KEBIJAKAN PENGURUS KOPERASI KREDIT MEKAR SAI BANDAR LAMPUNG TERHADAP PELAKSANAAN KREDIT DI MASA PANDEMI COVID-19

Abstract

: The purpose of this study was to find out 1) the procedures for granting credit during the Covid-19 pandemic at the Mekar Sai Cooperative Savings and Loans Cooperative (KSP) in Bandar Lampung; and 2) the policy of the Kopdit Mekar Sai Cooperative management towards credit implementation during the Covid-19 pandemic. The type of research used is qualitative research, with data sources in the form of primary data and secondary data obtained from KSP Kopdit Mekar Sai. Collecting data using the method of observation, interviews, and literature study. This type of research is descriptive qualitative. The results showed that the procedures for granting credit at KSP Kopdit Mekar Sai included incoming member loan files, interviews and surveys of the location of the guarantee which were then closed for a decision, the loan file that had been approved by binding a notary immediately checked the identity of the borrower and the original certificate was then submitted to notary to be examined by the State Land Agency. Loan files that have been checked are then scheduled to be made a notarial deed. In addition, the Cooperative Management Policy regarding the implementation of credit given to Cooperative members during the Covid-19 pandemic includes rescheduling the amount of credit or loans of cooperative members in accordance with the abilities and agreements as well as credit/loan repairs by cooperatives for members. who have difficulty in fulfilling their obligations.