Pada 8 April 2009 Irawan dan YTLI (Yayasan Transformasi Lepra Indonesia) mendiskusikan peran kegiatan keuangan-mikro dalam program VBCR (Village Based Comprehensive Rehabilitation). Dalam diskusi tersebut Irawan menyarankan agar tujuan dari kegiatan keuangan-mikro program VBCR adalah membangun komunitas yang mau menolong dirinya sendiri untuk lebih menyejahterakan keluarga secara realistis dengan tetap berpengharapan dan berperilaku hemat di desa yang penduduknya cukup banyak mantan penderita kustanya atau penyandang cacatnya. Sementara sasarannya adalah sekurangnya 50% anggota komunitas tersebut memiliki simpanan darurat sebesar enam bulan biaya hidup keluarga dan jaminan pelayanan kesehatan bagi mantan penderita kusta dan penyandang cacat sebagai wujud nyata penting dari peningkatan kesejahteraan keluarganya. Untuk itu YTLI perlu bekerja sama dengan BPR atau KSP yang bersedia melayani warga di desa sasaran. Oleh karena itu, bila ada BPR atau KSP di NTT dan pantai Utara Jawa Timur dan Jawa Tengah, yang mau bekerja sama dengan YTLI untuk mempekerjakan mantan penderita kusta yang memang memiliki kemampuan atau keterampilan yang sesuai dan yang mau melayani warga desa yang penduduknya banyak yang merupakan mantan penderita kusta dan penyandang cacat, silakan menghubungi kami. BRP dan KSP yang bersedia akan mendapat bantuan penguatan kelembagaan dari Kantor Konsultan Keuangan Mikro Irawan & Rekan untuk mampu menyediakan pelayanan penerimaan setoran simpanan dan pinjaman harian. Kesediaan itu merupakan wujud dukungan pada YTLI untuk mewujudkan Indonesia Tanpa Kusta. Juga, apabila ada yang berminat untuk mengetahui atau membantu karya YTLI silakan hubungi 62-21-821-6773, atau nuah.tarigan@transformasilepra.org.
On April 8, 2009, Irawan and YTLI (Transformasi Lepra Indonesia Foundation) had a discussion on the role of microfinance in VBCR (Village Based Comprehensive Rehabilitation) program. In the discussion Irawan suggested the goal of microfinance activities of VBCR is to build a community who are willing to help themselves to increase their family welfare realistically, keep hoping and thrift in the village with many ex-leprosy or disable people. While its objective is at least 50% of community member have an emergency savings of six-months minimum family living costs and health service guarantee for the ex-leprosy and disable people as an important tangible indicator of welfare improvement. To achieve that goal and objective, YTLI needs to cooperate with BRP or Saving-and-Loan Cooperative that are willing to provide financial service in the targeted villages. So, if there is a BPR or Salco in East Nusa Tenggara and in the North Coast of Central Java and Ease Java, that are willing to employ ex-leprosy or disable person who has the required skill and knowledge, and willing to provide financial services to the village with many ex-leprosy or disable people, please do contact us. The BPR and Salco will receive capacity building from Irawan & Partner Microfinance Consultant to be able to provide daily deposits saving and loan. The willingness of the BPR or Salco is their participation to free Indonesia from leprosy. If you need more info or want to support YTLI, please contact 62-21-821-6773, or email nuah.tarigan@transformasilepra.org.
Jumat, 01 Mei 2009
Savings and Health Insurance Product
Pada 7 April 2009 Kantor Konsultan Irawan dan Rekan, PT Nusumma Utama dan perusahaan asuransi internasional mengadakan rapat pengembangan produk simpanan/tabungan yang memberi manfaat asuransi kesehatan. Sebagai salah satu wujud penting dari peningkatan kesejahteraan anggota/nasabah, mereka yang sudah menabung sebesar Rp1 juta sampai Rp25 juta akan mendapat jaminan rawat inap di 700 rumah sakit dan klinik di seluruh Indonesia dan luar negeri cukup dengan menunjukkan kartu tabungan yang sekaligus kartu kepesertaan asuransi tersebut. Sebagai contoh, penabung yang tabungannya sudah mencapai Rp1 juta mendapat jaminan uang muka sebesar Rp2 juta di rumah sakit agar dapat segera ditangani dan tidak harus meninggal dunia sementara anggota keluarganya mencari pinjaman untuk membayar uang muka di rumah sakit. Bila simpanannya sudah mencapai Rp2 juta, jaminan pelayanan kesehatan yang diterima adalah rawat inap dan pembedahan sampai maksimum Rp10 juta per tahun di kelas kamar sebesar Rp100.000 per hari. Jaminan akan bertambah seiring dengan kenaikan saldo tabungan yang dicapai. Bila tabungannya sudah mencapai Rp25 juta, jaminan pelayanan kesehatan yang diberikan adalah rawat jalan sesuai kebutuhan (tanpa batas) dan rawat inap sampai Rp36 juta per tahun. Di samping itu, penabung juga akan dilindungi asuransi jiwa sebesar target tabungannya bila penabung disiplin mencapai target tabungan tahunannya. Poduk ini sangat murah bila pesertanya banyak, maka apabila ada BPR atau KSP yang berminat untuk bergabung dalam konsorsium ini, silakan menghubungi kami.
On April 7, 2009 Irawan & Partner Microfinance Consultant, PT Nusumma Utama and an international insurance had a meeting to develop a saving product that is bundled by health insurance and endowment. As an important realization of welfare improvement for client/member of Microfinance Institution, savers whose balance has reached IDR 1-25 million (about USD100-2,500) will get health service guarantee in 700 hospitals and clinics in Indonesia and overseas only by presenting their savings card that is insurance participant ID-card also. Example: savers whose balance has reach IDR 1 million will be guaranteed by in-patient deposit IDR 2 million, so they will be cured by the hospital, and do not need to die while—may be– their family member try to get loan to pay the total cost. When their savings reach IDR 2 million, they will get in-patient and surgery coverage up to IDR 10 million per year in room class IDR 100,000 per day. The benefit will increase as their savings balance increase. When the balance has reach IDR 25 million, they will be covered by out-patience service as needed (unlimited) and in-patient service up to 36 million per year. During the saving period, the savers will also be covered by life insurance if they deposit their savings on schedule. This product is very affordable if we have many members, so if there are BPR or Saving-and-Loan who are interested in joining in the consortium, please do contact us.
On April 7, 2009 Irawan & Partner Microfinance Consultant, PT Nusumma Utama and an international insurance had a meeting to develop a saving product that is bundled by health insurance and endowment. As an important realization of welfare improvement for client/member of Microfinance Institution, savers whose balance has reached IDR 1-25 million (about USD100-2,500) will get health service guarantee in 700 hospitals and clinics in Indonesia and overseas only by presenting their savings card that is insurance participant ID-card also. Example: savers whose balance has reach IDR 1 million will be guaranteed by in-patient deposit IDR 2 million, so they will be cured by the hospital, and do not need to die while—may be– their family member try to get loan to pay the total cost. When their savings reach IDR 2 million, they will get in-patient and surgery coverage up to IDR 10 million per year in room class IDR 100,000 per day. The benefit will increase as their savings balance increase. When the balance has reach IDR 25 million, they will be covered by out-patience service as needed (unlimited) and in-patient service up to 36 million per year. During the saving period, the savers will also be covered by life insurance if they deposit their savings on schedule. This product is very affordable if we have many members, so if there are BPR or Saving-and-Loan who are interested in joining in the consortium, please do contact us.
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