MENYONGSONG RAPAT ANGGOTA TAHUNAN (RAT) KE-3 CREDIT UNION MOTOTABIAN 11 MARET 2012

Perangkat organisasi tertinggi pada suatu Credit Union adalah Rapat Anggota yang biasa dilaksanakan sebagai Rapat Anggota dalam hal ini  Rapat Anggota Tahunan (RAT) yang dilaksanakan setiap tahun sebagai Pertanggungjawaban Pengurus dan Pengawas dalam satu tahun kerja juga Pengesahan Perencanaan Strategi dan Rencana Bisnis (Strategic Planning and Business Plan) Tahun 2012. RAT adalah forum tertinggi dimana anggota memiliki hak suara (one member one vote) bagi Credit Union.

Credit Union Mototabian (CUMT) siap untuk menyelenggarakan RAT sebagai pertanggungjawaban Dewan Pengurus dan Badan Pengawas Tahun Buku 2011 dan Pengesahan Perencanaan Strategi dan Rencana Bisnis (Strategic Planning and Business Plan) Tahun Buku 2012 serta Pemilihan Dewan Pengurus dan Badan Pengawas masa bakti 2012 - 2015.  

Peserta RAT CUMT  Tahun Buku 2011 : Dewan Pengurus, Badan Pengawas, Penasehat dan seluruh anggota CUMT  (terdaftar s.d. Tahun 2011) serta Badan Koordinasi Credit Union Kalimantan (BKCU-K) sebagai Credit Union Sekunder yang merupakan jaringan dari CUMT Kotamobagu.

Forum RAT merupakan forum untuk menyampaikan pendapat, gagasan, saran serta kritik yang membangun agar pelayanan dan usaha Credit Union dapat berjalan dengan lebih baik lagi. Persoalan-persoalan yang sifatnya teknis sebaiknya dibicarakan sebelum atau sesudah RAT, sehingga RAT benar-benar dapat menghasilkan output yang sifatnya strategis dan bermakna.

Makna RAT pada Credit Union

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Tak ayal, menjadi pebisnis walaupun kecil-kecilan pun pasti akan dilakoni, kendati memang sudah mempunyai pekerjaan tetap. Namun, terkadang untuk memulai suatu bisnis bukanlah suatu hal yang mudah.

Modal akan menjadi persoalan utama yang dihadapi setiap pebisnis atau pengusaha. Hal inilah yang selalu membuat orang urung untuk menjalankan bisnis mereka. Uang akan selalu menjadi patokan kegagalan atau keberhasilan dari bisnis mereka. Padahal, tidak selamanya uang menjadi masalah utama.

13 the Regional Meeting and “Youth workshop

Start Date : 2012-09-03
End Date : 2011-09-07

The deregulation of financial market is creating more competition to cooperative financial institution.  Today, players could expect short-lived financial services in the market.  All players have to be innovative and creative simply because of the consumerism behavior of the market.  

Financial service is the main product of the credit union and these services should be delivered in accordance of what members’ want.  Any kind of service should be tailored made.  Today, Board of Directors cannot assume on members’ need.  It has to be packaged according to the needs of the different segment of the market.   Further, credit union cannot be relevant if it has not addressed the needs of its members.  If the services were what the market want, thus there would be sustained growth and viability of the credit union.

In reality the products and services of the credit union are still very traditional.  It has failed to position itself in the market as one of the choices for financial services.  It is still seen as cheap credit and savings as collateral for loans.  In this situation, credit unions are seen as credit institution.

The youth market segment is a strategic area in developing product. In fact, credit union membership is 45 and above and it is really ageing.  Credit unions still need to exert its effort in bringing youth as members and leaders as well.  Youth is the largest market segment of the credit union market.  By bringing the youth as users of credit union services, it would be able to teach young people the value of savings at early age.

International Year of Cooperatives 2012

United Nations Declares 2012 International Year of Cooperatives

Launching International  Year of the cooperatives  in ACCUand its members 2012

 The following is the event at glance:

Core Capabilities WOCCU

World Council of Credit Unions (WOCCU) is the leading international trade association and development agency for credit unions. Since 1971, WOCCU has increased access to high quality financial services worldwide by strengthening credit unions using a well defined and thoroughly tested development model. Member-owned and established at the grassroots, credit unions are sustainable financial intermediaries that serve a broad base of members from all income and wealth levels.

In addition to offering innovative technology solutions, WOCCU's technical assistance programs equip credit unions and other types of financial cooperatives with the tools and techniques necessary to strengthen their financial management and deliver fairly priced financial services to large numbers of poor and low-income people. Unlike many microfinance technical assistance providers that focus exclusively on credit, WOCCU's approach emphasizes the mobilization of member savings as the primary source of financing. This savings-based approach allows credit unions to reach great scale in financial service provision and instills a level of financial discipline that ensures long-term sustainability.

At the second-tier level, WOCCU builds national credit union networks that enable safe and sound institutions to reach greater efficiencies of scale, employ new technologies and provide a broader array of services and service points to members. WOCCU also works closely with credit union leaders, national government officials and policy makers to create appropriate and effective regulatory environments for credit unions.

WOCCU has a long and successful history working with multinational, bilateral and private partners to develop and strengthen member-owned credit unions and their national/regional systems around the world. WOCCU has implemented more than 275 long- and short-term technical assistance programs in 71 countries with funding from various donors, such as:

Inspirasi dari pemimpin

 
Seorang pemimpin haruslah memiliki kualitas tertentu yang mampu menjadikannya sebagai sebuah teladan, tidak hanya sebagai seseorang yang mengatur kelancaran jalannya sebuah pekerjaan. Tentunya setiap pemimpin memiliki gayanya masing-masing sesuai dengan karakter dan orang-orang yang dipimpinnya. Berikut empat teknik yang dapat Anda pelajari untuk menjadi seorang pemimpin yang menginspirasi. 

1. Susun Prioritas Anda