Penerapan Pancapilar Kopdit Serviam Bhakti Mandiri Dalam Meningkatkan Kesejahteraan Anggota

This article aims to explore the efforts of Serviam Bhakti Mandiri Credit Union (Koperasi Kredit SBM) in implementing the five pillars to enhance the welfare of its members. The five pillars that serve as the guiding principles of Kopdit SBM's management are education, self-reliance, solidarity, innovation, and unity in diversity. This research method is qualitative and employs data collection methods such as interviews, observations, and documentation. The research findings indicate that: (1) Kopdit SBM has implemented the education pillar through basic education, periodic education, and specialized education for members' business development. (2) The self-reliance pillar is fostered by empowering members' businesses. (3) The solidarity pillar is achieved through regular savings, wise lending, and timely repayment. (4) The innovation pillar is fostered through the use of mobile applications and spin-off actions. (5) The unity in diversity pillar is achieved through an open, democratic, and non-discriminatory management system. The positive impacts of implementing these pillars include: (1) an increase in the number of members from 27 to 4,750,000 individuals, (2) an increase in assets from Rp. 607,000 to Rp. 30 million, and (3) a PAR (Portfolio at Risk) position below 5%.