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Journal : Jurnal Multidisiplin Sahombu

Analysis of Diversification Strategy of Yoga Sedana Cooperative Savings Products (KSU) to Reduce Dependence on High-Interest Deposits Ni luh Putu Wulan Swandewi; Eddy Supriyadinata Gorda
Jurnal Multidisiplin Sahombu Vol. 5 No. 08 (2025): Jurnal Multidisiplin Sahombu, December (2025)
Publisher : Sean Institute

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Abstract

Koperasi Serba Usaha (KSU) Yoga Sedana is a microfinance institution that plays an important role in providing savings and loan services to the community. However, the cooperative’s dependence on high-interest deposit products poses financial risks, especially in the event of interest rate fluctuations or simultaneous withdrawals by members. This study aims to analyze the savings product diversification strategies implemented by KSU Yoga Sedana, identify the challenges and opportunities encountered, and assess their impact on the cooperative’s financial stability and member participation. The research method employed is qualitative with a descriptive approach. Primary data were obtained through interviews, observations, and documentation involving the cooperative’s management, managers, and members. Meanwhile, secondary data were collected from financial reports, internal documents, and relevant academic references. Data analysis was carried out through the stages of reduction, presentation, and conclusion drawing to explore diversification strategies and their implications for the cooperative’s financial risk management. The study reveals that over the past five years KSU Yoga Sedana has relied heavily on high-interest deposits, creating liquidity risks during interest rate shifts. Diversification strategies were implemented through products such as flexible term savings, daily savings, and thematic savings. These strategies successfully reduced the proportion of high-interest deposits and increased low-cost funds, thereby lowering dependency risks. The findings confirm that product diversification enhances financial stability and encourages member participation. Overall, diversification proves to be an essential step in strengthening the financial resilience of KSU Yoga Sedana.
Co-Authors A.A. Istri A. Maheswari A.A.N. Oka Suryadinatha Gorda A.A.N. Oka Suryadinatha Gorda Aditya, Putra Sadra Afrian Agung Setiawan Agra Gautama, Anak Agung Ngurah Agung Anak Gde Agung Hardi Wahyu Dana Anak Agung Gde Agung Parawitha Anak Agung Ngurah Oka Suryadinatha Gorda Anak Agung Ngurah Restu Gautama Ardika, Putu Novia Artnat, Diwan Sanjaya Bellya Lulu'il Husna Br Tarigan, Christine Ratna Eliba Budiana, I Nyoman Budiarta, I Made Agus Dana, Agung Anak Gde Agung Hardi Wahyu Decky Cipta Indrashwara Desak Made Febri Purnama Sari Devi Kalfika, Kadek Devi Kalfika Anggria Wardan Devianti, Amelia Dewi, Gusti Ayu Made Indrayani Dewi, Ni Putu Ita Purnama DwiCahyani Made Erin, Ni Putu Ezekiel Griffin, Dave Gauri Bhargo Gautama, Anak Agung Ngurah Restu Gede Sri Darma Gusti Arya Wilwatikta Bayu Gusti Putu Eka Kusuma Hariatna, I Gusti Ngurah Raditya Hero Lay I Dewa Made Arista Apriadi I Gede Suasnawa I Gusti Ayu Novita Pradnyasari I GUSTI AYU WIRATI ADRIATI I Gusti Ayu Yuli Kartika I Gusti Bagus Ari Pinatih I Gusti Ngurah Putra Suryanata I Gusti Ngurah Widya Hadi Saputra I Ketut Nadiasa I Made Gita Rivaldo I Made Utama Jaya Wiguna I Nyoman Subanda I Putu Kresna Saniscara Dewanta I Wayan Gede Andy Wirawan I.G.A Agung Dewi Kurnia Uthami Ida Ayu Oka Martini Ida Bagus Arya Lawa Manuaba Ida Bagus Teddy Prianthara Jamil, Nor Suhaira Jaya, Krisna Adi Jayantari, Putu Rima Jayanti, Kadek Irma Desiyana Kadek Ari Styawati Kadek Devi Kalfika Anggria Wardani Kadek Widiawati Kesuma Yuliantari, Anak Agung Ayu Komang Gita Krishna Murti Komang Laksmi Kurniati Komang Nyanyi Romayanti Komang Trisna Sari Dewi ., Komang Trisna Sari Dewi Lani Theana Lia Noviana Luh Kartika Ningsih Luh Putu Mahyuni Luh Putu Mahyuni Lusia Adinda Dua Nurak Mahayani, Ketut Riska Mahyuni, Luh Putu Melati Budi Srikandi Nandini. BG, Dev Ngurah Restu Gautama, Anak Agung Ni Gusti Agung Ayu Mas Triwulandari Ni Ketut Ayu Astiti Ni Ketut Bagiani, Ni Kadek Natalia Puspita Dewi Ni Luh Gede Cahyani Putri Ni Luh Nurkariani Ni Luh Putu Eka Yudi Prastiwi Ni Luh Putu Puspita Dewi Ni luh Putu Wulan Swandewi Ni Luh Yogiswari Ananda Laksmi Ni Made Astri Septiarini Ni Made Ayu Andriani Ratu Bulan Ni Made Ayu Trisnayanti Kusuma Ni Made Satyawati Ni Made Wulandari Ni Putu Nina Eka Lestari Ni Putu Yunita Anggreswari Ni Wayan Nitaleari Ni Wayan Novi Budiasni . Ni Wayan Putri Olga Wedanti Nitaleari, Ni Wayan Nyoman Ari Juru Oka Suryadinata Gorda, Anak Agung Ngurah Oktaviani, Ni Putu Santa Parasari, Nyoman Sri Manik Parawitha, Anak Agung Gde Agung Pinatih, I Gusti Bagus Ari Pradnya Paramitha Taqiyyaa Putri Ayu Permata Dewi Putri Ekaresty Haes Putu Eka Artha Pratama Putra R. Bagus Barend'z Amboro Ratih Dharmayanti Resmini, Komang Tri Sanju Kumar Singh Santana, I Putu Gede Adi Sri Ayuni, Ni Made Sri Fitriani, Sri Styawati, Kadek Ari Subrata, I Wayan Wisnu Swara, Pande Made Veda Agasta Utama, Putri Nurbaiti Utami, Kadek Anggi Dian Wanggai, Ezra Wardani, Kadek Devi Anggria Widiawati, Kadek Widya Rahayu Wijaya, I Gede Rizky Adi Witarini, Ni Made Widya Yasa, Kadek Tirta Yuliandari, Ni Kadek Yustina Elisabeth Ndari Resi