Peningkatan Kapasitas Pengurus Koperasi dalam Manajemen Risiko dan Analisis Kelayakan Kredit
DOI:
https://doi.org/10.20527/ekshum.v3i2.40Keywords:
Manajemen Risiko, Kelayakan Kredit, Analisis Kredit, koperasiAbstract
ABSTRAK: Banyak koperasi di Kalimantan Selatan mengalami keterbatasan dalam mengelola risiko dan menganalisis kelayakan kredit, sehingga berdampak pada kesehatan keuangan mereka. Program pengabdian masyarakat ini dirancang untuk meningkatkan kapasitas pengurus koperasi dalam kedua aspek tersebut melalui pelatihan terstruktur. Metode yang digunakan menggabungkan ceramah interaktif, studi kasus nyata, dan praktik langsung dalam menyusun Risk Register serta menerapkan prinsip 5C/6C dan analisis rasio keuangan. Evaluasi program menunjukkan hasil yang signifikan, dengan peningkatan nilai rata-rata peserta dari 75% menjadi 96%. Program ini menghasilkan modul pelatihan, template Risk Register, dan alat bantu analisis kredit yang siap pakai. Dapat disimpulkan bahwa pendekatan pembelajaran berbasis praktik terbukti efektif dalam meningkatkan kompetensi pengurus, meskipun diperlukan pendampingan berkelanjutan untuk memastikan implementasi yang berkesinambungan dalam tata kelola koperasi
Kata kunci : Manajemen Risiko, Kelayakan Kredit, Analisis Kredit, koperasi
ABSTRACT: creditworthiness analysis, impacting their financial health. This community service program aimed to enhance the capacity of cooperative managers in both aspects through structured training. The methods employed combined interactive lectures, real case studies, and hands-on practice in developing Risk Registers and applying 5C/6C principles alongside financial ratio analysis. Program evaluation demonstrated significant results, with participants' average scores increasing from 75% to 96%. The program yielded training modules, Risk Register templates, and ready-to-use credit analysis tools. It is concluded that practice-based learning is effective in improving managers' competencies, although continuous mentoring is required to ensure sustainable implementation within cooperative governance.
Keywords: Risk Management, Creditworthiness, Credit Analysis, Cooperatives
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Copyright (c) 2025 Ahmad Marta, Tino Kemal Fattah, Maya Rezeki Anggriani, Humaidi
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