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All Journal Jurnal Somasi (Sosial Humaniora Komunikasi) International Journal of Education, Social Studies, And Management (IJESSM)
Ramadhan, Nugraha Pratama
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Humanities Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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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.
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.
MERAJUT KEBERSAMAAN DI TANAH BERTUAH: INTEGRASI DAN PLURALISME DI KOTA KISARAN Ramadhan, Nugraha Pratama; Dora, Nuriza; Amanda, Ahmad
Jurnal SOMASI (Sosial Humaniora Komunikasi) Vol. 6 No. 2 (2025): Desember 2025
Publisher : CERED Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53695/js.v6i2.1301

Abstract

This research is to analyze in depth the forms of interaction and strategies of the Kisaran City community in maintaining integration and pluralism amidst the diversity of ethnicities, religions and cultures. This research employs a descriptive qualitative method with data collection techniques through in-depth interviews with various informants, including community leaders, Malay customary leaders and Islamic religious figures, Batak Christian customary leaders, and local residents. Data were collected using structured interview guidelines and analyzed thematically. The results show that harmonious life in Kisaran City is realized through social interactions based on mutual respect, joint implementation of traditions and celebrations, and the strengthening of local wisdom values such as mutual cooperation (gotong royong), deliberation (musyawarah), and mutual empathy (tepo seliro). The main challenges faced include the rapid flow of information in the globalization era, which has the potential to trigger misunderstandings, and the declining interest of the younger generation in local values. To address these issues, the community and government actively conduct socialization, strengthen communication forums, and involve the younger generation in various social and cultural activities. This study concludes that diversity in Kisaran City becomes a social strength that fosters solidarity and collective progress, provided that the values of tolerance and togetherness are continuously upheld.
Co-Authors Amanda, Ahmad Dora, Nuriza Perkasa, Ripho Delzy