The effectiveness of cooperative savings and loans is one of the programs oractivities that have a savings and loan system that is implemented and managed bycooperatives in order to help people who are experiencing economic problems thatneed funds and to develop businesses. The purpose of saving and loan cooperativesis to prosper members and the community. This effort aims to increase the need andability to defend themselves and free themselves from economic difficulties.Thisresearch uses a descriptive-qualitative approach. The focus of this research is theeffectivenes of cooperative savings and loans observed from the aspects ofproduction, efficiency, satisfactio, adaptation/ flexibility, and development.Research informants were the head of the cooperative, members of the cooperative,totaling six people. Data collection used interview guidelines, while the analysistechnique used is an interactive model analysis of miles and hubernan.The resultsshowed that the effectiveness of cooperative savings and loads in the productionstage is still ineffective, which is still experiencing losses in capital which causescooperatives not to run smoothly, in the efficiency and satisfaction stage it is saidto have not been effective because, it is still not good in providing services tocustomers because of the lack of facilities and infrastructure, in the adaptationstage is still not effective because there is still a lack of leadership to adapt inproviding socialization and training for employees, and the development stage isnot yet effective because there is still a lack of employees in place and facilities inthe cooperative are inadequate. The problem is an important note for cooperativesbecause of constraints in the form of facilities and infrastructure, capital andmanagement services that are less effective that makes cooperatives not runwell.therefore, there needs to be more attention from the leadership so that itcomplements the needs of the cooperative for the sake of progress and mutualprosperity.Key word:Effectiveness, Savings and loans, Cooperative, Farming communities.