Pelopor Pembiayaan Sistem Tanggung Renteng

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Anggota Koperasi SBW tidak perlu menyertakan agunan dalam mengajukan pinjaman. Dengan sistem tanggung renteng, risk profile dapat terpetakan dengan baik sehingga NPL nyaris nol persen.

SEBELUM sistem tanggung renteng populer dengan keberhasilan Muhammad Yunus pendiri Grameen Bank Bangladesh meraih Nobel Perdamaian pada 2006, Koperasi Wanita Setia Bhakti Wanita (SBW) Jawa Timur telah lebih dahulu mempraktikannya. Koperasi yang didirikan pada 30 Mei 1978 ini sejak awal menerapkan tanggung renteng dalam menyalurkan pinjaman kepada anggota.

Adalah Mursia Zaafril Ilyas (almh.), seorang tokoh koperasi dan mantan Sekretaris Pribadi Presiden Soekarno yang berjasa dalam mengenalkan sistem tanggung renteng di Kopwan SBW. Sejak 1977, Mursia tertarik untuk mendatangi kumpulan arisan 35 orang ibu-ibu untuk menawarkan pembentukan koperasi.

Butuh kunjungan sebanyak empat-lima kali sebelum akhirnya para ibu-ibu arisan itu setuju dengan gagasan koperasi. Dari anggota 35 orang, kemudian beberapa orang mencoba membentuk kelompok baru hingga terbentuk 4 kelompok. Akhirnya pada 15 Januari 1980, Kopwan SBW resmi mendapat badan hukum dari Dinas Koperasi Kodya Surabaya Jatim.

Dalam perkembangannya, Kopwan SBW yang kini dipimpin Indri Soerjani ini tetap konsisten dengan sistem tanggung renteng dalam menyalurkan pinjaman ke anggota yang berjumlah 13.389 anggota. Jumlah anggota ini terbagi dalam 446 kelompok organisasi dan 58 kelompok ekonomi.

Keberhasilan sistem tanggung renteng di Kopwan SBW tercermin dari nilai kredit bermasalah yang nyaris nol persen. Padahal dalam memberikan pinjaman kepada anggota tidak mensyaratkan agunan. “Kebersamaan, jujur, terbuka, saling percaya, musyawarah, disiplin dan bertanggung jawab menjadi nilai-nilai yang mendasari sikap dan perilaku anggota dari hasil penerapan sistem tanggung renteng,” ujar Indri.

Volume usaha simpan pinjam yang dikelola Kopwan SBW pun terbilang besar dimana akhir 2016 mencapai Rp234,13 miliar, naik 8,73% dari 2015 Rp223,69 miliar. Selain mengelola usaha simpan pinjam, koperasi ini juga memiliki usaha swalayan yang pendapatannya mencapai Rp9,10 miliar.

Kesuksesan Kopwan SBW dalam menerapkan sistem tanggung renteng menarik perhatian Kementerian Koperasi dan UKM yang pada 2004 mengusulkan pembentukan Unit Learning Center (LC). Unit LC ini menjadi menjadi laboratorium bagi semua pihak yang ingin belajar pelatihan perkoperasian dengan sistem tanggung renteng dari Kopwan SBW.

Keberhasilan SBW dalam menerapkan sistem tanggung renteng memberi inspirasi bagi koperasi lainnya di Indonesia. Namun yang perlu diingat, kesuksesan ini tidak dicapai dalam waktu singkat dan perlu memperhatikan sistemnya secara mendetail.   (Drajat)

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