Berita

Memiliki kepedulian tinggi terhadap kemanusiaan dan
memberi perhatian menyeluruh terhadap kepuasan
anggota adalah ciri koperasi kami.

15 October 2018

Program Dana Mitra 10 tahun

Pilihan Tepat Pilih KOPELINDO 3 
Dari Anggota Untuk Anggota



Kelebihan Pinjaman KOPELINDO3 !!!
  1. Mendapatkan SHU dan Pengembalian jasa
  2.  Tanpa survey tempat tinggal atau keluarga
  3.  Persyaratan Administrasi lebih mudah
  4.  Pendanaan dari bank syariah
  5.  Tidak perlu hadir untuk akad / realisasi

Syarat dan Ketentuan :

  • Telah terdaftar sebagai Anggota Koperasi Pegawai Pelabuhan Indonesia III
  • Surat Permohonan Pembiayaan Mitra KaryaAnggota
  • Fotokopi KTP rangkap 3 (tiga)
  • Surat Pernyataan dari Pemohon Pembiayaan
  • Surat Pernyataan Kesanggupan Bendaharawan Untuk Memotong penghasilan
  • Surat Persetujuan Pimpinan
  • Slip Gaji terakhir
  • Fotocopy rekening tabungan
  • Mengisi formulir Surat Permohonan Asuransi Jiwa
  • Besaran Pembiayaan yang dapat disetujui di dasarkan kemampuan angsuran masing-masing anggota perbulan dan ketentuan batasan minimum penghasilan yang dibawa pulang (THP) pada masing-masing unit / perusahaan.
  • Biaya yang dikenakan sekali pada saat penarikan :

o Biaya administrasi sebesar 0.5% dari jumlah pembiayaan.
o Biaya asuransi sesuai tabel terlampir.


Tabel Angsuran Pembiayaan Lain
No  Jumlah Pembiayaan   Jumlah Angsuran 
 Tahun 
 1   2   3   4   5  6 7 8 9 10
5.54% 5.54% 5.78% 5.89% 6.15% 6.35% 6.89% 7.33% 7.79% 8.26%
    10.09% 10.30% 10.70% 10.79% 11.10% 11.29% 11.99% 12.50% 13.00% 13.48%
1                     10,000,000 879,578 462,835 325,968 257,417 217,923 191,809 176,466 165,260 157,513 152,167
2                     15,000,000 1,319,366 694,253 488,952 386,126 326,885 287,713 264,699 247,891 236,269 228,251
3                     20,000,000 1,759,155 925,670 651,937 514,834 435,847 383,618 352,932 330,521 315,026 304,334
4                     25,000,000 2,198,944 1,157,088 814,921 643,543 544,808 479,522 441,165 413,151 393,782 380,418
5                     30,000,000 2,638,733 1,388,505 977,905 772,252 653,770 575,427 529,398 495,781 472,539 456,501
6                     35,000,000 3,078,521 1,619,923 1,140,889 900,960 762,731 671,331 617,630 578,411 551,295 532,585
7                     45,000,000 3,958,099 2,082,758 1,466,857 1,158,377 980,655 863,140 794,096 743,672 708,808 684,752
8                     40,000,000 3,518,310 1,851,341 1,303,873 1,029,669 871,693 767,235 705,863 661,041 630,052 608,668
9                     50,000,000 4,397,888 2,314,176 1,629,842 1,287,086 1,089,616 959,044 882,329 826,302 787,564 760,836
10                     55,000,000 4,837,676 2,545,593 1,792,826 1,415,795 1,198,578 1,054,949 970,562 908,932 866,321 836,919
11                     60,000,000 5,277,465 2,777,011 1,955,810 1,544,503 1,307,540 1,150,853 1,058,795 991,562 945,077 913,003
12                     65,000,000 5,717,254 3,008,428 2,118,794 1,673,212 1,416,501 1,246,758 1,147,028 1,074,192 1,023,834 989,086
13                     70,000,000 6,157,043 3,239,846 2,281,778 1,801,920 1,525,463 1,342,662 1,235,261 1,156,823 1,102,590 1,065,170
14                     75,000,000 6,596,831 3,471,264 2,444,762 1,930,629 1,634,425 1,438,567 1,323,494 1,239,453 1,181,347 1,141,253
15                     80,000,000 7,036,620 3,702,681 2,607,746 2,059,338 1,743,386 1,534,471 1,411,727 1,322,083 1,260,103 1,217,337
16                     85,000,000 7,476,409 3,934,099 2,770,731 2,188,046 1,852,348 1,630,375 1,499,960 1,404,713 1,338,860 1,293,420
17                     90,000,000 7,916,198 4,165,516 2,933,715 2,316,755 1,961,309 1,726,280 1,588,193 1,487,343 1,417,616 1,369,504
18                     95,000,000 8,355,986 4,396,934 3,096,699 2,445,463 2,070,271 1,822,184 1,676,425 1,569,973 1,496,372 1,445,587
19                   100,000,000 8,795,775 4,628,351 3,259,683 2,574,172 2,179,233 1,918,089 1,764,658 1,652,604 1,575,129 1,521,671
20                   125,000,000 10,994,719 5,785,439 4,074,604 3,217,715 2,724,041 2,397,611 2,205,823 2,065,755 1,968,911 1,902,089
21                   150,000,000 13,193,663 6,942,527 4,889,525 3,861,258 3,268,849 2,877,133 2,646,988 2,478,906 2,362,693 2,282,507
22                   175,000,000 15,392,606 8,099,615 5,704,445 4,504,801 3,813,657 3,356,655 3,088,152 2,892,056 2,756,476 2,662,924
23                   200,000,000 17,591,550 9,256,703 6,519,366 5,148,344 4,358,465 3,836,177 3,529,317 3,305,207 3,150,258 3,043,342
24                   250,000,000 21,989,438 11,570,878 8,149,208 6,435,430 5,448,082 4,795,222 4,411,646 4,131,509 3,937,822 3,804,178
25                   300,000,000 26,387,325 13,885,054 9,779,049 7,722,516 6,537,698 5,754,266 5,293,975 4,957,811 4,725,387 4,565,013
26                   350,000,000 30,785,213 16,199,230 11,408,891 9,009,602 7,627,315 6,713,310 6,176,304 5,784,113 5,512,951 5,325,849
27                   400,000,000 35,183,100 18,513,405 13,038,732 10,296,688 8,716,931 7,672,355 7,058,633 6,610,415 6,300,515 6,086,684
28                   450,000,000 39,580,988 20,827,581 14,668,574 11,583,774 9,806,547 8,631,399 7,940,963 7,436,717 7,088,080 6,847,520
29                   500,000,000 43,978,875 23,141,757 16,298,415 12,870,860 10,896,164 9,590,443 8,823,292 8,263,018 7,875,644 7,608,355

Tabel Angsuran KOPELINDO 3
No  Jumlah Pembiayaan   Jumlah Angsuran 
 Tahun      
 1   2   3   4   5  6 7 8 9 10
8.31% 8.18% 8.27% 8.40% 8.55% 9.03% 9.21% 9.38% 9.56% 9.73%
    15.00% 15.00% 15.00% 15.00% 15.00% 15.50% 15.50% 15.50% 15.50% 15.50%
1            10,000,000 902,583 484,866 346,653 278,307 237,899 214,175 195,783 182,359 172,235 164,411
2            15,000,000 1,353,875 727,300 519,980 417,461 356,849 321,262 293,675 273,539 258,353 246,616
3            20,000,000 1,805,166 969,733 693,307 556,615 475,799 428,350 391,567 364,718 344,471 328,821
4            25,000,000 2,256,458 1,212,166 866,633 695,769 594,748 535,437 489,459 455,898 430,588 411,026
5            30,000,000 2,707,749 1,454,599 1,039,960 834,922 713,698 642,525 587,350 547,078 516,706 493,232
6            35,000,000 3,159,041 1,697,033 1,213,286 974,076 832,648 749,612 685,242 638,257 602,823 575,437
7            45,000,000 4,061,624 2,181,899 1,559,940 1,252,384 1,070,547 963,787 881,026 820,617 775,059 739,847
8            40,000,000 3,610,332 1,939,466 1,386,613 1,113,230 951,597 856,700 783,134 729,437 688,941 657,642
9            50,000,000 4,512,916 2,424,332 1,733,266 1,391,537 1,189,497 1,070,874 978,917 911,796 861,176 822,053
10            55,000,000 4,964,207 2,666,766 1,906,593 1,530,691 1,308,446 1,177,962 1,076,809 1,002,976 947,294 904,258
11            60,000,000 5,415,499 2,909,199 2,079,920 1,669,845 1,427,396 1,285,049 1,174,701 1,094,155 1,033,412 986,463
12            65,000,000 5,866,790 3,151,632 2,253,246 1,808,999 1,546,345 1,392,137 1,272,593 1,185,335 1,119,529 1,068,668
13            70,000,000 6,318,082 3,394,065 2,426,573 1,948,152 1,665,295 1,499,224 1,370,484 1,276,515 1,205,647 1,150,874
14            75,000,000 6,769,373 3,636,499 2,599,900 2,087,306 1,784,245 1,606,312 1,468,376 1,367,694 1,291,764 1,233,079
15            80,000,000 7,220,665 3,878,932 2,773,226 2,226,460 1,903,194 1,713,399 1,566,268 1,458,874 1,377,882 1,315,284
16            85,000,000 7,671,957 4,121,365 2,946,553 2,365,614 2,022,144 1,820,487 1,664,159 1,550,053 1,464,000 1,397,490
17            90,000,000 8,123,248 4,363,798 3,119,880 2,504,767 2,141,094 1,927,574 1,762,051 1,641,233 1,550,117 1,479,695
18            95,000,000 8,574,540 4,606,232 3,293,206 2,643,921 2,260,043 2,034,661 1,859,943 1,732,413 1,636,235 1,561,900
19          100,000,000 9,025,831 4,848,665 3,466,533 2,783,075 2,378,993 2,141,749 1,957,835 1,823,592 1,722,353 1,644,105
20          125,000,000 11,282,289 6,060,831 4,333,166 3,478,844 2,973,741 2,677,186 2,447,293 2,279,490 2,152,941 2,055,132
21          150,000,000 13,538,747 7,272,997 5,199,799 4,174,612 3,568,490 3,212,623 2,936,752 2,735,388 2,583,529 2,466,158
22          175,000,000 15,795,205 8,485,163 6,066,432 4,870,381 4,163,238 3,748,060 3,426,211 3,191,286 3,014,117 2,877,184
23          200,000,000 18,051,662 9,697,330 6,933,066 5,566,150 4,757,986 4,283,498 3,915,669 3,647,185 3,444,705 3,288,211
24          250,000,000 22,564,578 12,121,662 8,666,332 6,957,687 5,947,483 5,354,372 4,894,587 4,558,981 4,305,881 4,110,263
25          300,000,000 27,077,494 14,545,994 10,399,599 8,349,224 7,136,979 6,425,247 5,873,504 5,470,777 5,167,058 4,932,316
26          350,000,000 31,590,409 16,970,327 12,132,865 9,740,762 8,326,476 7,496,121 6,852,421 6,382,573 6,028,234 5,754,369
27          400,000,000 36,103,325 19,394,659 13,866,131 11,132,299 9,515,972 8,566,995 7,831,339 7,294,369 6,889,410 6,576,421
28          450,000,000 40,616,241 21,818,992 15,599,398 12,523,837 10,705,469 9,637,870 8,810,256 8,206,165 7,750,586 7,398,474
29          500,000,000 45,129,156 24,243,324 17,332,664 13,915,374 11,894,965 10,708,744 9,789,173 9,117,961 8,611,763 8,220,527

Simulasi Perhitungan Pembiayaan Kopelindo3
                     
   Simulasi perhitungan SHU  dengan asumsi margin kopelindo3     Simulasi selisih angsuran margin Bank lain        
                     
   Pembiayaan 100 JT 5th Margin 15%       Pembiayaan 100 JT 5th 11.10%    Total selisih   
                     
                     
   SHU yang di bagi                  2,834,015    Selisih angsuran Bank            199,760      
   Pengembalian jasa                   1,945,727    12 Bulan X    12      
                     
   Total yang di terima anggota                4,779,742    Total selisih selama 1TH          2,397,120      
                     
                     
   angsuran margin setahun                14,028,658    angsuran margin setahun        10,310,183      
                     
   Total pengembalian anggota                4,779,742              
                     
   Masih untung koperasi                  9,248,916             10,310,183          1,061,267  
                     
                     
   Kelebihan :                   
1  Mendapatkan  shu dan pengembalian jasa margin (Simpanan).               
2  Proses cepat                   
3  Syarat lebih mudah                   
4  sumber dana dari bank syariah                 
                     
                     
                     

**Merupakan Hasil Perhitungan Rata - Rata Pengembalian Jasa Selama 10 Tahun 


## Tabel Perbandingan


Kembali
Pengajuan Pembiayaan