Analisis Solusi Permasalahan Non-Performing Loan Di Koperasi Simpan Pinjam dan UMKM

Abstract

The bad credit or Non-performing Loan (NPL) in cooperative can be a problem that always happens
every year. With that, the government tries to reduce the NPL number as little as possible so the loss
does not occur. This paper uses the primary data collection method, the writers interviewed the head
of bank bukopin Cimahi’s branch and the writers also interviewed members of several cooperatives
in Bandung and Jatinangor. The results of the interview stated that the problem of bad credit was
caused by, among others, members of the cooperative who had stalled in returning their loans, the
management of the cooperative’s financial system was not good, and the business of the cooperative
being undertaken is in decline. This certainly can result the distribution of credit through the linkage
program being problematic.Seeing the problem of bad credit that occur, AKKI can be a solution for
a strategy to strengthen MSME finance, especially in terms of capital. AKKI is an independent
institution under the auspices of the Ministry of Cooperatives and Micro and Small and Medium
Enterprise that integrates credit insurance throughout the Indonesian Cooperatives, so that each
cooperative can be insured to minimize the risk of dissolving a cooperative based on the reasons of
bad credit. This research is important to read as one of the efforts to realize financial stability in
cooperatives and MSMEs, especially in the sector of capital obtained from credit by reducing the
number of Non-Performing Loans that continue to exist each year. With this, cooperatives can
increase their existence in Indonesia.