Koperasi Simpan Pinjam
by Rudyanto Santoso https://linkedin.com/in/okky-permana-sihipo , okkype@gmail.com https://linkedin.com/in/okky-permana-sihipo
Odoo
$ 100.37
| Availability |
Odoo Online
Odoo.sh
On Premise
|
| Odoo Apps Dependencies |
•
Contacts (contacts)
• Invoicing (account) • Website (website) • Discuss (mail) |
| Lines of code | 5281 |
| Technical Name |
ksp |
| License | OPL-1 |
| Website | https://linkedin.com/in/okky-permana-sihipo |
| Versions | 18.0 19.0 |
| Availability |
Odoo Online
Odoo.sh
On Premise
|
| Odoo Apps Dependencies |
•
Contacts (contacts)
• Invoicing (account) • Website (website) • Discuss (mail) |
| Lines of code | 5281 |
| Technical Name |
ksp |
| License | OPL-1 |
| Website | https://linkedin.com/in/okky-permana-sihipo |
| Versions | 18.0 19.0 |
Koperasi Simpan Pinjam (KSP) Management System
Comprehensive Solution for Indonesian Cooperatives
Key Features:
- Interactive Dashboard: Real-time overview of Assets, Loans, and NPL.
- Complete Member Management: Track Nasabah, Limits, and History.
- Savings Management: Simpanan Pokok, Wajib, Manasuka (Time Deposits).
- Loan Management: Flat, Sliding, Annuity interest calculations.
- Automated SHU: Year-end dividend distribution based on participation.
- Member Portal: Self-service access for members.
- Integrated Accounting: Automated Journal Entries for all transactions.
User Manual & Examples
1. Dashboard Overview
Upon opening the app, the Dashboard provides a quick snapshot:
- Summary Cards: Total Members, Outstanding Loans, Total Deposits, and NPL Ratio.
- Charts: 6-Month Trend of Loans vs Deposits, and Loan Composition by Type.
- Recent Activity: Latest loan disbursements and deposit placements.
2. Savings (Simpanan) Transactions
Example 1: Simpanan Manasuka (Voluntary/Time Deposit)
- Go to Simpan > Simpanan Manasuka.
- Click New. Select Member (e.g., Nasabah A).
- Select Product: Simpanan Manasuka (e.g., 5% Interest).
- Enter Nominal:
Rp 10.000.000. - Confirm to post the deposit. The system creates a Journal Entry debiting Cash and crediting Simpanan Sukarela.
Example 2: Simpanan Wajib (Monthly Mandatory)
- Go to Simpan > Simpanan Wajib.
- Create a new record for Nasabah B.
- Enter Amount:
Rp 500.000. - Post transaction. This adds to the member's equity in the cooperative.
3. Loan Management (Pinjaman)
Example: Applying for a Loan
- Go to Pinjam > Transaksi Pinjam.
- Click New. Select Member: Nasabah A.
- Select Loan Type: Pinjaman Bulanan Flat.
- Enter Principal (Pokok):
Rp 12.000.000. - Set Duration (Tempo):
12 Months. Interest Rate:1.5%(Flat). - Click Generate Angsuran. The system calculates monthly installment:
- Pokok: Rp 1.000.000
- Bunga: Rp 180.000 (1.5% of 12M)
- Total Monthly: Rp 1.180.000
- Confirm (changes status to Pengajuan).
- Validate (Manager Approval).
- Cairkan (Disburse): Releases funds to member and books the receivable.
Example: Loan Repayment (Angsuran)
- Go to Pinjam > Pembayaran Angsuran.
- Create New. Select the Loan Reference.
- The system auto-fills the installment amount (e.g., Rp 1.180.000).
- Post payment. This reduces the outstanding principal and records interest income.
4. SHU Distribution (Sisa Hasil Usaha)
Example: Year-End Distribution
- Go to Keanggotaan > Pembagian SHU.
- Create New for Year
2024. - Enter Total SHU to distribute:
Rp 50.000.000. - Set Allocation Percentages (e.g., 40% Jasa Modal, 40% Jasa Usaha).
- Click Compute SHU. The system calculates each member's share based on:
- Jasa Modal: Proportional to their total savings (Pokok + Wajib).
- Jasa Usaha: Proportional to total loan interest they paid during the year.
- Confirm to book the SHU payable to members.
5. Member Portal
Members can log in to view their portfolio.
- My Account: View total savings and loan balance.
- Loans: See active loans, next due date, and repayment history.
- Print Card: Download Member ID Card directly from the portal.
Configuration & Setup
Initial Setup:
- Define Chart of Accounts for Deposits, Loans, and Income.
- Configure Journals (Bank, Cash, General).
- Set up Loan Types (Flat, Declining) and Deposit Types (Manasuka, Wajib).
- Configure Member Limits based on membership type.
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