Risk Analysis and Risk Management of KSPPS BMT Al-Mawaddah in Health Assessment in Operational Implementation in Bangsalsari

Abstract

This study aims to determine the problems of risk practices that have been carried out in operational activities at KSPPS BMT Al-Mawaddah, Bangsalsari. In this study, descriptive qualitative research was applied using observation methods. The results of the study revealed that the existing risk level is classified as very high based on the evaluation of the health of a cooperative in general, which can be understood through the elements of the Financing Level Ratio and Problematic Receivables to Total Receivables and Financing, Service Efficiency Ratio, Cash Ratio, and Gross Participation Ratio, all of which are still far from expected. In this study, the causes faced and solutions that can be applied in the operational activities of KSPPS BMT Al-Mawaddah in Bangsalsari can be identified. Although several control efforts have been carried out, risks still occur, and there is a possibility to increase the effectiveness of their control.