Pengaruh Kompetensi Dan Motivasi Kerja Terhadap Kinerja Karyawan PT. Yorozu Automotive Indonesia

Cooperatives that are identical to the democratic economic system are believed to be an alternative to solving socio-economic problems. The purpose of this study was to determine the factors that cause bad credit, bad credit management, and settlement of bad credit at Kopersi KSU Kristina Karawang which is located in sarijaya Hamlet, puseurjaya Village, East Telukjambe District, Karawang Regency, West Java. This study uses a quantitative descriptive method design of data collection through primary data obtained from interviews, observations, and documentation. The results of this study indicate that the occurrence of bad credit is caused by internal and external factors. Bad credit management can reduce the negative impact of bad credit. The settlement of bad debts will help KSU to maintain the stability of KSU's finances which will affect the health of the cooperative. Handling bad credit has an impact on NPLs where the number of ratios is getting smaller. Judging from the ratios used in the study, it can be classified as quite healthy credit because the ability to supervise credit is increasingly effective.

Keywords: KSU, Credit, Bad Credit.