LITERASI KEUANGAN DAN MANAJEMEN RISIKO DALAM UPAYA PENINGKATAN TATA KELOLA ADMINISTRATIF PADA KSP ARTHA MITRA KARYA MALANG

Abstract

This community service activity aims to improve financial literacy and risk management among cooperative members so that they can manage financial procedures and reduce the level of non-performing loans. Based on an initial assessment, it was found that low financial literacy—such as in financial management among cooperative members—and issues with non-performing loans stem from poor operational maintenance of installment payments by cooperative members. Training in financial record-keeping and risk management concepts related to credit management serves as a strategic step in improving the financial literacy of cooperative members, particularly the members and staff of KSP Artha Mitra Karya Malang. The implementation of the activity involved several stages: preparation, training delivery, and evaluation. The results of the activity indicate an improvement in cooperative members’ understanding of basic bookkeeping concepts, financial record-keeping, administrative documentation, and the mitigation of non-performing installment loans. This training successfully contributed to fostering a cooperative membership culture characterized by sound administrative practices, contributed to enhancing cooperative financial literacy, and equipped members with the skills to mitigate risks associated with non-performing loans through proper installment maintenance.

Keywords: Financial Literacy, Risk Management, Sustainable Administration, Non-Performing Loans