The early operational done by Kopsyah is to open unit of financial service business of BMT Assakinah with maal product (comercial) in terms of the financing of murabahah and the financing of Qord. The financign of murabahah has a joint venture with Jihadi, BMT A.Yani, BMT AMMA and BMT Assa'adah as finance server to purchace laptop for elementary teacher of Muhammadiyah IX Malang and tamwil product (social) in terms of the business development for UMKM. The management of the activity is helped by the college students who are doing internship program and doing the thesis. Those are Aristya Eka and Eka Suprihatin.
After having Koperasi (cooperative)-owned legal institution, kopsyah is able to develop operational activity more freely by collecting finance from the third party (DP3) from Bank Muamalat in the form of bailout of hajj and the management of mudharobah finance, LPM Unibraw, students of UMM and the members. With the support of technology in the form of computerized financial system from BMT Al-Rifa'i and BMI, and the support of part timer from UMM, Irwan and Uswah, has become the operational of Kopsyah similar to the one in the bank.
The place movement from the 2nd floor to the 1st floor of GKB I has become the Kopsyah location strategic and enabled more poeople to be served. Thus, Kopsyah has opened a unit of business of Assakinah which serves snack and has a joint-venture with Coca-cola, selling soft drink. Meanwhile, for the students of UMM, Assakinah Muamalah gives a real business guidance with the primary activity of hiring 4 students as a model. The financing model is mudharobah 30:70, each gets the capital of Rp. 250,000,- for credit selling business which is paid each week for 4 months, so that now the capital has become the capital owned by the students themselves. Next, the capital will be increased into Rp. 500,000,-.
The laptop buying in a big number has become Kopsyah Assakinah trusted to be an official agent from Acer products in Malang on June, 2009, so that it results in Kopsyah to be the only producer for Alkamil members.
As the balancing, Assakinah Muamalah also collects and lines Infaq wiht the model of Qordh/good attitude that is the refund of loan of primary value aimed to buy Syamil Koran and medical fund for sick people. The amount of Infaq is limited. It is not balanced with the needs of customer, so that a harder effort is needed to get bigger infaq.
Alhamdulillah, slowly but sure, the existence of Kopsyah starts to get trust. It is shown by wadiah/the saving of fund of Aisyiyah dormitory building, management laboraturium operational fund, and INWID fund (incubation of business entrepreneur) of Animal Husbandry Faculty for funding and guiding the business of students of the faculty.
The big growth of target market forces Kopsyah to make expansion. The first expansion conducted on 23rd of June, 2009 was Probolinggo, characterized by the consideration of alumni of UMM that have given space for Assakinah Muamalah office. as a consequence, Assakinah has given some amount of money that is to be managed with murabahah and mudharabah model.
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