TLM GMIT Foundation involves Regional Representative Board member in Training and Socialization of Village Law Number 6 Year 2016

By jerrybrand,

Increase The Capacity of Village Head in Managing Village Fund

In the last two years, Tanaoba Lais Manekat GMIT Foundation has been assisting and training village apparatus and community to increase their Village Law Number 6 Year 2014 implementation capacity and village fund management.

 TLM Foundation focuses more on village fund management where the amount of fund keep increasing every year and it can cause an opportunity for fraud to occur. The programs of TLM are village fund planning, implementation, supervision, one of them are BUMDES (Village-owned enterprise) forming.

 The program run by TLM to improve Village Apparatus and community’s capacity is training on Village Law Number 6 Year 2014 and forming FORKOMDES (Village Communication Forum) at Provincial and Regional level  as information sharing forum for village heads.

In Mei 2018, at the date of 2 to 9, TLM Foundation conducted training on village fund management and Village-owned enterprise (BUMDES) forming in 2 regencies, they are TTS; in 4 sub-districts (Central Amanuban, Central Molo, Batu Putih and South Amanuban), and Rote Ndao Regency in 3 sub-districts (Lobalain, Central rote and Southwest Rote). In this meeting, TLM Foundation involved member of Regional Representative Board, Abraham Paul Liyanto as the spokesman. Abraham Paul Liyanto is one of Senators and Politicians of East Nusa Tenggara who has been elected twice by NTT people as their representative for Republic of Indonesia Regional Representative Board.

As one of Regional Representative Board members, he regrets that fraud in managing village fund frequently occurs. It happens not just by the will of village head to steal people’s money, but because of the low quality of Human Resources that village apparatus have about implementation of Village Law Number6 Year 2014 so the management of great village fund is not effective and efficient.

“from about 72.000 villages in Indonesia, 900 villages head are now in jail. This happened because they managed the fund that keeps increasing every year in wrong way. So if you ladies and gentlemen do not have enough knowledge, there is a chance you will end up like them.”Said Paul Liyanto.

Furthermore, Senator who familiarly greeted as Pak Abraham ini, in his capacity as “Ketua Pembina/Governing Board Chief” of TLM Foundation, persuaded all village heads and apparatus who were present in every meeting to support TLM Foundation current work program as a foundation’s concern for village government and community that are willing to learn to achieve their purpose that is the improvement of community’s welfare.

Abaraham Paul Liyanto also took time to visit some villages, met with village people and discussed and listened to their aspiration. Those village are TLM Foundation Assisted Village; Eno Nabuasa and Kiubaat in TTS, Maubesi,Lidamanu and Kolobolon in Rote Ndao. Those villages has been assisting by TLM Foundation with some community empowerment programs like Productive Garden, Water Project with hydram technology, Post-harvest food processing, and Home Industry.

Swengly Pello, Central Rote Sub-district Head, in his welcoming speech expressed his gratitude to TLM for contributing assistance in helping government, especially in his region.

“Training provided by TLM is a care that needs to be appreciated and thanked. It is really helpful for sub-district government, especially our area, Central Rote. It is not just productive garden we are taught but we are also trained about the application of Village Information System (SID), Village Finance System (SISKEUDES), Village Law, home industry, and sanitation where those program suit our programs.” Said The Sub-district head.

Kegiatan Yayasan TLM di fokuskan di dua desa yaitu Desa Maubesi dan Desa Lidamanu dengan program; Kebun Produktif, Pelatihan Undang-undang desa No.6 Tahun 2014, Pelatihan home industry dan bantuan fisik pembuatan irigasi dengan menggunakan teknology hydram.

TLM Foundation work focuses on two villages that are Maubesi and Lidamanu with program applied are; Productive Garden, Village Law Number 6 Year 2014 training, Home Industry, and physical assistance of irrigation establishment using hydram technology.

Furthermore, Pello hopes that TLM Foundation work programs, especially home industry, post-harvest food processing and sanitation are not only implied in village but also in sub-district area by involving all stakeholders like PKK (Welfare of Family Empowerment) and sanitation team can reach more people.

TLM-GMIT Saving and Loan Cooperative, First National Primary Cooperative in NTT

By jerrybrand,
  • Serving more than 60000 females without discrimination
  • A home for Members and Staff

Tanaoba Lais Manekat GMIT Saving and Loan Cooperative (KSP TLM-GMIT) is one of unit business initiated by TLM GMIT Foundation under Synod of GMIT, work and serve society to improve society’s and congregation’s economy by giving business modal loan for small enterprise so they can escape poverty.

After a while, KSP TLM successfully changed their status from Provincial Primary Cooperative to First National Primary Cooperative in East Nusa Tenggara.  KSP TLM which previously was KSU (multi-business cooperative), was established by TLM Foundation in 2010 as a media of community economy empowerment in a small scale. In 2013, its article of association was changed to KSP that is located in Ahmad Yani Street No, 43, Oeba, Sub-district of Kelapa Lima, Municipal of Kupang, East Nusa Tenggara with Minister of Cooperative, small and medium enterprise’s ratification deed number 176/PAD/M.KUKM.2/XI/2013 and Saving and Loan Business License number 230/SSI/Dep.1/XII/2013.

Since the last three years, KSP TLM has been experiencing a significant growth it spread its wings by expanding service area and opening new branches in Palu, Central Sulawesi and Buleleng, Bali to reach small society. In 2018, KSP TLM plans to open new branch office in Sumbawa, West Nusa Tenggara. While in NTT province, KSP TLM has successfully opened 30 branches in Timor, Flores, Rote, Sabu and Alor Island, under the leadership of Management board who are Zesly N.W Pah as Executive Manager, Elvys Datty as General and Personal  Manager, Gratia Djami Yusuf as Operational Manager, and Ellen E. Loa as Finance Manager. Currently, KSP TLM has successfully hired 450 employees of central and branch offices.

During her bustle to prepare KSP TLM Annual Meeting on this coming Mei, Operation Manager, Gratia Djami-Yusuf explained that the service expansion is implemented to run the vision and mission of institution to serve and empower poor people, micro entrepreneurs in Indonesia to improve their welfare, especially for women.


Gratia Djami Yusuf who familiarly greeted as Ibu Grace said that KSP TLM through its well-managed management is open to learn new things and to keep innovating in order to adapt with market development. Since 2015, KSP has set a top program in serving business capital loan called SeSaMa (perSEkutuan uSAha bersaMA/literally translated as Joint Business Fellowship).

“this is a group loan program, could consists of 5 to 30 women. We serve women without discrimination of religion, ethnic and race. Total loan will be given according to business needs that run by group members. It starts from 2 million to 11,5 million. the installment is weekly installment for 47 weeks, so they have six days to develop their business,” explained Grace.

Furthermore, Grace also stated that the purpose of this program is to provide long term loan business capital for members who are business women, to exchange information about business and solution, to help each other to improving unity and comradeship of group and to have chance to learn about organization, leadership, and socialization of business women.

Until the end of March 2018, KSP TLM successfully served no less than 60.111 loan member through SeSaMa with 0% arrear.  While saving members reached 119.804 people with total saving Rp. 13.868 Billion. At the end of the March 2018, KSP TLM obtained Rp. 118.5 billion asset.

“Aside from SeSaMa group loan, we also serve saving, whether it is future saving (Deposit) or general saving in all branch offices. It has many purposes. For public, we provide business, education and many others loan depends on the need of clients. General saving service is done in SeSaMa weekly meeting while future saving can be done in branch offices. Our interest rate is higher than market interest without discounted administrative cost, and it is beneficial for the clients.” Said Grace.

One of KSP TLM Branch Head who placed in Baun Branch, Marten Petrus Sanam in his office at Jl.H.R Koroh, Sikumana, last week said that his enthusiasm in managing and developing branch entrusted to him grows when he achieves the target and it is also based on motivation to serve sincerely. He believes it all will bring welfare for staff and members.

“Our service is wide enough, so what I can do is to keep encouraging them to do socialization, be quick in serving loan submission, add member, serve friendly and full of love and also to visit members who already finished their repayment to do top up.” Said Marten.

During his leadership as a branch head, Marten, a father of two children show his gratitude to be a part of KSP TLM. He has chance to develop himself, serve many people, lead and managing branch with a huge responsibility, but he does everything wholeheartedly, it brings blessing for his family. He hopes that KSP TLM will keep improving with its SeSaMa program, so there will be more people to served and become prosperous, so TLM can be a home for staff and society where the members can achieve their welfare.

One of SeSaMa member of Baun Branch, Welmince Humau-Amnesi, who is a leader SeSaMa SADAR FATUN, was interviewed after SeSaMa meeting in Fatun, Naioni, Kupang district expressed her gratitude to God because through this program she can develop her business and finally be able to buy a motorbike, build a house, and send her kids to school. Aside from that, she has become a blessing for her neighbors.

“My business is selling vegetables in Naikoten Market. Previously, I only stayed at home until harvest time. But after a meeting with Ibu Selvy (Selvy Missa, KSP TLM staff), she persuaded me to find a friend and form a group so I can get capital loan. In the beginning, our group only consisted of 5 members. It was 2015, finally I could get business capital and I have been selling vegetables since then. Praise The Lord, in my third loan, I could buy a motorbike. Now I am in my fourth loan and I can build my permanent house. Two of my children can go to school. Previously, other two of my kids should dropout from Primary School and Junior High because I was not able to pay for their school. My neighbors can see the result from my experiences now we have more members. We were 5 and now we are 20. Thank you so much TLM” told Welmince

 

The Assistance of TLM-GMIT Foundation in Assisting People With Disability In Kupang City

By jerrybrand,
  • Identifying Skills & Interests of PWD
  • Providing PWD training through Internship

Tanaoba Lais Manekat Foundation, YTLM GMIT, is a community development and empowerment institution ensconced under GMIT Synod, work and serve society in several aspects such as enhancement of congregation’s economy, education,  training and other social activities to increase congregation and society’s welfare to escape from poverty.

One of the top programs YTLM is PWD (People with Disability) Assistance. This program is created as a form of support from TLM Foundation for people with disability in Kupang and surrounding areas because TLM Foundation notices that no related organization or institution that is intensively concerned about PWD before.

There is no adequate access or facility for PWD to run their activity the way general public do and they often get ostracized by society and they do not have same opportunity in working with non disabled people and often times being pitied.

Noticing this issue, TLM Foundation as a society empowerment institution feel like they called into social community to change the paradigm about PWD by empowering and giving them chance to develop themselves just like other general public.

Since 2014, TLM Foundation placed Christin Malle, one of transformation and training division staffs to find, collect PWS in Kupang and give them training through workshop and FGD (Focused Group Discussion). By the workshop ad FGD, Christin Malle and team successfully gathered 104 PWD.  The team then gave the PWD motivational materials and identified their interest and skill.

 “We picked them up and gathered them in TLM every 3 month (4 times in a year), we trained them with motivational materials through workshop and FGD like Confidence, Mutual Respect in social life, work and independency, business management/financial management. After that, we grouped them according to their interest and talent and give them opportunity of internship. Until now, TLM Foundation has successfully served 47 PWD who received In Kind Aid (equipment and material), 36 PWD has received access of business capital modal with 0,5%  of interest per month, 1 PWD has interest in sewing, 38 PWD are interested in crafting, 3 PWD are jewelry craftsmen, 10 PWD have interest in business management, 3 PWD have enthusiasm in graphic design and 8 are interested in English. In fact, they can learn so fast” explained Christine.

Furthermore, Christine explained that the PWD is trained for 2-3 internship program and if they are assessed as quite good to start a business, TLM Foundation with its In Kind program (equipment and material support) as appurtenance to establish their business independently. Aside from that, TLM Foundation also gives them business capital loan access. All of these things are inclusion in serving society generally for equalization, especially for PWD without any distinction of their social status.

Cheerful Smile of FGD Participant after receiving Motivation and Confidence Material

Christin hopes that with this PWD assistance, PWD can take this opportunity, cooperate with TLM to develop their, be confidence and to start a business independently, to have decent life so they can change the paradigm in of society about PWD.

During the PWD assistance in Kupang, Christin explained that there as some issues faced by PWD, especially visually impaired people who usually work as door to door massage therapist or peddlers. It is so sad that the income is imbalance with transport fee that they spend to get to costumers’ house.

“They earn about Rp. 50.000 to Rp 75.000 for each costumer, while their expense for transportation is Rp 60.000, depend on the distance. Other than that, they have to travel around everyday for selling their products,” Added Christin.

Looking at the above issue, TLM Foundation is planning to establish an organization as People With Disability’s Activity Center, like Rumah Sehat (Healthy Home) for traditional massage parlor and products display for craft they produce. One of PWD who is a member of TLM FGD group, Margarita Poke, admits that she is so happy to join TLM, she get motivation, she can share her experience with other PWD and she get enough training and business capital so she can have her own business now  “I run cake and cookies business but I did not have enough capital so I could not produce them massively. Praise the Lord, after joining TLM, I received loan to buy ingredients. Now I can produce much more than before”. Said Margarita.

TLM Rural Bank Movement in working and Serving the Society

By jerrybrand,
  • Attains IDR 215 Billion Asset
  • The best National Rural Bank

Tanaoba Lais Manekat GMIT Rural Bank is a business unit established and developed by TLM-GMIT Foundation to serve clients’ need of small and medium enteIDRrise capital loan to increase congregation and society’s welfare.

BPR TLM has been established by TLM Foundation since 1 February 2008, as a media of congregation’s economy empowerment. It is located in Ahmad Yani Street No. 43, Oeba village, Kelapa Lima sub-district, Municipal of Kupang, Province of East Nusa Tenggara. It has 1 branch office in Baubau, Kupang Regency and 1 cashier office in Naikoten, Kupang Municipal.

Executive director of TLM Bank, Robert Fanggidae, through its secretary explained that in its development, the bank has undergone significant growth, especially asset growth. By 31 December 2017, the bank has successfully achieved IDR. 215 Billion, while total of disbursed credit is IDR 189 Billion, saving is IDR 53 billion, Deposit is IDR 136 billion, capital deposit is IDR 12 billion, profit is 4.9 billion, NPL is 2,38% with total client 12,458 people. This number will keep increasing.

Robert who familiarly called Pak Bobi said that TLM Rural Bank since its establishment until now has been implementing a good management and service, so since year of 2011 to 2017, it is successfully predicated as of one of the best National Rural Bank for seven times in a row  with “VERY GOOD” from INFO BANK  magazine. This achievement need to be appreciated to make it as a motivation for TLM Rural Bank Management in serving society.

To maintain the achievement, TLM Rural Bank keeps working on improvement and innovation to improve service, to adjust with market competition that gets higher over time. For that matter, TLM Rural Bank plans to be more enterprising in enhancing its credit quality, adding deposit capital and improving human resources quality. “We are doing all of these because transformation is a must, not a choice. The enhancement of human resources quality is a priority”. Said Robert.

TLM Rural Bank has created work field for 84 staff who work every business hour serving the society. They are recruited from various education backgrounds and then being well trained about their job desk to make them professional in serving congregation and society. This is one of institution contribution in providing employment that can decrease unemployment rate in Province of NTT

While about credit improvement provided, what has been running becomes TLM Bank success indicator in general. TLM Rural Bank works hard, scrutinizes market opportunity, and innovates in designing its products such suppress loan interest to 0,83% flat per month, raise interest rate of future saving/deposit to 8,75 so it can compete in society.

TLM Bank Credit Director, Yeremia Nappoe in a meeting in his room explained that for this month (March), TLM Bank give promo of consumptive loan for civil servants, they have opportunity to access the loan with simple requirements and fast process.

“We give them competitive interest (0,83% per month) with a fast process, maximal 1 day for disbursement. They just  need to complete administrative requirements, civil servant decree letter as warranty, while  private company employees have to provide additional warranty like land certificate or BPKB (certificate of vehicles ownership). We can take over clients’ loan for those who already have loan in other microfinance company if they could fulfill the requirements. Loan time period starts from 5 to 20 years; depend of their remaining work time as civil servants.” Explained Yerry.

Futhermore, Yerry stated that everyone can be TLM Bank client, whether saving or loan client as long as they can fulfill applicable terms and conditions. This is a chance; it depends on whoever wants to take it.

“Aside from to uplift TLM BANK quality service to the society the puIDRose of this consumptive credit offering for society is to stimulate weary market share in this early year to increase our credit and debit growth” He said.

As one of TLM Rural Bank leaders, Yerry hopes that in the future, they can succeed TLM Banks as a bank that more advanced and have better quality in serving, especially the quality of human resources, strong management and better credit quality with all TLM stakeholders.

TLM-GMIT Foundation and All Village Heads of East Amarasi Sub-district

By jerrybrand,

Training on how to make (Competency Village Regulation)

In Amarasi sub-district office, TLM Foundation with its Transformation division conducted socialization and training on village authority according to Village Law Number 6, Year 2014 for village heads, BPD (Village Deliberation Agency), village experts and village counselors of Amarasi sub-districts, Kupang Regency, they are 8 villages with 18 participants that participated in the training.

Training took place in 6 March 2018, consists of 3 sessions, they are; material presentation, discussion and practice of making PerDes (village regulation) guided by TLM foundation trainers. The training is the follow up of FORKOMDES Regency level implemented in Kupang Regency in November of 2017 with FORKOMDES members in Kupang Regency as targets. ”we started with Amarasi sub-district, from West Amarasi to East Amarasi this week with a purpose that village heads, BPD, village officials and village community to have awareness of their power so they can have initiative start arrange and determine PerDes Kewenangan Desa (Competency Village Regulation)”, explain Freand Teddy Neno, the main spokesperson in the training.

Rozali Hussein, CEO of YTLM also attended the opening of the training, stated that this activity comes from desire of the heart to serve those who work for village government. “village development is the authority of village according to President Jokowi’s mandate that slogan “building village” has changed into “village that builds”, for that reason, village has to have enough knowledge to fulfill the slogan”. Rozali added, “to improve the economy welfare of village community, village has to try to increase its income through BUMDES development,” explained Rozali in his welcome speech.

In that opportunity, Sub-district head of Amarasi, Alexander O. Matte expressed his gratitude to YTLM which has contributed in helping government, especially village government in Amarasi sub-district area. The obstacles they have been facing for all this time is the lack of knowledge of village heads and village apparatus on village law causes desynchronized in implementing law and other authorities among village heads and regional government.

“The training conducted by TLM is not incidental, it is the plan of God. We need to be thankful and supportive. This is really great and helpful for sub-district government, particularly village government. We hope that this training is the beginning introduction and an entrance, not an exit, so in the future we will still have a good cooperation and regular communication with TLM to help us”, said Alexander.

in the sideline of the training, one of participants, Nelson F. Boemau, village head of Oesena said that he is so happy and appreciates the training because it is really usefyl for them as the leaders of village community. “ we are of course so glad with this kind of training because it wakes our awareness of our rights and power as the leader in village in contriving PerDes Kewenangan, our human resource has not been maximized yet and it causes the lack of understanding on what we need to do. So with this training, we can cooperate well with village apparatus, BPD and sub-village official to implement applicable mandate of law.”

Similar training will also be conducted in East Amarasi sub-district on  8 March  2018 and will be ended in West Amarasi sub-district on 9 March 2018. Total of village that involved in the training for one week is 19 of 3 sub-districts that invited by YTLM. YTLM with the village heads is planning to conduct a follow up activity in upcoming May with BUMDES determination.

YTLM-GMIT has conducted training and mentoring on Village Law Number 6 implementation in 4 regencies of NTT, they are Rote Ndao, TTS (South Central Timor), East Sumba and Kupang since Mei 2017. This is a contribution of YTLM as a Non Governmental Organization to government and NTT community in improving the welfare started from village.