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All Journal Cetta: Jurnal Ilmu Pendidikan Scientific Journal of Reflection : Economic, Accounting, Management and Business JOURNAL OF SCIENCE AND SOCIAL RESEARCH Widya Balina :Jurnal Ilmu Pendidikan dan Ekonomi Jurnal Review Pendidikan dan Pengajaran (JRPP) Edunesia : jurnal Ilmiah Pendidikan El-Mujtama: Jurnal Pengabdian Masyarakat International Journal of Multidisciplinary: Applied Business and Education Research JUSIE (Jurnal Sosial dan Ilmu Ekonomi) Jurnal Media Informatika Journal of Counseling, Education and Society International Journal of Education, Social Studies, And Management (IJESSM) Jurnal Nasional Holistic Science Absorbent Mind JCP (Jurnal Cahaya Pendidikan) Fakultas Keguruan dan Ilmu Pendidikan ProBisnis : Jurnal Manajemen AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Al-MIKRAJ: Jurnal studi Islam dan Humaniora Indonesian Research Journal on Education Innovative: Journal Of Social Science Research As-Syirkah: Islamic Economic & Financial Journal
Perkasa, Ripho Delzy
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Religion Arts Humanities Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Physics Public Health Social Sciences Other

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The Role of Savings and Loan Cooperatives in the Development of Micro, Small, and Medium Enterprises (MSMEs): (A Case Study on Sibotolungun Savings and Loans Cooperative (KSP) in West Medan District) Perkasa, Ripho Delzy; Safitri, Dwi; Lubis, Ismanora; Aimansyah, Zaki
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.336

Abstract

The aim of this research is to identify the role of the Sibotolungun Savings and Loans Cooperative (KSP) in the development of Micro, Small and Medium Enterprises (MSMEs) in Medan Barat District and to determine the efforts of the Sibotolungun Savings and Loans Cooperative (KSP) in empowering the community economy in Medan Barat District . This research was conducted using qualitative analysis methods with data collection techniques through observation, interviews and documentation. The number of informants involved in this research was 4 people consisting of 1 KSP Sibotolungun employee and 3 MSME entrepreneurs. The results of this research show that: 1). The Sibotolungun Savings and Loans Cooperative (KSP) acts as a provider of capital financing for MSMEs, which contributes to economic growth and as an alternative savings institution other than banks. 2) KSP Sibotolungun’s Efforts to empower the community’s economy are carried out through providing counseling and Assistance to increase sales, so that entrepreneurs can remain competitive in the market.
Efforts to Overcome Obstacles to Bailout Funds for KGPN Cooperative Customers in Medan Tembung District Perkasa, Ripho Delzy; Ramadhan, Nugraha Pratama; Zaki, Ahmad
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.340

Abstract

This research aims to determine the factors that cause problematic credit at the KGPN Cooperative, Medan Tembung District. This research uses qualitative research with interview observation and documentation methods. The problems in this research are: 1. What causes Bad Credit in Cooperatives? 2. What are the Efforts to Pay Off Loans for Cooperative Members Who Bail Out Customers of the Medan Tembung District KGPN Cooperative? The effort to resolve the loan bailout from cooperative members which was bailed out by KGPN Cooperative customers in Medan Tembung District is to carry out good communication with customers. If you don't get results, you will contact someone close to the customer. Cooperatives are the implementation of chapter 33 of the Constitution as regulated in Law Number 25 of 1992 concerning Cooperatives. Cooperatives in Indonesia have a big influence on the survival of local residents. Moreover, in cooperatives there are several cooperative members and non-cooperative members who are not punctual in returning their debts at the predetermined time. Bad credit in savings and loan cooperatives has become a matter of great concern for the health of the cooperative itself. Bad debts in cooperatives are increasing over time and are difficult to collect. Gutter funds are widely used in the current transaction process. Such as implementing the pay late concept which uses bailout funds first. So that the main payment is made in accordance with the terms and policies of both parties. In other cases, bailout funds can be applied to various transaction areas, not only buying and selling transactions.
Sistem dan Prosedur Pemberian Kredit Pada Koperasi Simpan Pinjam/Unit Simpan Pinjam Cinta Kasih Perkasa, Ripho Delzy; Rahma, Unzila Ilaika; Vista, Rizka; Maskuri S, M. Irham
Innovative: Journal Of Social Science Research Vol. 4 No. 4 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i4.12361

Abstract

Penelitian ini bertujuan untuk menganalisis sistem dan prosedur pemberian kredit pada Koperasi Simpan Pinjam Cinta Kasih dengan fokus pada efektivitas dan efisiensi layanan kepada anggota. Pendekatan kualitatif digunakan dalam penelitian ini dengan metode studi kasus di wilayah Samarinda. Data dikumpulkan melalui wawancara mendalam, observasi partisipatif, dan analisis dokumen dari berbagai pihak terkait, seperti pengurus koperasi, petugas survey, Komite Kredit, dan anggota koperasi. Hasil penelitian menunjukkan adanya kendala dalam implementasi sistem dan prosedur pemberian kredit, seperti kredit macet dan kurangnya pemahaman anggota terhadap tanggung jawab mereka. Namun, koperasi telah mengambil langkah-langkah untuk meningkatkan efektivitas prosedur, seperti peningkatan pemantauan debitur dan peningkatan edukasi kepada anggota. Kesimpulannya, sistem dan prosedur pemberian kredit memiliki peranan penting dalam operasional koperasi, dan upaya terus-menerus diperlukan untuk meningkatkan layanan kepada anggota dan keberlangsungan koperasi secara keseluruhan.
ANALISIS SWOT SEBAGAI STRATEGI PENGEMBANGAN USAHA KOPERASI MAKMUR MANDIRI Perkasa, Ripho Delzy; Sitorus , Nurhidayanti; Siregar, Anna Wahyuni
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 7 No. 3 (2024): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v7i3.912

Abstract

Makmur Mandiri Cooperative is an economic entity that plays a crucial role in empowering the community through financial services and business development. In the dynamic context of business environment changes, cooperatives need to adopt the right strategies to strengthen their position in the market and achieve sustainable growth. One of the approaches used is the SWOT analysis, which enables cooperatives to identify strengths, weaknesses, opportunities, and threats that affect their performance and business development strategies. This journal aims to conduct an in-depth analysis of internal and external factors influencing Makmur Mandiri Cooperative and to formulate effective business development strategies. Through secondary data collection, observations, and interviews with relevant parties, this journal presents a comprehensive SWOT analysis, identifying strengths such as good reputation and loyal membership, weaknesses such as limited financial resources, opportunities such as market growth and new technologies, and threats such as intense competition and regulatory changes. The results of this SWOT analysis are then used as a basis for formulating effective action plans in the business development of Makmur Mandiri Cooperative. Proposed strategies include product diversification, effective marketing, utilization of information technology, and strategic partnerships.
The Influence of Farmers' Income and Social Status on Children's Education Emayanti, Murni; Fauza, Hendri; Perkasa, Ripho Delzy
Edunesia : Jurnal Ilmiah Pendidikan Vol. 6 No. 1 (2025)
Publisher : research, training and philanthropy institution Natural Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51276/edu.v6i1.1045

Abstract

This study used a quantitative descriptive approach and involved 161 farmers. Data were collected through questionnaires and documentation and tested for normality, homogeneity, linearity, multicollinearity, and hypothesis. The analysis results show that for the social status variable, the tcount value of 1.672 exceeds the ttable value of 1.655, which indicates that the alternative hypothesis (Ha) is accepted, which results in the approval of the null hypothesis (Ho). Multicollinearity and hypothesis. The analysis results show that for the social status variable, the tcount value of 1.672 exceeds the ttable value of 1.655, which indicates that the alternative hypothesis (Ha) is accepted, which results in the approval of the null hypothesis (Ho). Therefore, the null hypothesis is better than the alternative hypothesis. This suggests that Income does not significantly affect outcomes. The F test shows an equal influence of social status and Income on the observed variables with a significance value of 0.183. However, the calculated Fvalue (1.716) is lower than the Ftable (3.05), which indicates that the combined effect is not statistically significant. This finding indicates that, while Income has no significant impact on the variables under study, social status has a significant impact. This finding serves as a basis for improving policies that help farmers, especially regarding Income.  
Peranan Koperasi dalam Mensejahterakan Anggota pada Koperasi Pegawai Kementerian Agama Kabupaten Langkat Perkasa, Ripho Delzy; Syabrina, Lulu; Simbolon, Saripa Aini; Sabrina, Sabrina
AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis Vol. 4 No. 2 (2024): AKADEMIK: Jurnal Mahasiswa Ekonomi & Bisnis
Publisher : Perhimpunan Sarjana Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/jmeb.v4i2.781

Abstract

This research examines the role of cooperatives in improving the welfare of members of the Langkat Regency Ministry of Religion employee cooperative. The purpose of this research is to find out what cooperatives are, types of cooperatives, basic principles and principles of cooperatives, functions and objectives of cooperatives. The research approach used in writing this article is a descriptive method, namely research that attempts to describe phenomena, events and occurrences that are occurring in the present. This approach is also supported by conducting interviews and direct observation and is also supported by library methods. The results of this research show that the Langkat Regency Ministry of Religion employee cooperative has a very influential role on cooperative members, including by providing income and providing loans to members. The obstacle faced by cooperatives is bad credit. Efforts made to improve employee cooperatives at the Ministry of Religion of Langkat Regency include collecting loans from members who experience bad credit, being more selective in providing loans and giving prizes to borrowers who repay loans on time.
PERANAN TIM PENGENDALI KREDIT MACET DALAM MEMINIMALISISR TINGKAT KREDIT MACET PADA KSP. CU. HARAPAN KITA CABANG MARTUBUNG Perkasa, Ripho Delzy; Ningsih, Ika Fitria; Nurrahmadhana, Nurrahmadhana; Hasana, Hasana; Taliba, Alfiah
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.30698

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang menyebabkan kredit macet di KSP Credit Union Harapan Kita Cab. Martubung dan menggali peran serta pencapaian Tim Pengendali Kredit (TPKM) dalam menangani masalah kredit bermasalah. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara dengan enam informan yang memiliki pengetahuan dan pengalaman terkait dengan objek penelitian. Hasil penelitian menunjukkan bahwa kurangnya penilaian risiko, keterbatasan sumber daya keuangan, dan kondisi ekonomi yang tidak stabil menjadi faktor utama kredit macet. TPKM berperan dalam analisis risiko kredit, monitoring berkala, penanganan kredit bermasalah, kolaborasi dengan pihak eksternal, dan memberikan edukasi serta konseling kepada anggota. Pencapaian KSP CU Harapan Kita Cab. Martubung terlihat dari penurunan persentase kredit macet dan peningkatan keuntungan dari kredit. Kesimpulannya, manajemen risiko yang efektif dan langkah-langkah yang diambil oleh TPKM berperan penting dalam mengelola risiko kredit dan meminimalkan dampak kredit macet bagi koperasi dan anggotanya, serta membantu menjaga stabilitas finansial koperasi.
Analisis Penyelesaian Dana Macet di Koperasi Konsumen Guru dan Pegawai Negeri di Medan Area: Analysis of Settlement of Bad Funds in Teacher and Civil Servant Consumer Cooperatives in the Medan Area Perkasa, Ripho Delzy; Wulandari Prabowo, Indah Cahyaning; Siregar, Naiya Syahfitri
Absorbent Mind Vol. 4 No. 1 (2024): Psychology and Child Development
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/absorbent_mind.v4i1.5460

Abstract

The “Consumer of Teachers and Civil Servants” cooperative in developing its business has helped economic institutions that can improve the welfare of teachers and civil servants. However, the implementation of the “Consumer Teachers and Civil Servants” cooperative does not always run smoothly but can also result in problems in the cooperative such as the occurrence of bad funds which can be detrimental to the cooperative and cooperative employees. Therefore, this research aims to (1) Find out the causes of the problems faced by the “Consumer Teachers and Civil Servant” cooperative, (2) Identify solutions to these problems. The type of research method used is descriptive research, with qualitative analysis techniques proposed by Sugiyono through interviews, observation, and documentation. The research subjects are (1) Chairman of the Board (2) IT Expert (3) Administrative Executive of the “Consumer Teachers and Civil Servants” cooperative located on Jl.A.R. Hakim No. 177 A Medan Area. The results of this research show that the factors causing the occurrence of non-performing funds in the “Consumer Teachers and Civil Servants” cooperative are: (1) There is no limit for borrowing and no due date for repaying the loan (2) Lack of supervision and firmness on the part of the cooperative (3) Cooperative members borrow funds to the cooperative then borrow from the bank (4) Members have an accident or disaster. Alternative solutions to problems with non-performing funds include: (1) approaching members, (2) rescheduling, (3) reconditioning, (4) extending time.
Co-Authors Ahmad Zaki Aimansyah, Zaki Alwi, Ahmad Amalia, Rafiqah Armyliyanda, Nadia Asmoro, Windu AYU LESTARI Bangun, M. Saleh Dalimonte, Chairunnisa Dalimunthe, Nona Zanuwariska Damanik, Dwi Azri Delaila, Ifani Dwi Safitri, Dwi Emayanti, Murni Embriana, Bagus Irvan Fadlan, Izhar Fauza, Hendri Fitrianeti, Desi Haliza, Salmia HANIFAH RAHMI Harahap , Adelia Harahap, Fahma Amelia Harahap, Manna Harisnawati, Harisnawati Hasana, Hasana Hasibuan, Sarah Nadia Lamuntazor, Keysa Lubis, Ismanora Maskuri S, M. Irham Nasution, Mega Sara Ningsih, Ika Fitria Nisa, Khay Ratu Noval Noval Nurrahmadhana, Nurrahmadhana Pitaloka, Dinda Dyah Rahma, Unzila Ilaika Ramadhan , Rizky Ramadhan, Nugraha Pratama Rambe, Rohimah Marito Rina Aulia, Rina Rismawati, Lia Rizky, Muhammad Fadlan Sabrina Sabrina Salman Alfarisi Salsabila, Nazwa Simamora, Eti Damayanti Simbolon, Saripa Aini Siregar, Anna Wahyuni Siregar, Naiya Syahfitri Sitompul, Khairunnisa Sitorus , Nurhidayanti Sitorus, Masganti Sofia, Yemmi SRI RAHAYU Sulistiani, Wiwid Nur Syabrina, Lulu Syam, Nurfadhilah Taliba, Alfiah Tarigan, Khairan Syahputra Vista, Rizka Wulandari Prabowo, Indah Cahyaning Yanti Sri Wahyuni