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Ascend FCU

Credit unions are non- profit cooperative financial institutions owned by their members or customers and operated for the benefit of their members and the surrounding community. Sejak saat itulah perlahan -lahan Credit Union berkembang ke berbagai negara diluar Jerman seperti Italia, Perancis, Austria, Inggris, Kanada, dan Amerika Serikat. Credit Union Central of Canada federates serikat kredit sebagian besar di provinsi-provinsi berbahasa Inggris. Pada tahun 1934, Roy F. Bergengren membentuk gabungan CU di Amerika Serikat dengan nama Credit Union National Association (CUNA). While many banks were chasing ever more exotic ways to make money, credit unions stuck to the basics. Compared to a bank which are owned by various shareholders, that does not necessary belong to the specific bank in question. BPR dan koperasi simpan pinjam memiliki likuiditas yang rendah dibanding bank umum.

Hal ini dibuktikan dengan meningkatnya permintaan kepada BK3DK untuk memfasilitasi pendirian dan pengembangan gerakan Credit Union di wilayah Papua, Jakarta, Nusa Tenggara Timur, Jogjakarta, Jawa, Sulawesi dan Sumatera Utara. Because credit unions are non-profit organizations, if they earn more than it costs them to operate the business, the additional profits are distributed to the members as dividends.Credit Union

In November 2015, a Personal Micro Credit (PMC) pilot initiative was …