Credit Union Indonesia

The following article offers a discussion of the concept of credit unions. The banks argue, correctly, that they have to pay taxes, so the playing field is not level, and it should be. The other argument on the banks’ side, although nowhere near as compelling as the tax issue, is that over the last two years, bank regulators have been beating up on banks to set aside more loan-loss reserves and strengthen their balance sheets.credit union

Joining a credit union is a great alternative to opening an account at a regular bank. The interest that is paid on the loans is fed back into this savings fund, and the profit generated by this interest benefits the various members of the credit union. Credit unions are different from banks.Unions are financial institutions where you as an owner of an account own a part of that union. Semakin bertumbuhnya Credit Union primer mendorong berdirinya Badan Koordinasi Koperasi Kredit Daerah Kalimantan Barat (BK3D Kalbar) pada tanggal 27 November 1988 dengan syarat minimal memiliki 5 buah Credit Union primer.

Sejak berdiri hingga tahun 1996, BK3D Kalbar terus melakukan pengenalan dan pengembangan Credit Union ke berbagai Kabupaten di Kalbar seperti Kabupaten Pontianak (dan Kabupaten Landak – hasil pemekaran), Kabupaten Sanggau (dan Kabupaten Sekadau – hasil pemekaran), Kabupaten Ketapang, Kabupaten Sintang ( dan Kabupaten Melawi – hasil pemekaran) dan Kabupaten Kapuas Hulu.credit union

Biro Konsultasi Koperasi Kredit (BK3) atau Credit Union Counselling Office (CUCO) menjadi Badan Koordinasi Koperasi Kredit Indonesia (BK3I) atau Credit Union Coordination of Indonesia (CUCO Indonesia) dan untuk daerah menjadi BK3D (Badan Koordinasi Koperasi Kredit Daerah).

Keberhasilan Heddesdorfer Credit Union terjadi karena menjalankan 3 prinsip utama; 1. Kemandirian (Swadaya), 2. Setiakawan (Solidaritas) dan 3. Penyadaran (Pendidikan) yang akhirnya menjadi prinsip dasar Credit Union yang berkembang keseluruh dunia.credit union