Analisis Faktor-Faktor Yang Menyebabkan Kredit Macet Pada Koperasi Swasti Sari Kelurahan Oeba Kecamatan Kota Lama Kota Kupang

SAPTA, Skolastika Putri (2020) Analisis Faktor-Faktor Yang Menyebabkan Kredit Macet Pada Koperasi Swasti Sari Kelurahan Oeba Kecamatan Kota Lama Kota Kupang. Diploma thesis, Unika Widya Mandira.

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Abstract

The formulation of the problem in this study are (1) How is the Development of Bad Credit in Swasti Sari Credit Cooperative in Oeba Village, Kota Lama District, Kupang City in 2015-2018 ?; (2) What are the factors that cause bad credit in Swasti Sari Credit Cooperative, Oeba Village, Kota Lama District, Kupang City ?; The objectives in this study are (1) To Know the Development of Bad Credit in Swasti Sari Credit Cooperative, Oeba Village, Kota Lama District, Kupang City in 2015-2018; (2) To find out the factors that cause bad credit in Swasti Sari Credit Cooperative, Oeba Village, Kota Lama District, Kupang City. The type of data used is qualitative data and quantitative data. Data collection techniques carried out by interview and documentation. The data analysis technique in this research is descriptive analysis. The results showed that: (1) Development of Bad Credit in Swasti Sari Credit Cooperative in Oeba Subdistrict, Kota Lama Subdistrict, Kupang City in 2015-2018 was experiencing an increase. Along with an increase in the number of loans, followed by an increase in the number of members in arrears. The percentage of members in arrears in 2015 was 11.49% of total loans, in 2016 the percentage of members in arrears was 11.41% of total loans, in 2017 the percentage of members in arrears was 12.21% of total loans, and in In 2018 the percentage of members in arrears was 12.41% of the total loan. (2) Factors That Cause Bad Credit in Swasti Sari Credit Cooperative, Oeba Subdistrict, Kota Lama District, Kupang City due to (1) business failure, (2) limited understanding of members in the relaxation of consumer financing Based on the results of the above research it is expected that (1), Management, supervisors and managers of cooperatives need to increase cooperation and educational programs for cooperative members must be continuously carried out for cooperative members, starting from basic education, financial education and further education for members. (2) For members of the Swasti Sari credit cooperative when they want to apply for credit to the cooperative, the loan is still in a good ratio with income. Thus, the credit will not exceed financial capacity.

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