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