business unit that provides consultancy services for the formation and assistance of microfinance groups through savings and loan cooperatives and partnerships. This unit has been named the Bina Swadaya Nusantara Cooperative (KBSN) since 2011.
The history of the Bina Swadaya Nusantara Cooperative is quite long. Starting in the 1970-1987 period, which assisted the poor through the development of self-help groups (KSM) and encouraged the birth of the TSK (Savings Setia Kawan) and KSK (Kredit Setia Kawan) programs. Furthermore, in the period 1988, this microfinance program encouraged and gave birth to a bank-group relationship project (PHBK). Thus, KSM can access services from banks with a joint responsibility system.