Koperasi Digital eKSP

Japati Indonesia

About this app

The Japati eKSP application is a cooperative management application that is closed only to cooperatives that collaborate with us and implement the Japati eKSP management information system. The Japati eKSP application provides cooperative members with access to the cooperative's business units: the SP (Savings and Loan) unit and the Waserda (Convenience Store) unit.

The SP unit provides a loan module with a margin (flat interest) of 8.5% - 9.5% pa with a term of 12 months - 60 months. Additional fees include an administration fee of 0.5% and an insurance premium of 0.5% of the principal. Example calculation: a loan of Rp 3,000,000 with a term of 12 months and an interest rate of 8.5% pa. First, if approved, the borrower must pay an administration fee of 0.5% x 3,000,000 = Rp 15,000 and a one-time insurance premium of Rp 15,000 upfront. This totals Rp 3,000,000. 30,000 is paid in one lump sum. This is usually deducted from the principal disbursement. Then, there are monthly principal installments of Rp 250,000 and monthly interest (3,000,000 x 8.5%) / 12 = Rp 21,250. Therefore, the total monthly loan installment paid by members (principal + interest) is Rp 271,250.

Another feature of the Japati eKSP application is access to Waserda (convenience store) business unit services. The Japati eKSP system provides supply chain management for managing convenience stores/shops/cafes, from ordering orders to delivering them to the warehouse, including determining the COGS (cost of goods sold) to the point of sale (POS). Cooperative members can then shop at Waserda simply through the Japati eKSP application, with payment options available in cash, cashless, or PayLater. All transactions at the SP or Waserda business units can be accessed and monitored directly by cooperative members through the Japati eKSP application.

What’s new

Penambahan moda pembayaran POS