THE SMOOTHNESS INSTALLMENT PAYMENT OF CUSTOMER DURING PANDEMIC COVID-19 (Case Study on Savings and Loan Cooperative Karya Utama Dewata (KSP KUD Payangan))

Abstrak

This covid-19 pandemic strongly affects the Indonesian economy, the community is distressed in fulfilling their life needs. Besides, many business entities are also affected by this pandemic, one of which is cooperative. Cooperatives is an economic organization owned and operated by people in the common interest. One of the types of cooperatives is the saving and loan cooperative, one of the saving and loan cooperatives affected by Covid-19 is KSP KUD Payangan located in Gianyar Regency.   The existence of this covid-19 pandemic made the installment income changed from the previous year. Therefore, the purpose of this apprenticeship is to find out the smoothness of customers in paying installments and the percentage change in installment funds during the COVID-19 pandemic. With the data in the form of installment data from 2019 and 2020 that are requested online, the author presents a percentage change of installment payment every month and includes the reason from the customer. The result of the review on this apprenticeship activity is broadly the KSP KUD Payangan decreased percentage of installment payment when compared to the previous year, the percentage decline occurred in January, the increase in February and the decline back from March to May. Cooperatives provide waivers by not enforcing fines and allowing the public to only pay the interest only in advance.