Analisis Kredit Bermasalah pada Koperasi Simpan Pinjam di Desa Waiheru (Studi Kasus pada Koperasi Serba Usaha Dwi Eka Jaya)

Analysis of Non-Performing Loans at the Savings and Loan Cooperative in Waiheru Village (Case Study of Dwi Eka Jaya Multi-Purpose Cooperative)

  • Imelda Dina Warbanaran Program Studi Pendidikan Ekonomi FKIP Universitas Pattimura
  • Maryoni Stevanny Kainama Program Studi Pendidikan Ekonomi FKIP Universitas Pattimura
  • Theodora Florence Tomasoa Program Studi Pendidikan Ekonomi FKIP Universitas Pattimura
Keywords: non-performing loans, cooperative, risk analysis

Abstract

Savings and loan cooperatives play an important role in supporting community economies, but often face challenges related to non-performing loans that can impact the financial health of the cooperative. This study aims to identify the factors causing non-performing loans at Dwi Eka Jaya Multi-Business Cooperative in Waiheru Village. A case study with a descriptive qualitative approach was employed, utilizing observation, interviews, and documentation with 13 respondents experiencing problematic loans. The results reveal six main factors: misuse of loan funds, poor character, crop failure, business constraints, misfortune, escape, and additional borrowing from other institutions without increased income. The findings highlight the necessity for thorough debtor assessments and strengthened internal supervision systems to minimize credit risk. These insights provide a deeper understanding of risk dynamics in local cooperatives. The implications suggest the need for credit analysis training, member assistance, and strengthened creditworthiness assessment procedures to support cooperative sustainability.

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Published
2024-05-31
How to Cite
Warbanaran, I. D., Kainama, M. S., & Tomasoa, T. F. (2024). Analisis Kredit Bermasalah pada Koperasi Simpan Pinjam di Desa Waiheru (Studi Kasus pada Koperasi Serba Usaha Dwi Eka Jaya). Jurnal Pendidikan Ekonomi, 4(1), 10-20. https://doi.org/10.30598/jpe.v4.i1.p10-20

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