Koperasi Pegawai Pelabuhan Indonesia

What Koperasi Pegawai Pelabuhan Indonesia does

Koperasi Pegawai Pelabuhan Indonesia (Kopelindo) is an Indonesian employee cooperative founded on 12 April 1978 and headquartered at Jl. Perak Timur No. 298, Surabaya, with a regional office in Jakarta. It exclusively serves employees of PT Pelabuhan Indonesia (Pelindo) and Pelindo Group companies, with a membership base of approximately 5,800+. The cooperative operates three business divisions: Simpan Pinjam (savings and multi-purpose financing, including Sharia-compliant products SiPlus and SiBerkah with financing plafonds up to 1 billion IDR and tenors up to 15 years); Aneka Usaha (a diversified portfolio including 8 Alfamart retail outlets, a 200+ unit vehicle rental fleet, facility services such as cleaning and mooring at Pelindo ports, oil spill response, cafes, a pharmacy, and travel/ticketing); and a wholly-owned subsidiary, Aperindo Prima Mandiri, providing event organization, security services, and Umrah facilitation.

Member-facing technology is centered on the MyKopelindo mobile application, available on Google Play, which enables digital savings access, financing applications, voucher redemption, and parcel programs. Marketing and member communication are conducted through the cooperative's website, Instagram (@kopelindo), YouTube (@kopelindo_id), and WhatsApp messaging channels. The cooperative is member-owned with no external parent or investor capital, and its operations are constrained to Pelindo Group work areas primarily in Surabaya and Jakarta.

Kopelindo's business model combines subscription-style recurring revenue from savings/financing activities with transaction-based income from retail, rental, and service operations, and professional services revenue from the Aperindo Prima Mandiri subsidiary. Pricing on financing products is promotional and competitive (e.g., FLASHDEAL at 0.52% flat monthly for up to 6-month tenors), while savings products follow Sharia principles (wadiah and mudharabah). The go-to-market is community-led and direct-to-consumer, leveraging word-of-mouth among Pelindo employees, the mobile app, and on-site presence at Pelindo facilities, rather than competing in the open market.

Name

Koperasi Pegawai Pelabuhan Indonesia

Legal name

Koperasi Pegawai Perdagangan Indonesia

Website

https://kopelindo.co.id

Company type

Private

Founded year

1978

Operating status

Operating

Headcount range

11–50 employees

Short description

Koperasi Pegawai Pelabuhan Indonesia (Kopelindo) is an Indonesian employee cooperative founded in 1978 that provides savings, multi-purpose financing, retail, vehicle rental, and ancillary services exclusively to approximately 5,800+ employees of PT Pelabuhan Indonesia (Pelindo) and its affiliated companies, accessed primarily through the MyKopelindo mobile app.

Ownership category

akta.pro rank

Headquarters

HQ city

Surabaya

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Simpan Pinjam (Savings and Loans): Core cooperative business providing savings products (Simpanan Plus, Simpanan Berjangka) and multi-purpose financing (pembiayaan) with rates starting from 0.52% flat per month, plafonds up to 1 billion, and tenors up to 15 years.
2. Aneka Usaha (Diverse Business Ventures): Various business operations including facility services (cleaning, mooring), vehicle rental (200+ units), retail (Alfamart outlets, cafes, pharmacies), travel and ticketing services.
3. Aperindo Prima Mandiri Services: Subsidiary providing event organization, security services, and Umrah facilitation for Pelindo Group companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Koperasi Pegawai Pelabuhan Indonesia (Kopelindo) is a member-owned cooperative serving employees of PT Pelabuhan Indonesia (Pelindo) and Pelindo Group companies. It delivers three integrated lines of business: Simpan Pinjam (savings products SiPlus and SiBerkah, plus multi-purpose financing up to IDR 1 billion with tenors up to 15 years and flat rates from 0.52% per month); Aneka Usaha (vehicle rental of 200+ units, 8 Alfamart retail outlets, cafes, restaurants, pharmacy, facility services such as cleaning and mooring, oil spill response, and travel/ticketing); and Aperindo Prima Mandiri subsidiary (event organization, security services, Umrah facilitation). Members access these services through the MyKopelindo mobile application, the Surabaya headquarters, and the Jakarta office.

Product overview

Kopelindo is a cooperative serving PT Pelabuhan Indonesia (Pelindo) and Pelindo Group employees. The cooperative operates three main business divisions: (1) Simpan Pinjam offering savings and multi-purpose financing products including SiPlus (flexible savings) and SiBerkah (time deposits); (2) Aneka Usaha encompassing retail operations (Alfamart stores, cafes, restaurants, pharmacy), vehicle rentals (200+ units), facility services (cleaning, mooring), oil spill response, and travel services; and (3) Aperindo Prima Mandiri subsidiary providing event organization, security services, and umrah facilitation. Members access services digitally through the MyKopelindo mobile application.

Differentiator

Problem solved

Functional benefit

Brands

• MyKopelindo: Aplikasi gawai mobile untuk memudahkan anggota berkoperasi
• CASH (Care, Attention, Satisfaction, Humanity)
• SiPlus (Simpanan Plus)
• SiBerkah (Simpanan Berjangka Mudharabah)

Products and services

• MyKopelindo Mobile Application Member-facing mobile application that enables Pelindo Group employees to access savings, apply for financing, redeem vouchers, and manage cooperative activities digitally. Available on Google Play Store.
• Simpan Pinjam Multi-Purpose Financing (Pembiayaan) Multi-purpose Sharia-compliant financing for cooperative members with plafonds up to IDR 1 billion, tenors up to 15 years, and promotional flat rates starting from 0.52% per month. Includes FLASHDEAL promo (up to IDR 50 million, 6-month tenor) and Ramadan Fest promo (rates down to 9.85% with cashback up to IDR 10 million).
• SiPlus (Simpanan Plus) Flexible Savings Sharia-compliant flexible savings product combining wadiah (safekeeping) and mudharabah (profit-sharing) principles with a minimum deposit of IDR 100,000, available to Pelindo Group employee members.
• SiBerkah (Simpanan Berjangka Mudharabah) Term Deposits Sharia-compliant term deposit product with 6-month and 12-month tenors under mudharabah profit-sharing principles, with a minimum placement of IDR 50 million for Pelindo Group employee members.
• Persewaan Kendaraan Operasional (Vehicle Rental) Rental service of more than 200 vehicle units (cars, motorcycles, road sweeper trucks, buses, and tank trucks) supplied to Pelindo Group companies and terminals such as Terminal Teluk Lamong and Terminal Petikemas Surabaya.
• Gerai Alfamart Retail Outlets Eight Alfamart convenience retail outlets located within Pelindo Group work areas, providing everyday goods to employees and generating rental income for the cooperative.
• Facility Services (Cleaning and Mooring) Cleaning services for maintaining company premises and mooring/unmooring services at Pelindo Group ports.
• Oil Spill Response Service Oil spill handling and environmental response services at Bagendang, Bumiharjo, and Tanjung Perak ports.
• Travel dan Ticketing Service Travel and ticketing booking services available to Pelindo Group employees through the cooperative.
• Aperindo Prima Mandiri Subsidiary Services Wholly-owned subsidiary of Kopelindo providing event organization services, security personnel services for company areas or events, and Umrah pilgrimage facilitation for Pelindo Group employees.
• Cafe and Restaurant Operations Cafe and restaurant operations including Cafe Cankru'an Boom Marina (Pantai Boom Marina, Banyuwangi), Cafe Cankru'an Petekan, and Condong Roso restaurant specializing in goat head, milkfish, and gado-gado dishes.
• Apotek K-24 Pharmacy Pharmacy outlet providing medicines and health supplies at Jl Teluk Nibung Surabaya, serving cooperative members and surrounding community.
• Moko (Mobil Toko) Mobile Store Mobile store vehicle-based retail operation located at Pelindo Place providing convenience goods to employees.

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• PT Aperindo Prima MandiricoreStrategic or Co-development Partner · 26 June 2019Aperindo Prima Mandiri is a subsidiary of Kopelindo providing event organization, security services, and Umrah facilitation. It operates as Kopelindo's dedicated services arm for Pelindo Group companies.
• PT Pelatihan Indonesia (Pelindo) GroupcoreStrategic or Co-development Partner · 12 April 1978Kopelindo was established specifically to serve employees of PT Pelatihan Indonesia (Pelindo) and Pelindo Group companies. The cooperative provides financial services, vehicle rental, and employee benefits to Pelindo Group workforce. Membership is drawn exclusively from Pelindo Group employees.
• AlfamartminorChannel Partner/ Reseller/ DistributorKopelindo operates 8 Alfamart retail outlets within Pelindo Group work areas, providing convenience retail services to employees and generating rental income.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• Alfamart: National convenience retail chain where Kopelindo operates 8 franchise outlets inside Pelindo work areas. Functions as a channel partner rather than direct competitor, but the broader Alfamart retail model is adjacent to Kopelindo's diverse retail strategy.

Emerging players

• Kredivo: Indonesia's leading digital consumer finance platform offering paylater and instant credit to formal-sector employees. Threatens Kopelindo's multi-purpose financing product with faster digital onboarding and competitive rates.
• Amartha: Indonesian peer-to-peer lending fintech focused on microfinance and sharia-compliant financing. Represents the digital-native challenger that targets the same formal-sector and sharia-savvy borrower segment Kopelindo serves.

Broad incumbents

• Pegadaian: Indonesian state-owned pawnshop and financial services company offering savings products, gold-backed financing, and multi-service financial access to formal-sector workers. Operates at much larger scale but competes for similar member credit and savings needs.
• Bank Mandiri: Major Indonesian state-owned bank that services Pelindo Group's corporate banking and competes for employee payroll-linked savings and consumer financing. Provides the conventional-banking alternative to Kopelindo's cooperative offering.
• Bank BRI: Indonesia's largest microfinance-focused bank, deeply embedded with state-owned enterprise employees and cooperatives. Competes for the same Pelindo-employee savings and consumer financing wallet through its BRILink agent network and Simpedes savings product.
• BSI (Bank Syariah Indonesia): Indonesia's largest sharia bank, offering competing mudharabah and wadiah savings products plus sharia-compliant consumer financing. Targets the same Muslim formal-sector demographic Kopelindo serves through SiPlus and SiBerkah.

Direct peers

• Kospin Jasa: One of Indonesia's largest savings and loans cooperatives (KSP), offering similar member-based savings, financing, and member-benefit services. Most directly comparable cooperative peer in the same Indonesian regulatory and cultural context.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@kopelindo_id
• Instagraminstagram.com/kopelindo
• LinkedInlinkedin.com/company/koperasi-pegawai-pelabuhan-indonesia

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Koperasi Pegawai Pelabuhan Indonesia