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


28 Prospective Employees of TLM GMIT Savings and Loan Cooperative are prepared with Child Protection Material

By jerrybrand,

28 prospective employees of TLM GMIT Saving and Loan Cooperative joined early training to become Account Officer (AO). They will be placing in KSP TLM branch offices that located in NTT, NTB and Central Sulawesi (Palu).

The participants in the training were recruited by Human Recourses Division of KSP TLM GMIT. The recruitment had been opened for young people in NTT since early January 2018 through some selection stages.

The recruitment will continue every business. The purpose of the recruitment is not just to fulfill institution need of staff but as a contribution from TLM GMIT in decreasing the amount of unemployment in NTT.  Until January 2018, total staffs of KSP TLM are 438 people and it will keep increasing.

Training section head, Jusuf Adoe, as main trainer of the training said that the training will last for 7 days, from 30 January to 08 February 2018. During the training, the participants were provided with some important materials such Introduction to Institution (TLM Group), Rules and Code of Conduct, Loan Manual of SeSaMa, and Future Saving Manual (Deposit). This training ended with a writing test. Whoever passes the test will be placed in branches to follow field training before starting contract period.

Jusuf explained that KSP TLM coordinates with TLM Foundation to give training related to Child Protection for the prospective. This is also a contribution from TLM to prevent and reduce child abuse that lately has been happening rampantly.

Shanty Penlaana Kock, one of the spokes person of the training stated that TLM is a social economy institution that have good partnership with foreign donors, is obligated to integrate each of its work program with donors’. One of the programs is children protection.

“the idea came from Uniting World. TLM cooperate with sponsor institutions that necessitate TLM as their partner to participate in child protection campaign. And I feel that it is really important for TLM staff because they meet and socialize with society, including children in field every day. So, by providing them adequate knowledge of child protection regulation, they will practice it in the field by themselves. Aside from that, we really hope that staff who already got the training will never practice child abuse whether in their work or in their daily life,” said Shanty.  

One of the prospective staff, Efraim Kadja Pau said that he is so happy with the training because they are prepared with some beneficial materials, not just work manual but also social material so they will be more ready to socialize with society.

“of course we are so happy with this training because we are taught how to protect children’s rights, to keep them away from many types of abuse, whether it is physical or physiological so they can freely play and study to grow as good nation’s next generation. So as a good staff, this material is a good provision for us to serve the public and also to protect ourselves and avoid child abuse in society,” said Efraim.  

Children Protection Training has been conducting since 2013. This training is for all KSP TLM and TLM foundation staff, whether old or new staff with a hope that whoever works in TLM can be the agent of children protection in public, started from their own family to help reducing child abuse that often occurs among society.