARD ACCOUNTABILITY REPORT


KOSPIN JASA 2011
-------------------------------------------------------------------------------------Bismillahirrohmaanirrokhim
Assalamualaikum Wr.Wb.

INTRODUCTION
In 2011 was a year filled by challenges that getting harder because of the strict competitions.
Competitions that arise from other financial institutions both banking institutions and non-bank
institutions.

Several of marketing way are influenced the community to join by them in using the service products
which covered by a variety of amenities are in promised.
The lower middle market segment that typically became operational land for non-bank financial
institutions now became target operational financial banking institution that causing aggressive
market competition.

KOSPIN JASA has been 38 years old facing the circumstance remain vigilant coupled with enhanced
the guidance to the members and prospective members include the associate members that have
been the faithful basis of supporter and service.
Our gratitude to Allah Because of the mercies of ALLAH and the support from the members and
community and also the team work of the board, supervisor, advisor and the entire employee we
can through 2011 with a number of achievement and development.
The achievement that implied in the work plan in the form of income and cost budget in 2011 has
not been completely achieved but it is a booster for a better achievement in the future.
We conveyed the data of development and achievement in 2011 briefly, as the following table:

ASSET
DEPOSIT AND
SAVING
LOAN
OWN CAPITAL

IMPLEMENTATION BUDGET ACHIEVEMENT IMPLEMENTATION


DEVELOPMENT
(2011)
(2011)
(2011)
(2010)
2,408
2,481
97,5 %
1,778
35,43 %
1, 802
2,274
79,23 %
1,606
12,20 %
1,769
364,679

*) in Millions IDR

18

Financial Report 2011

1,955
185,533

90,49 %
196,56 %

1,439
117,573

20,04 %
201,17 %

KOSPIN JASA SHARIA UNIT


IMPLEMENTATION

BUDGET

ACHIEVEMENT

REALIZATION

(2011)

(2011)

(2011)

(2010)

271,341
258,306
300,589

314,463
298,033
306,000

86,28 %
86,67 %
98,23 %

155,110
144,977
166, 141

ASSET
SAVE AND LOAN
FUNDING

DEVELOPMENT
74,93 %
78,17 %
80,92 %

*) in Millions IDR

Facilities and Infrastructure:


Along the service increasing and comfortable that followed by the development of technology that
cannot be avoided then in 2011 has moved from the old office to the new office that is more
representative in conventional or sharia unit with all of needed equipme nt and also open the new
service office on strategic places.
Those are the offices are being moved:

Cirebon branch office

Cepiring branch office

Semarang branch office that is being moved to Mranggen

Bright future prospect, so it will be needed in all KOSPIN JASA office. Kedungwuni branch
office

Bookie cash office

Those are the new office:

The branch office of Surabaya (Darmo)

The cash office Kalinyamatan (Jepara)

The branch office of Padalarang (Bandung)

The branch office of Kemantran

While the opening of new offices then the amount of KOSPIN JASA are 92 units that consist of 75
conventional units and 17 sharia unit. The opening of new office include in work plan 2011 and can
be realized yet because of some constrained, those are finding the strategic location and the licenses
are in progress.

Sharia mortgage unit had opened by KOSPIN JASA as the real manifestation of KOSPIN JASA since on
February in 2011 to the SMEs of financial needed in a short time. This service unit has quite .
As a result of work in 2011 that can be presented to the members in the form of save and loan
service which obtained from the division of SHU in 2011 accordance to the division of statue.The 11,
43 saving service would be gotten by each member from primary saving, compulsory saving and 12,
92 % from the rate that has been paid during 2011.
19

Financial Report 2011

We need to covey that during 2011 there were 61 members who passed away among the members
who have passed away was Mr. Marsidi, SH from Surakarta as the IV chairman in the board of
KOSPIN JASA that passed away on November 8th 2011.
The description about the development of KOSPIN JASA is more completed during 2011. The
organizational aspect report; business aspect; financial aspect and capital would be presented by us
as the following description:

I. MANAGEMENT AND ORGANIZATIONAL ASPECT


1. Membership
Membership was increase and decrease during 2011 because of some factor, those are
passed away, domicile and age that affect the existence to be a rein member. In the other
hand the new member recruitment that consist of young businessman and merchant
especially in new develop area. Beside that KOSPIN JASA still do the recruitment to the
special member accordance with provision 18 verse (2) law No.25 the year of 1992 and
provision 4 verse (2) statutes. The regulation implied on provision 15 household budgets.
Member list of KOSPIN JASA 2011:
In the end of 2010 the amount of members is 2.818 people
Decrease during 2011 is 130 people
Increase member during 2011 is 44 people
The amount of member In the end of 2011 is 2.732 people
But the amount of special member in the end of 2011 is 5.646 people
Until now the recruitment is still open, request through KOSPIN JASA growth. But we do
selection to maintain the members quality.

2. a. Boards
Board members cooperation and solidarity is maintained and work well. Young board
empowerment has been started in order to regeneration. Formerly the amount of boards is
14 people, because Mr. H. Marsidi, SH, now became 13 people. All of his duty as the
chairman IV now transferred to the other board so that we dont need the new board.

Board management structure period 2010-2014:

20

1. Chairman

: H.A Zaky arslain Djunaid

2. Vice chairman

: H. M Andi Arslan, SE

3. Chairman I

: Lukito Sindoro ( Liauw Yang Sin )

Financial Report 2011

4. Chairman II

: H. Teguh Suhardi , BA

5. Chairman III

: H. Marsidi, SH (alm)

6. Secretary

: H. Sachroni

7. Vice secretary

: H. A Alf Arslan, SE

8. Secretary I

: H. Ali Mukti, SH.M.Hum

9. Secretary II

: Kadafi Yahya

10.Treasure

: H. Taufik Karim

11.Vice treasure

: Budi Setiawan (Yap Yun Foe)

12.Treasure I

: H. Nadhirin Maskha

13.Treasure II

: H. Bidhowi

14.Treasure III

: Ir. Ong Umaryadi, MM

c. Supervisor
The cooperation among board and supervisor work well during 2011. Beside that in annual
plenum forum the supervisor also give suggestions that are considered important for KOSPIN
JASA improvement.
Supervisor structure period 2010-2014:
1. Supervisor coordinator

: H. Lutfi Tochfa

2. Vice supervisor coordinator

: Husen Sahab

3. Supervisor member

: Agung Wijaya

d. Advisor
For accomplished the policies that done by the supervisor during 2011 the existence of
advisor give the beneficial suggestion for KOSPIN JASA improvement.
Personnel advisor of KOSPIN JASA:
1.
2.
3.
4.
5.
6.

H. Mukmin Bakri, BSc


Tikno Tjandranegara (Thio Thek Djiang)
H. A Sakhrur
H. Mustafa Mulahela
DR. H. Moh. Ali Shahab, SE. MSi
H. Agus Anwar

e. Sharia Supervisory board


Sharia supervisory board has been involved with the boards well, so during 2011 operational
sharia service unit accordance with applicable rule.
In every visiting Sharia supervisory board
21

Financial Report 2011

These are the sharia supervisory boards:


1. KH. Moch. Akrom Shofwan
2. H. Abdul Aziz chudrowi
3. H. Abdul rosyad
Which is assisted by sharia advisoy board:
1. Prof. Dr, KH Ali Mustafa Yaqub, MA
2. Prof. Drs. H. M Nahar Nahrawi, SH, MM

3. Human resource
Along with the rapidly developmental business and improvement of technology that KOSPIN
JASA human resource circumstance is strived to keep it. In 2011, the employee recruitments
done to fill the gaps of full duty staff and resign employee, beside complete the formation
for the new office opening. Improving competence and knowledge of employee through the
training that held by KOSPIN JASA itself outside and inside of KOSPIN JASA.

The employees of KOSPIN JASA 2011 are:


In the end of 2010 amount of employees are 962 people, they are placed in conventional
office are 857 people and in sharia unit are 105 people. In the 2011, finished task and resign
employee are 49 people and increasing of employee are 131 people so that the total amount
are 1.044 people. So the amounts of employees who are placed in conventional KOSPIN JASA
are 899 people and in sharia KOSPIN JASA are 145 people.
Consider to the education background of employee. There are 579 people who are D3
(Diploma) until S2 (Post Graduate) and 465 people who are SD (elementary school) until
SLTA (high school) education background.
In framework of profession certificate program that became requirement for the chairman in
cooperative credit union and credit union unit by the minister SMEs and cooperative, so in
2011, 50 % of chairman division and branch chairman has been follow the training and
certification which competence bases and all of the employee passed.

22

Financial Report 2011

II. BUSINESS ASPECT


In the strive to anticipate business competition constraints among the same institution getting
harder and strict so in 2011 KOSPIN JASA strive to escalate the service by apply efficiency system as
strict as possible.

ATM product which has been running is upgraded to be ATM visa so that it can be used for member
transaction not only in this country but also in the other countries. ATM machine has been mounted
in some KOSPIN JASA branch offices to make the member and community easie r to do transaction
anytime.

Business unit which established by KOSPIN JASA in the form of incorporated company which KOSPIN
JASA have included in stocks of majority capital 2010 has been work well and produce profits.
PT. Jasa Investindo, PT. Media Jasa Grafika and PT. Jasa Sejahtera have given dividend contribution
from the profit which contribute to SHU KOSPIN JASA itself.

Similarly the prosperous expectation retirement are really beneficial for the employee in his old age
insurance.

Shari a mortgage unit cannot the result effectively because of the leftover ( SHU ) have not one year
yet so it still be detained to supply the operational capital.

III. FINANCIAL AND CAPITAL ASPECT


Financial and capital position for three years management period. All of KOSPIN JASA whether
conventional and sharia service unit show the meaningful development.
Asset development, own capital (equity), deposit and saving, loan/cost which is given saving and
loan service which gotten by the member, we present in a graphic:

1. ASSET DEVELOPMENT
A. CONVENTIONAL
YEAR
2009
2010
2011
*) in Millions IDR

23

REALIZATION
1.464.699
1.778.659
2.408.534

Financial Report 2011

BUDGET
1.560.854
1.761.401
2.481.818

ACHIEVEMENT
94 %
101 %
97 %

B. SHARIA SERVICE UNIT


YEAR
2009
2010
2011
*) in Millions IDR

REALIZATION
66.053
155.110
271.341

BUDGET
62.922
135.819
314.463

ACHIEVEMENT
104,97 %
114,20 %
86,28 %

2. OWN CAPITAL DEVELOPMENT


YEAR
2009
2010
2011
*) in Millions IDR

24

REALIZATION
86.725
117.573
364.679

Financial Report 2011

BUDGET
86.100
139.471
185.533

ACHIEVEMENT
101 %
84,30 %
196,56 %

3. DEPOSIT AND SAVING DEVELOPMENT


A. CONVENTIONAL
YEAR
2009
2010
2011
*) in Millions IDR

REALIZATION
1.344.852
1.606.860
1.802.478

BUDGET
1.468.044
1.600.593
2.274.974

ACHIEVEMENT
91,61 %
100,39 %
79,23 %

BUDGET
57.922
115.819
298.033

ACHIEVEMENT
101,28 %
125,17 %
86,67 %

B. SHARIA SERVICE UNIT


YEAR
2009
2010
2011
*) in Millions IDR
25

REALIZATION
58.668
144.977
258.306

Financial Report 2011

4. LOAN/COST DEVELOPMENT
A. CONVENTIONAL
YEAR
2009
2010
2011
*) in Millions IDR

26

REALIZATION
1.172.311
1.439.640
1.769.013

Financial Report 2011

BUDGET
1.425.857
1.438.329
2.028.177

ACHIEVEMENT
82,22 %
100,09 %
87,22 %

B. MURABAHAH AND MUSYARAKAH COST OF SHARIA SERVICE UNIT


YEAR
2009
2010
2011
*) in Millions IDR

REALIZATION
59.686
166.141
300.589

BUDGET
60.526
127.420
306.000

5. SAVING AND LOAN SERVICE


YEAR
2009
2010
2011
*) in Millions IDR

27

SAVING SERVICE
10,84 %
10,55 %
11,43 %

Financial Report 2011

LOAN SERVICE
21,91 %
15,08 %
12,92 %

ACHIEVEMENT
98,61 %
130,38 %
98,23 %

6. FINANCIAL AND BUSINESS RESULT DEVELOPMENT


The comparison of lost/ profit balance between 2010 and 2011 of KOSPIN JASA in conventional and
sharia service unit separately after audited by the public accountant. These are the accountant
opinion that we attach.

CLOSING
Thats all board accountability brief report in the 2nd year of 2010-2014 that can be presented. In
facing 2012, we do hope the actively participation from all the members, whether in the form of
service products, advice or critical in order to make KOSPIN JASA as world level cooperative.

Finally if there is any mistaken or the other unpleased things in giving the service to the members,
we do sorry about that.

Wabillahit Taufik Wal HIdayah


Wassalamualaikum Wr. Wb.

Pekalongan, December 31st 2011

THE CHAIRMAN OF KOSPIN JASA

H. A ZAKY ARSLAN DJUNAID

Secretary

H. Sachroni
28

vice secretary

H. A Alf Arslan, SE

Financial Report 2011

secretary I

H. Ali Mukti, SH,M.Hum

secretary I

Kadafi Yahya

TREASURE

VICE TREASURE

H. Taufik Karim

Budi Setiawan

Treasure I

Treasure II

H. Nadhirin Maskha

H. Baidhowi

29

Financial Report 2011

Treasure III

Ir. Ong Umaryadi, MM