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Perkasa, Ripho Delzy
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Neuroscience Public Health Social Sciences Other

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Penyelesaian pinjaman bermasalah dan strategi pengembangan pada koperasi simpan pinjam “bangun mandiri” Perkasa, Ripho Delzy; Asmoro, Windu; Noval, Noval
Journal of Counseling, Education and Society Vol 5, No 1 (2024): Journal of Counseling, Education and Society
Publisher : Indonesian Institute for Counseling, Education and Theraphy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/08jces428700

Abstract

Koperasi Simpan Pinjam “BANGUN MANDIRI” dalam mengembangkan usahanya telah membantu masyarakat dalam meningkatkan taraf hidupnya. Akan tetapi dalam pelaksanaan simpan pinjam di Koperasi Simpan Pinjam “BANGUN MANDIRI” tidak selamanya berjalan dengan lancar, ada juga pelaksanaan yang berjalan kurang lancar, dan pelaksanaan yang berjalan kurang lancar ini masuk dalam kategori pembiayaan bermasalah. Pembiayaan bermasalah dapat mengakibatkan kerugian bahkan kebangkrutan bagi koperasi. Oleh sebab itu, penulisan artikel ini bertujuan untuk menganalisis penyelesaian pinjaman bermasalah dan strategi pengembangan pada koperasi simpan pinjam “bangun mandiri”. Jenis metode penelitian yang digunakan ialah penelitian deskriptif, dengan teknik analisis kualitatif yang dikemukakan oleh Miles dan Huberman melalui wawancara, observasi, dan dokumentasi. Adapun subjek penelitian ini adalah (1) Staf Kasir, (2) Staf Kredit, (3) Staf Pembukuan, dan (4) Staf Tabungan Koperasi Simpan Pinjam “BANGUN MANDIRI” yang berlokasi di Jl. Sisingamangaraja No. 253 Medan. Hasil penelitian ini menunjukkan bahwa faktor penyebab terjadinya Pinjaman Bermasalah pada Koperasi Simpan Pinjam “BANGUN MANDIRI” yaitu: (1) Tingkat suku bunga pinjaman yang cenderung tinggi, (2) Banyaknya penunggakan pembayaran, (3) Kurangnya komitmen anggota, dan (4) Minimnya keahlian dalam pengelolaan koperasi. Alternatif penyelesaian pinjaman bermasalah yang dilakukan yaitu dengan cara: (1) Penjadwalan kembali (rescheduling), (2) Persyaratan kembali (reconditioning), (3) Penataan kembali (restructuring), dan (4) Penurunan suku bunga. Dan strategi yang dilakukan dalam pengembangan Koperasi Simpan Pinjam “BANGUN MANDIRI”, yaitu: (1) Meningkatkan promosi, (1) Mempermudah persyaratan pinjaman, (3) Pengembangan produk usaha simpan pinjam, (4) Memberikan penyuluhan kepada masyarakat terkait pentingnya koperasi, dan (5) membuka cabang koperasi dibeberapa daerah.
Analisis Penyelesaian Dana Macet di Koperasi Konsumen Guru dan Pegawai Negeri di Medan Area Perkasa, Ripho Delzy; Wulandari Prabowo, Indah Cahyaning; Siregar, Naiya Syahfitri
Absorbent Mind: Journal of Psychology and Child Development Vol 4 No 1 (2024): Psychology and Child Development
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/absorbent_mind.v4i1.5460

Abstract

The “Consumer of Teachers and Civil Servants” cooperative in developing its business has helped economic institutions that can improve the welfare of teachers and civil servants. However, the implementation of the “Consumer Teachers and Civil Servants” cooperative does not always run smoothly but can also result in problems in the cooperative such as the occurrence of bad funds which can be detrimental to the cooperative and cooperative employees. Therefore, this research aims to (1) Find out the causes of the problems faced by the “Consumer Teachers and Civil Servant” cooperative, (2) Identify solutions to these problems. The type of research method used is descriptive research, with qualitative analysis techniques proposed by Sugiyono through interviews, observation, and documentation. The research subjects are (1) Chairman of the Board (2) IT Expert (3) Administrative Executive of the “Consumer Teachers and Civil Servants” cooperative located on Jl.A.R. Hakim No. 177 A Medan Area. The results of this research show that the factors causing the occurrence of non-performing funds in the “Consumer Teachers and Civil Servants” cooperative are: (1) There is no limit for borrowing and no due date for repaying the loan (2) Lack of supervision and firmness on the part of the cooperative (3) Cooperative members borrow funds to the cooperative then borrow from the bank (4) Members have an accident or disaster. Alternative solutions to problems with non-performing funds include: (1) approaching members, (2) rescheduling, (3) reconditioning, (4) extending time.
The Role of Savings and Loan Cooperatives in the Development of Micro, Small, and Medium Enterprises (MSMEs): (A Case Study on Sibotolungun Savings and Loans Cooperative (KSP) in West Medan District) Perkasa, Ripho Delzy; Safitri, Dwi; Lubis, Ismanora; Aimansyah, Zaki
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.v4i2.336

Abstract

The aim of this research is to identify the role of the Sibotolungun Savings and Loans Cooperative (KSP) in the development of Micro, Small and Medium Enterprises (MSMEs) in Medan Barat District and to determine the efforts of the Sibotolungun Savings and Loans Cooperative (KSP) in empowering the community economy in Medan Barat District . This research was conducted using qualitative analysis methods with data collection techniques through observation, interviews and documentation. The number of informants involved in this research was 4 people consisting of 1 KSP Sibotolungun employee and 3 MSME entrepreneurs. The results of this research show that: 1). The Sibotolungun Savings and Loans Cooperative (KSP) acts as a provider of capital financing for MSMEs, which contributes to economic growth and as an alternative savings institution other than banks. 2) KSP Sibotolungun’s Efforts to empower the community’s economy are carried out through providing counseling and Assistance to increase sales, so that entrepreneurs can remain competitive in the market.
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.
Efektivitas Strategi Koperasi Simpan Pinjam Surya Abadi Mandiri Dalam Meningkatkan Kesejahteraan Anggota Perkasa, Ripho Delzy; Embriana, Bagus Irvan; Salsabila, Nazwa; Rahmi, Hanifah
Widya Balina Vol 9 No 1 (2024): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/wb.v9i1.536

Abstract

Koperasi Simpan Pinjam "Surya Abadi Mandiri" didirikan dengan tujuan utama untuk membantu anggotanya mengatasi kesulitan keuangan dan meningkatkan taraf hidup mereka. Namun dalam pelaksanaannya, koperasi ini menghadapi berbagai permasalahan seperti kurangnya partisipasi aktif dari anggota serta strategi pengelolaan simpanan dan pinjaman yang belum optimal menjadi permasalahan utama yang menyebabkan potensi ketidakefisienan dalam operasional koperasi. Penelitian ini bertujuan untuk (1) Mengkaji sejauh mana strategi baru yang dilaksanakan Koperasi Simpan Pinjam "Surya Abadi Mandiri" dalam meningkatkan kesejahteraan anggota, dan (2) Untuk menganalisis partisipasi dan pemberdayaan anggota dalam mencapai kesejahteraan dalam koperasi tersebut. Subyek penelitian ini yaitu (1) Manajer, (2) Bendahara, dan (3) Staf pegawas Koperasi Simpan Pinjam "Surya Abadi Mandiri". Teknik analisis datanya menggunkan metode kualitatif dengan pendekatan deskriptif. Metode yang digunakan dalam penelitian ini meliputi wawancara, observasi, dan dokumentasi. Melalui wawancara, peneliti menganalisis aspek-aspek utama seperti strategi koperasi, partisipasi dan pemberdayaan anggota. Hasil penelitian menunjukkan bahwa koperasi berhasil menjalankan strateginya seperti, (1) Pemberian bunga pinjaman yang terjangkau, (2) Strategi "free bunga"setiap empat bulan sekali, (3) Pemberian paket lebaran , (4) Santunan atau bantuan kepada anggota yang meninggal dunia, (5) Dukungan finansial dalam berbagai acara sosial, dan (6) Memberikan amplop berisikan uang tunai kepada anggota yang hadir pada saat rapat. Koperasi juga menjamin keberhasilan dan kelangsungan operasionalnya melalui (1) Keterlibatan aktif anggota, (2) Keseimbangan antara simpanan dan pinjaman, (3) Strategi untuk meningkatkan keterlibatan anggota seperti menawarkan amplop berisi uang tunai sebagai bentuk apresiasi untuk menunjukan bahwa koperasi memahami nilai keterlibatan anggota dalam pengambilan keputusan, dan (4) Kerja sama yang berkelanjutan dengan dinas terkait untuk pengembangan koperasi. Dari hasil penelitian tersebut, dapat disimpulkan bahwa Koperasi Simpan Pinjam "Surya Abadi Mandiri" berhasil menjalankan strategi- strategi yang efektif untuk menjaga keberhasilan dan kelangsungan operasionalnya serta mencapai tujuan utamanya yaitu meningkatkan kesejahteraan anggota.
Peran dan Tantangan Koperasi dalam Pembangunan Ekonomi Masyarakat yang Berada di Desa Namo Bintang Kecamatan Pancur Batu Perkasa, Ripho Delzy; Sulistiani, Wiwid Nur
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 4 No 2 (2024): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v4i2.4687

Abstract

Cooperatives play a crucial role in the economic development of communities, especially in rural areas like Desa Namo Bintang, Kecamatan Pancur Baru. Cooperatives can be an effective means to stimulate economic growth and improve the welfare of the community. However, in fulfilling their role, cooperatives face various challenges that need to be overcome in order to provide maximum benefits to the community. This research aims to analyze the role of cooperatives in the economic development of the community in Desa Namo Bintang and identify the challenges faced by cooperatives in achieving their goals. The research methodology employed in this study is field research, including interviews and direct observations of the cooperatives in Desa Namo Bintang. The research identifies several challenges faced by cooperatives in Desa Namo Bintang. Firstly, there is a limitation of capital that affects the cooperative's ability to provide loans to its members. Secondly, the lack of access to a broader market limits the sale of cooperative products. Thirdly, the insufficient involvement of the younger generation in cooperative activities threatens the sustainability of the cooperatives in the future. In addressing these challenges, several recommendations are provided. Firstly, the government needs to provide financial and technical support to cooperatives through mentoring and training programs. Secondly, cooperatives need to innovate in product marketing and expand their networks. Thirdly, cooperatives must actively engage the younger generation by involving them in decision-making processes and providing opportunities for skill development. Keywords: cooperative, economic development, challenges, and marketing
Pengaruh Penerapan Strategi Pembelajaran Kooperatif Tipe Think Pair Share (Tps) Terhadap Hasil Belajar IPS Kelas IX MTs Negeri 2 Medan Rambe, Rohimah Marito; Sitorus, Masganti; Perkasa, Ripho Delzy
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 4 No 2 (2024): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v4i2.4750

Abstract

The aim of this study is to assess the impact of student learning outcomes via the TPS cooperative learning model on exchange materials between Asian countries and other countries in class IX MTsN2 Medan ini 2022. That’s it decided in 2023. The research conducted is a Quasi-experimental, Quantitative study. This population consist exsclusively of class IX MTsN 2 Medan. The sample for this study consisted of 32 students in grade IX-4 (the experimental class was taught using the Think Pair Share collaborative learning model) and 32 students in grade IX-5 (the control class used the traditional learning model). was taught using a test instrumen in the form of multiple choice question served as the study instrument. Data analysis was performed using the t-tes. based on the analysis of the t-test result, we found t-count > t-table, namely 13,694>1,679. and significance leval α = 0,05, dk= n1+n2 – 2 = 32+32-2 = 62. This indicates that Ha was accepted and Ho was rejected, suggesting an impact on social science learning outcomes for students using the TPS learning model. Furthermore, there are significant differences in learning outcomes for students taught using the TPS collaborative learning model and traditional learning models. this is evidenced by the average pretest score of 22,27 and the posttest average score of 75,00 for the experimental class. In the control class, the pre-test mean was 20,94 and post-test 71,33.The results of this study suggest that the sink-pair Share learning model influencess the social science learning outcomes of class IX MTsN 2 Medan. There fore, the TPS learning model is used by school social studies teachers as her one of the social studies learning options. Moreover, the TPS learning model should be able to bring more insight to school students. Keywords: Learning Outcomes, Think Pair Share, Social Studies Education
Supervision and Assistance in Resolving Problematic Loans at Tangguh Mitra Bersama Cooperative Perkasa, Ripho Delzy; Rismawati, Lia; Aulia, Rina; Delaila, Ifani
ProBisnis : Jurnal Manajemen Vol. 15 No. 3 (2024): May-June: Management Science
Publisher : Lembaga Riset, Publikasi dan Konsultasi JONHARIONO

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The Solid Partner Cooperative is a people's economic entity that plays a crucial role in supporting the local economy. However, like other financial institutions, cooperatives also face challenges in resolving problematic credits that can affect their stability and operational sustainability. Therefore, this journal adopts a qualitative research approach to analyze the coaching and assistance strategies in handling problematic credits at the Solid Partner Cooperative. The research findings indicate that a deep understanding of cooperative principles, active member involvement in decision-making, transparency and accountability in financial management, and collaboration with other financial institutions or financial experts are key factors in cooperative management coaching. A strong understanding of cooperative principles creates a solid foundation for members and cooperative managers to carry out operational activities and make strategic decisions. Active member involvement in decision-making creates a democratic and inclusive environment, strengthening member trust in the cooperative. Transparency and accountability in financial and operational management form a strong foundation for building trust and integrity among members and other stakeholders. Collaboration with other financial institutions or financial experts is an effective strategy in supporting the resolution of problematic credits. By gaining additional access to financial resources, objective advice and insights, and alternative solutions from parties with extensive knowledge and experience, cooperatives can better address credit issues.
Pelaksanaan Fungsi Manajemen: Permasalahan dan Solusi (Studi di Koperasi Simpan Pinjam Bangun Mandiri) Perkasa, Ripho Delzy; Amalia, Rafiqah; Dalimunthe, Nona Zanuwariska; Rizky, Muhammad Fadlan
AL-MIKRAJ Jurnal Studi Islam dan Humaniora (E-ISSN 2745-4584) Vol 5 No 01 (2024): Al-Mikraj, Jurnal Studi Islam dan Humaniora
Publisher : Pascasarjana Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almikraj.v5i01.5595

Abstract

This research aims to identify the problems faced by the Bangun Mandiri Savings and Loans Cooperative (KSP) and the solutions implemented to overcome them. Through a qualitative case study approach and in-depth interviews with three cooperative employees, four main problems were found: (1) borrowers stopped working; (2) the borrower runs away; (3) employees embezzle funds; and (4) low profits. KSP Bangun Mandiri addresses problems with a proactive approach, including flexible policies, communication with related parties, as well as evaluation and system updates. The research results show that through the comprehensive implementation of Planning, Organizing, Actuating and Controlling (POAC) management functions, cooperatives can maintain business continuity amidst various challenges. These findings offer insight into the internal dynamics of KSP and practical guidance for effective KSP management.
PERANAN TIM PENGENDALI KREDIT MACET DALAM MEMINIMALISISR TINGKAT KREDIT MACET PADA KSP. CU. HARAPAN KITA CABANG MARTUBUNG Perkasa, Ripho Delzy; Ningsih, Ika Fitria; Nurrahmadhana, Nurrahmadhana; Hasana, Hasana; Taliba, Alfiah
Jurnal Review Pendidikan dan Pengajaran (JRPP) Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.30698

Abstract

Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang menyebabkan kredit macet di KSP Credit Union Harapan Kita Cab. Martubung dan menggali peran serta pencapaian Tim Pengendali Kredit (TPKM) dalam menangani masalah kredit bermasalah. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan deskriptif. Data dikumpulkan melalui wawancara dengan enam informan yang memiliki pengetahuan dan pengalaman terkait dengan objek penelitian. Hasil penelitian menunjukkan bahwa kurangnya penilaian risiko, keterbatasan sumber daya keuangan, dan kondisi ekonomi yang tidak stabil menjadi faktor utama kredit macet. TPKM berperan dalam analisis risiko kredit, monitoring berkala, penanganan kredit bermasalah, kolaborasi dengan pihak eksternal, dan memberikan edukasi serta konseling kepada anggota. Pencapaian KSP CU Harapan Kita Cab. Martubung terlihat dari penurunan persentase kredit macet dan peningkatan keuntungan dari kredit. Kesimpulannya, manajemen risiko yang efektif dan langkah-langkah yang diambil oleh TPKM berperan penting dalam mengelola risiko kredit dan meminimalkan dampak kredit macet bagi koperasi dan anggotanya, serta membantu menjaga stabilitas finansial koperasi.
Co-Authors Ahmad Zaki Aimansyah, Zaki Amalia, Rafiqah Asmoro, Windu AYU LESTARI Dalimunthe, Nona Zanuwariska Delaila, Ifani Dwi Safitri, Dwi Embriana, Bagus Irvan HANIFAH RAHMI Hasana, Hasana Lubis, Ismanora Ningsih, Ika Fitria Noval Noval Nurrahmadhana, Nurrahmadhana Pitaloka, Dinda Dyah Ramadhan, Nugraha Pratama Rambe, Rohimah Marito Rina Aulia, Rina Rismawati, Lia Rizky, Muhammad Fadlan Salsabila, Nazwa Siregar, Naiya Syahfitri Sitompul, Khairunnisa Sitorus, Masganti Sofia, Yemmi Sulistiani, Wiwid Nur Taliba, Alfiah Wulandari Prabowo, Indah Cahyaning