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All Journal EKONOMIKA45 Jurnal Mahasiswa Kreatif Jurnal Ekonomi dan Pembangunan Indonesia
Ahmad Tarez Azhadi
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : Jurnal Ekonomi dan Pembangunan Indonesia

 1 
Strategi dan Tantangan Operasional pada KSU BONA MANDIRI JAYA di Kota Pematangsiantar Dina Saragih; Roni A Hasibuan; Dian G Purba; Grace R Naibaho; Savirgi B Amri; Stepan H Purba; Ahmad Tarez Azhadi; Sintong B Simanjuntak; Tia saragih
Jurnal Ekonomi dan Pembangunan Indonesia Vol. 3 No. 3 (2025): Agustus : Jurnal Ekonomi dan Pembangunan Indonesia
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jepi.v3i3.1481

Abstract

This study aims to analyze the marketing strategies, operational mechanisms, and key challenges faced by the Multipurpose Cooperative (KSU) BONA MANDIRI JAYA. A qualitative research approach was employed, utilizing in-depth interviews, direct observation, and document analysis as data collection methods. The results show that the cooperative adopts a direct marketing strategy targeting underserved and remote areas, combined with a personalized approach in monitoring its clients. Despite its growth, the cooperative encounters several challenges, including limited capital, low member financial literacy, non-performing loans, and the need to adapt to digital transformation. To overcome these obstacles, the cooperative implements credit restructuring policies and intensive field monitoring. The study recommends strengthening institutional capacity and adopting digital systems to enhance the sustainability and efficiency of cooperative operations.
Co-Authors Dian G Purba Dian G. Purba Dina Saragih Grace R Naibaho Jun Kifran Manik Manres Nababan Monika Siallagan Muhammad Fauzi Pawer Darasa Panjaitan Rafael E J Siregar Rafael Siregar Rizki Sahertian Rizky Sahertian Romario F D Purba Roni A Hasibuan Roni Agung Hasibuan Savirgi B Amri Sintong B Simanjuntak Stepan H Purba Tia Saragih Yosi Irawelda Saragih