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Journal : International Journal of Community Service Learning

Mitigation of Bad Credit in Village Credit Institutions: Customary and Good Faith Approaches to Strengthen Financial Stability Sujana, I Nyoman; Sukandia, Nyoman; Agung, Anak Agung Istri; Puspdewi, Ni Nyoman Sri
International Journal of Community Service Learning Vol. 9 No. 2 (2025): May
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijcsl.v9i2.86669

Abstract

This community service is motivated by the economic dynamics influenced by global challenges, including the impact of the COVID-19 pandemic, which increases the risk of bad debts in Village Credit Institutions. This community service aims to examine how Village Credit Institutions (LPD) in Bali handle bad debts through the integration of customary values ​​and principles of good faith to support financial stability and build trust in the community. This type of research is a case study with a qualitative approach. The research subjects involved include LPD managers, indigenous peoples, village officials, and debtors to understand the process and results of resolving credit problems, including bad debts. Data collection methods are carried out through interviews, observations, and document studies. The data analysis method used is thematic analysis or descriptive-qualitative analysis. The analysis of the collected documents was carried out in the FGD forum. Empirical findings show that the combination of customary values ​​and good faith creates a positive image of LPD, increases customer loyalty, and strengthens LPD's position as a trusted and socially responsible financial institution. This integrated approach not only reduces the risk of bad debts but also supports sustainable growth and LPD resilience in facing economic dynamics.
Co-Authors Agung, Anak Agung Istri Anak Agung Sagung Laksmi Dewi Andreni, Ni Ketut Desi Ardiani, Ni Wayan Desi Asmara, I Wayan Gede Bou, Antonius Yoseph Cahyani , Ni Putu Mega DANIYANTHI, Yussie Masyuni Darmayasa, Gede Dewantari, Ni Luh Wahyuni Dewi, A. A. Risma Purnama Dewi, Ni Putu Andepi Dewi, Ni Putu Pasek Septiana Dharmayasa, I Putu Arya Didith Pramunditya Ambara FEBRIANA, Ni Kadek Giri, Evi Lila Sari Haris, Iyus Akhmad I Gusti Bagus Suryawan, I Gusti Bagus I Ketut Sukadana I Made Pria Dharsana, I Made Pria I Made Sepud I Nyoman Alit Puspadma I Nyoman Sukandia I Wayan Kartika Jaya Utama I Wayan Sujana I Wayan Suwendra Indriani, Kadek Cindy intan permata sari Irawan, I Kadek Agus Ishak, Maulana Iswariyani, Ni Made Gita Karina, Komang Lia KUSUMA, I Made Kristian Yuda Listiani, Ni Wayan Lulup Endah Tripalupi M. Rudi Irwansyah M.Pd. S.Pd. Luh Indrayani . MADE FERRARI , John MAHARANI, Trisna Sandya Manik Mastuti, I Gusti Ayu Maria Goreti Rini Kristiantari Mariani, Ni Luh Maruf, Irma Rachmawati Meitriana, Made Ary Muliajaya, Made Musanti, Ni wayan Ida Ni Nyoman Ari Widiasih Pangjaya, Anak Agung Ananda Putra PERMANA, Gede Esa Surya Prabhawisnu, Anak Agung Gede Krisna Pranata , Bujangga Agus Arif Pratama, Putu Rama Ari Puspasutari, Ni Made Puspdewi, Ni Nyoman Sri Putra, A.A Ngr Rai Anjasmara Putu Ayu Sriasih Wesna Putu Suryani . Rahayu, Desak Putu Lidya Rahayu, Ni Desak Made Putri Ramdani, Nova Aulia Ribeiro, Leonito SETIASA, Made Setyawati, Ni Komang Arini Sucantra, I Made Bayu Sudibya, Diah Gayatri Sugiartha, I Nyoman Gede Sukandia, Nyoman Sukmayanti, Putu Aristya Suparsini, I Gusti Ayu Bintang Supeni, Putu Dewi suriadi, gede Tasar, Wilybrodus Beato Tridipta, Komang Pande Angga Ujianti , Ni Made Puspasutari Upadana, I Kadek Satria Widhiarti, Ni Putu Widiantara, Made Minggu Widita, Putu Oxin Oktarina Widyaningrum, Ni Made Anynda Wijayanti, Ni Luh Ayu Ari Yanti, Ni Luh Putu Erna Yanti, Putu Nonik Panya Yudha, I Gede Dharma