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All Journal Jurnal IUS (Kajian Hukum dan Keadilan) LEGAL BRIEF Jurnal Muhakkamah Fakultas Hukum Universitas Nahdlatul Wathan Mataram Belom Bahadat : Jurnal Hukum Agama Hindu jurnal hukum agama hindu widya kerta Jurnal Hukum Agama Hindu Widya Kerta Waisya : Jurnal Ekonomi Hindu
I PUTU PASEK BAGIARTHA W
Institut Agama Hindu Negeri Gde Pudja Mataram
Religion Decision Sciences, Operations Research & Management Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Waisya : Jurnal Ekonomi Hindu

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FAKTOR-FAKTOR YANG MEMPENGARUHI KREDIT MACET PADA KOPERASI SIMPAN PINJAM SEJAHTERA (KSP) DI KOTA MATARAM Lestari, Ni Putu Dian Ari; Sudarma, I Made; Bagiartha, I Putu Pasek
Waisya : Jurnal Ekonomi Hindu Vol 2 No 2 (2023)
Publisher : Institut Agama Hindu Negeri Gde Pudja Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53977/jw.v2i2.1570

Abstract

Cooperatives are a form of non-bank financial institutions that are already operating. One of them is a savings and loan cooperative. Savings and loan cooperative activities that provide credit to members. Borrowing from savings and loan cooperatives is faster and easier in the loan disbursement process compared to borrowing at a bank. The purpose of this study was to determine the factors that influence bad credit at the Prosperous Savings and Loans Cooperative (KSP) in the city of Mataram. The data in this study were obtained using non-participant observation methods, interviews and documentation. Data analysis techniques used data reduction, data presentation and data verification. The results of this study indicate the factors of bad credit in cooperatives that cause failures or calamities that befall members' businesses, causing cooperative members to lose their business and directly affect ongoing credit payments resulting in bad credit. Of all the problems that exist, this research provides a solution for bad credit, namely by visiting the homes of members who have bad credit so that communication does not break up between the cooperative and members who are experiencing bad credit, if it is due the credit member can pay interest on the loan before paying the loan tree.
Co-Authors Habibi Habibi Habibi Habibi Habibi I MADE SUDARMA Lestari, Ni Putu Dian Ari Rizal, Pahrur