Empowering Women Entrepreneurs and Ultra-Micro Businesses
Designed to support women and ultra-micro entrepreneurs with access to collateral-free financing through a mutual-support group model, complemented by structured guidance and business development support.
Accelerate Business Growth with Secure and Trusted Financing
Financing solutions for cooperative members to expand their businesses and productive assets, offering higher loan limits, flexible tenors, and a transparent, fully compliant process.
Credit Distribution โ 2026
Current Credit Assets
Credit Quality
Cut Off Februari 2026
About KOSPINUS
Koperasi Simpan Pinjam Nusantara Abadi Sejahtera (KOSPINUS) was established on 8 April 2022 in South Tangerang, Indonesia, as a cooperative financial institution dedicated to providing secure, accessible, and sustainable savings and financing solutions for business owners and members. KOSPINUS operates with a strong focus on financial discipline, prudent risk management, and member-centric services, supporting the long-term growth of micro and small enterprises while maintaining portfolio quality and stability.
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KOSPINUS โ Growing Together with Our Members, Building a Sustainable Economy.
11 KOSPINUS Branch Offices
Banten Province
- Cisoka Branch
- Karawaci Branch
- Pamulang Branch
- Kasemen Branch
- Taktakan Branch
West Java Province
- Bekasi Branch 1
- Bekasi Branch 2
- Bekasi Branch 3
- Mustikajaya Branch
- Ciseeng Branch
- Cileungsi Branch
Ultra-Micro Financing (UMI) โ Grameen Group Lending Model
Collateral-free financing for ultra-micro entrepreneurs through a group-based joint liability system, featuring a simple application process, affordable installments, and continuous business mentoring.
Productive Financing with Certificate Collateral
Productive financing for members secured by land or building certificates, offering higher loan limits, flexible tenors, and a secure, transparent, and compliant process.
Join a Community of Independent and Productive Members
To become a KOSPINUS member, you only need to meet the following simple and transparent requirements:
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Principal Savings
A one-time initial contribution as the foundation of membership capital.
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Mandatory Savings
Setoran rutin setiap periode sebagai bentuk komitmen dan partisipasi aktif dalam koperasi.
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Voluntary Savings
Flexible additional contributions based on individual capacity, serving as personal savings for members.








