Page 3 - OPERASIONAL

DAFTAR ISI
Halaman

KATA PENGANTAR ……………………………………………………………………………….... 1
DAFTAR ISI ………………………………………………………………………………………........ 2
Prosedur 001 Pembukaan Cabang Baru ……………………………………………………………….....
3
Prosedur 002 Survey Kelayakan Cabang Baru …...…………………………………………....... 6
Prosedur 003 Survey Lapang ............................................................................................................
9
Prosedur 004 Pertemuan Umum ………………………………………………………………………......
11
Prosedur 005 Pembentukan Kelompok ………………………………………………………………........
13
Prosedur 006 Uji Kelayakan ………………………………………………………………………….........
16
Prosedur 007 Latihan Wajib Kelompok (LWK) ………………………………………………………......
22
Prosedur 008 Ujian Pengesahan Kelompok (UPK) ………………………………………………….......
30
Prosedur 009 Pertemuan Center ………………………………………….............................................
34
Prosedur 010 Pelaksanaan Pengajuan dan Pemberian Pembiayaan ………………...................... 37
Prosedur 011 Sistem Pembiayaan ......................... …………………………………………….... 43
Prosedur 012 Penarikan Angsuran dan Penyelesaian Pembiayaan Bermasalah....................................
47
Prosedur 013 Pengajuan dan Pencairan Pembiayaan Kedua dan seterusnya ……………………...
55
Prosedur 014 Administrasi Lapang …………………………………………………………………........ 58
Prosedur 015 Progress Out of Poverty Index ( PPI )................................................................. 63
Prosedur 016 Written Off ................................................................................................................ 66
Prosedur 017 Rescheduling Loan............................................................................................. 70
Prosedur 018 Penundaan Angsuran ........................................................................................ 73
Prosedur 019 Privacy Policy............................................................................................................ 77
Prosedur 020 Anggota Keluar .................................................................................................. 82
Prosedur 021 Anggota Cuti ...................................................................................................... 85
Prosedur 022 Anggota tambal sulam.............................................................................................. 87
Prosedur 023 Anggota 6,7 dan 8................................................................................................... 90

Prosedur 024 Monitoring, Evaluasi dan Kebijakan Pencegahan Fraud....……………………… 93
Prosedur 025 Simpanan Pokok ..........................................................................................................
100
Prosedur 026 Simpanan Wajib ................................................................................................. 102
Prosedur 027 Simpanan Pensiun ............................................................................................. 105
Prosedur 028 Simpanan Sukarela ............................................................................................ 108
Prosedur 029 Simpanan Hari Raya .......................................................................................... 112
Prosedur 030 Pembiayaan Umum .....................................................................................................
118
Prosedur 031 Dana Talangan Pendidikan ................................ ................................................ 124
Prosedur 032 Pembiayaan Mikro Bisnis .................................................................................. 129
Prosedur 033 Pembiayaan Sanitasi .......................................................................................... 137
Prosedur 034 Pembiayaan Alat Rumah Tangga (ARTA) .........................................................................
149
PENYIMPANGAN SOP ……………………….......……………….…………………………………. 157
PENUTUP ……………………………………………......………..……………………………………. 157
LAMPIRAN 1 – 7 .........................…………………………………........……………………………………
158

SOP Operasional 2017
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