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A Note History In number Mission Statistic
A note to you as a Lender
  • All loans originated by Koperasi Simpan Pinjam Melania CU are not non-performing loans; they have never been late in payments and have never been restructured. Thus, borrowers of these loans have a good credit record.
  • MEKAR has carefully audited Koperasi Simpan Pinjam Melania CU’s financial statements and performance.
About Koperasi Simpan Pinjam Melania CU
  • The Melania CU Savings and Loan Cooperative was established in 1991 in Bandung, West Java.
  • Melania CU offers only productive loans for business purposes to its members.
  • Melania CU is one of the largest credit unions in West Java.

Koperasi Simpan Pinjam Melania CU in Numbers
As of August 2019:

2,230 microcredit borrowers
IDR 204 billion in loans outstanding
0.64 % non-performing loans
4 branch offices
Coverage: Bandung City and Bandung Regency in West Java

Koperasi Simpan Pinjam Melania CU’s Mission
  • To foster independence in our members.
  • To establish a professional and sustainable management team.
  • To deliver optimal service in financial services.
  • To synergize with the Credit Union Central of West Java (PUSKOPDIT JABAR).
PROFILE
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Partner KSP Melania Credit Union

Headquarters Jl. Batik Rengganis No.2 Kel.Sukaluyu Kec.Cibeunying Kaler Bandung Jabar 40123
022-2518285

Website https://www.melaniacu.com/

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Sampoerna Strategic Square,
South Tower, 21st floor,
Jalan Jendral Sudirman Kav. 45-46,
Karet Semanggi, Kecamatan Setiabudi,
Jakarta Selatan 12930

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+6221 395 24531 (Call)
+62877 8831 8885 (Whatsapp)

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DISCLAIMERS:

  1. Information Technology-Based Lending Service is a civil agreement between the Funder and the Lender. Therefore all risks incurred from the agreement shall be borne entirely by the respective parties.
  2. The credit risk or debt default shall be borne entirely by the Funder. No government body or authority will take responsibility for this default risk.
  3. The Organizer, under the consent of the respective users (the Funder and/or the Lender), accesses, gains, keeps, manages and/or uses the Users’ personal data (“Data Usage”) on or in the objects, electronic devices (including smartphones or cellphones), hardware or software, electronic documents, applications or electronic systems owned by or under the control of the Users, by informing the objective, boundaries and mechanism of the aforementioned Data Usage to the related Users before making the said agreement.
  4. The Funder with no knowledge and experience concerning lending is advised not to use this service.
  5. The Lender must take into account the interest rate of the loan and other costs incurred corresponding to his/her ability in repaying the loan.
  6. Every fraudulence will be recorded digitally in the cyberspace and will be accessible to the general public through social media.
  7. The User must read and fully understand this information before deciding to become a Funder or Lender.
  8. The Government, in this case represented by the Indonesian Financial Services Authority (OJK), shall not be held accountable of every violation or disobedience committed by the Funder or the Lender (whether it is intended or due to the User’s negligence) against the regulations, the agreement or the bond between the Organizer and the Funder and/or the Lender.
  9. Every lending transaction and activity or the agreement implementation concerning lending between or those involving the Organizer, the Funder and/or the Lender must be carried out through an escrow account and a virtual account as regulated in the Financial Authority Services Regulation No. 77/POJK.01/2016 on Information Technology-Based Lending Service, and any violation and disobedience of the regulation shall be considered as evidence of a violation of law committed by the Organizer. Therefore, the Organizer must bear any liability suffered by the Users as a direct result of the violation of law as mentioned above without reducing the rights of the Users that have suffered losses as stipulated in the Indonesian Civil Law.

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