KEBIJAKAN KERINGANAN DENDA DI KOPERASI SIMPAN PINJAM SEDANA WERDI BR. DANGIN TANGGLUK KESIMAN PADA MASA PANDEMI COVID 19

Abstract

The presence of Covid-19 brings global challenges to create a new
social order or recovery. Financial institutions such as banks, cooperatives and
LPDs on the island of Bali are also feeling the impact of the Covid-19 virus.
Sedana Werdi Cooperative is one of the savings and loan cooperatives on the
island of Bali. The Sedana Werdi Cooperative implements several policies for its
members, one of which is the existence of fines for members who do not pay loans
and interest on time. The approach used by the author is descriptive qualitative,
namely a description based on the results of observations, interviews and validity,
which is based on the process of issuing this fines relief policy, especially in the
Sedana Werdi Cooperative Br. Dangin Tangluk Kesiman. The data collection techniques in this study were observation, interviews, and documentation. The
triangulation used is technique triangulation and source triangulation.
Triangulation technique is done by collecting data from observations, interviews,
and documentation. Source triangulation is done by collecting data through
information sources, namely through interviews with the head of the Sedana
Werdi Savings and Loans Cooperative. The Sedana Werdi Cooperative is here to
provide solutions to its members affected by the recession. The Covid-19
pandemic has had an impact on business and financial health. Based on these
conditions, the Sedana Werdi Cooperative offers its members an exemption from
the obligation to pay the previously imposed fines.