Joglo, Indonesia
Sumber Surya Kencana is a cooperative in Indonesia that offers savings and loan services. Founded in late 2005 with an initial capital of Rp. 28.7 million, it officially began operations on January 16, 2006. The cooperative has 28 founding members from diverse backgrounds including retirees, professionals, housewives, teachers, and entrepreneurs. It provides various savings products such as regular savings accounts with a 5% annual interest rate and no monthly administration fees, fixed-term deposits with competitive interest rates and minimal administration costs, and arisan (rotating savings) schemes where participants contribute Rp. 100,000 per month to win prizes each month. Sumber Surya Kencana does not offer unsecured loans (KTA). The cooperative's main loan product is designed to facilitate small and medium-sized businesses by providing cash funds as capital for growth. As of the
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