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All Journal Postgraduated Community Service Journal
I Made Sara
Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Warmadewa, Denpasar, Bali-Indonesia
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Pelaksanaan Perjanjian Pinjaman Yang Memuat Klausula Baku Pada Koperasi Simpan Pinjam Bersinar Pesanggaran I Wayan Kartika Jaya Utama; I Made Sara; Putu Ayu Sriasih Wesna; Ida Ayu Permata Winditya Dewi; I Putu Wira Dharma Putra Yudha
Postgraduated Community Service Journal Vol. 5 No. 2 (2024)
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/pcsj.5.2.2024.50-56

Abstract

The Pesanggaran Shining Savings and Loan Cooperative emerged from the initiative and consensus of a group of people who feel that they have the same needs and interests to move a common capital, especially those that come from deposits and are lent among themselves with an adequate interest rate. Service at the Pesanggaran Shining Savings and Loan Cooperative begins with observations and interviews with the Cooperative Management using socialization, training and mentoring methods as well as evaluation of the implementation of making agreements with standard clauses that have been made. The consequences of null and void laws that will arise against the application of standard clause agreements can be detrimental to the parties, especially cooperatives and customers. With the aim that the management of the Pesanggaran Shining Savings and Loan Cooperative has understood the legal consequences arising from the implementation of the standard clause agreement, it can also overcome the problems of defaulting debtors so that in the future the Pesanggaran Shining Savings and Loan Cooperative can continue to operate without obstacles.
Pelaksanaan Perjanjian Pinjaman Yang Memuat Klausula Baku Pada Koperasi Simpan Pinjam Bersinar Pesanggaran I Made Sara; I Wayan Kartika Jaya Utama; A.A.Media Martadiani; Ni Putu Riasning; Ni Gusti Agung Ayu Wulan Ananda Pratiwi; I Made Abdi Nassa Jayantara; I Kadek Darmawan
Postgraduated Community Service Journal Vol. 5 No. 2 (2024)
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/pcsj.5.2.2024.57-63

Abstract

The Bersinar Pesanggaran Savings and Loan Cooperative (KSP) is located in Pedungan Village, South Denpasar District, Denpasar City which is engaged in banking. The development of credit at KSP Bersinar Pesanggaran has increased not so significantly from 2021-2023, while the number of non-performing loans has increased a lot in 2021 to 2023. Service at KSP Bersinar Pesanggaran begins by conducting observations and interviews with the Cooperative Management by using socialization, training and mentoring methods to employees regarding good credit receipt procedures in accordance with applicable procedures and provisions in order to avoid non-performing loans not increasing in the future in order to overcome the problems faced by partners. In its implementation, it was explained the classification of the collectibility status of banking loans in accordance with Financial Services Authority Regulation Number 40/POJK.03/2019 and to handle non-performing loans can be done through prevention, handling and backup methods. The expected end result of this activity is to help partners in preventing and avoiding the increase in non-performing loans.
Co-Authors A.A.Media Martadiani I Kadek Darmawan I Made Abdi Nassa Jayantara I Putu Wira Dharma Putra Yudha I Wayan Kartika Jaya Utama I Wayan Kartika Jaya Utama Ida Ayu Permata Winditya Dewi Ni Gusti Agung Ayu Wulan Ananda Pratiwi Ni Putu Riasning Putu Ayu Sriasih Wesna