Fastabiq RS Roemani

Roemani Muhammadiyah Hospital Semarang Employee Cooperative

The Roemani Muhammadiyah Hospital Semarang Employee Cooperative is a member-based financial institution established to improve the welfare of all employees within the Roemani Muhammadiyah Hospital Semarang. This cooperative is managed professionally and transparently, based on cooperative principles and Muhammadiyah values, with the aim of facilitating financial management, financing, and future planning for its members.

As a platform for togetherness and mutual cooperation, this cooperative offers a variety of safe, reliable, and easily accessible savings and loan services, both administratively and through a digital system that allows members to monitor their finances at any time.

Cooperative Features and Services
1. Mandatory Savings and Principal Savings
🔹 Principal Savings

Principal Savings is the initial deposit paid once a member first becomes a member of the cooperative.
Function:

As a requirement for membership.

It forms part of the cooperative's authorized capital.

It cannot be withdrawn while still a member.

🔹 Mandatory Savings

Mandatory savings are regular deposits (usually monthly) paid by members.
Benefits:

Increases the cooperative's working capital.

Increases the SHU (Surplus Operating Profit) received by members.

Reflects members' active participation in the cooperative.

2. Holiday Savings and Voluntary Savings
🔹 Holiday Savings (THR)

This savings account is specifically designed to help members prepare for their needs ahead of the holidays (Eid al-Fitr or other major holidays).

Advantages:

Regular deposits with flexible amounts.

Disbursements before the holidays.

Helps with financial planning without burdening unexpected expenses.

🔹 Voluntary Savings

Savings that can be deposited and withdrawn according to members' needs.

Advantages:

Flexible with no deposit amount limits.

Can be used as an emergency fund.

Safe and transparently recorded.

3. Macro and Micro Loans
🔹 Micro Loans

Loans with small to medium amounts intended for urgent or personal needs such as:

Education fees

Healthcare

Household needs

Advantages:

Fast and easy process.

Low installments.

Simple requirements.

🔹 Macro Loans

Loans with larger amounts typically used for:

Home renovations

Vehicle purchases

Business capital

Personal investment needs

Advantages:

Larger ceilings.

Longer terms.

Structured and affordable installment system.

4. Member Account/Profile

Each member has a personal account that can be used to:

View membership data.

Monitor savings balances.

View transaction history.

Monitor loan and installment status.

Manage personal information.

This feature provides easy access to real-time information and increases transparency between the cooperative and its members.

5. Home (Financial Dashboard)

The Home feature serves as a central hub for members' financial information. On this page, members can view:

Summary of total savings (Principal, Mandatory, Voluntary, THR).

Remaining loan and installment schedule.

Recent transaction history.

Estimated SHU.

Information about cooperative announcements.

With an informative and easy-to-understand display, members can monitor their financial condition quickly and accurately.

Cooperative Commitment

The Roemani Muhammadiyah Hospital Semarang Employee Cooperative is committed to:

Improving member welfare.

Managing funds securely and professionally.

Providing fast and transparent service.

Developing a digital system for easy access to services.

With a spirit of togetherness and Sharia principles and Muhammadiyah values, this cooperative is a trusted financial partner for all employees.