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  3 . ‘ M b a k y u ’ k u L i a n , y a n g m e s k i p u n n a n j a u h d i s a n a t e t a p m e m b e ir k u s e m a n g a t d a n n a s i h a t y a n g m e m b u a t k u k u a .t 4 . S e l u r u h k e l u a r g a b e s a r k u y a n g s e l a l u m e m b e ir k a n d o r o n g a n s e m a n g a t d a n d o a y a n g b e r il m p a h u n t u k k u .

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  B a n y a k j e n i s k o p e r a s i y a n g d i d a s a r k a n p a d a k e s a m a a n k e g i a t a n d a n k e p e n it n g a n e k o n o m i a n g g o t a n y a s e p e tr i K o p e r a s i S i m p a n P i n j a m ( K S P ) , K o p e r a s i K o n s u m e n , K o p e r a s i P r o d u k s i , K o p e r a s i P e m a s a r a n d a n K o p e r a s i J a s a . K h u s u s k o p e r a s i y a n g d i b e n t u k o l e h g o l o n g a n f u n g s i o n a l s e p e tr i P e g a w a i N e g e ir , a n g g o t a A B R I , k a r y a w a n d a n s e b a g a i n y a b u k a n m e r u p a k a n j e n i s k o p e r a s i y a n g d a p a t d i n i k m a t i b a g i s e m u a k a l a n g a n . T a n p a m e m b e d a k a n s t a t u s u n t u k m e l a k u k a n k e g i a t a n p r o d u k s i y a n g d a p a t b e r m a n f a a t b a g i p e n i n g k a t a n k e s e j a h t e r a a n m a s y a r a k a t , m a k a p e lr u m e n u m b u h k e m b a n g k a n k o p e r a s i s i m p a n p i n j a m .

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  S a m a h a l n y a d e n g a n b a d a n u s a h a l a i n , k o p e r a s i j u g a m e m i il k i p e n g e n d a il a n i n t e r n a l y a n g d i s e b u t a n a il s i s it n g k a t k e s e h a t a n . P e n li a i a n k o p e r a s i s i m p a n p i n j a m m e il p u t i 7 a s p e k y a ti u p e r m o d a l a n , k u a l ti a s a k it v a p r o d u k t fi , m a n a j e m e n , e if s i e n s i , il k u i d ti a s , k e m a n d i ir a n d a n p e tr u m b u h a n , d a n j a it d ri i k o p e r a s i s a n g a t d i p e lr u k a n u n t u k m e n e n t u k a n s e h a t a t a u it d a k n y a k o p e r a s i d a l a m m e n j a l a n k a n u s a h a n y a . A n a il s i s it n g k a t k e s e h a t a n k o p e r a s i a k a n m e n j a d i p e n it n g b a g i b e b e r a p a p i h a k d a l a m p e r e n c a n a a n d a n p e n g a m b li a n k e p u t u s a n d i b i d a n g k e u a n g a n .

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  D a l a m b a b i n i m e n c a k u p - h a l h a l y a n g b e r h u b u n g a n d e n g a n k o p e r a s i , y a ti u p e n g e r it a n k o p e r a s i d a n k o p e r a s i s i m p a n p i n j a m , t u j u a n k o p e r a s i s i m p a n p i n j a m , p e r a n g k a t o r g a n i s a s i k o p e r a s i s i m p a n p i n j a m , l a p o r a n k e u a n g a n k o p e r a s i s i m p a n p i n j a m , P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  B a b i n i b e ir s i t e n t a n g g a m b a r a n u m u m k o p e r a s i y a n g m e n y a n g k u t s e j a r a h s i n g k a t , l o k a s i , s rt u k t u r o r g a n i s a s i , t u j u a n k o p e r a s i , d a n j e n i s y a n g d li a k u k a n k o p e r a s .i

  B V a b : A n a il s i s D a t a d a n P e m b a h a s a n D a l a m b a b i n i m e n c a k u p a n a il s i s it n g k a t k e s e h a t a n k o p e r a s i m e n u r u t P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  K o p e r a s i a d a l a h b a d a n u s a h a y a n g m e n g o r g a n i s a s i p e m a n f a a t a n d a n p e n d a y a g u n a a n s u m b e r d a y a e k o n o m i p a r a a n g g o t a n y a a t a s d a s a r p ir – n s i p p ir n s i p k o p e r a s i d a n k a i d a h u s a h a e k o n o m i u n t u k m e n i n g k a t k a n t a r a f h i d u p a n g g o t a p a d a k h u s u s n y a d a n m a s y a r a k a t d a e r a h k e jr a p a d a u m m u n y a , d e n g a n d e m i k i a n k o p e r a s i m e r u p a k a n g e r a k a n e k o n o m i r a k y a t d a n s o k o g u r u p e r e k o n o m i a n n a s i o n a l ( P S A K

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  2 , k a w h a b n a k a t a y n e m i s a r e p o a t o g g n a n a a r e t h a j e s e k n a k u j a m e m n a u j u tr e b

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  P n a g n e d g n i d n a b e s l i d a a r a c e s n a k u k a li d a h a s u l i s a h a s i s n a i g a b m e g n i s a m a h a s u a s a j a y n r a s e b - a t o g g n a g n i s a m . d a b r e t g n a y a s a j s a l a b n a ir e b m e P n a ir i d n a m e k l a d o m p a d a h r e t s a t

  . b P r k o m e d a r a c e s n a k u k a li d n a a l o l e g n e s it a . c

  : t u k ir e b . a n a a t o g g n a e K a k u b r e t n a d a l e r a k u s t a fi s r e b

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  .l a i s o s k a t a w r e b g n a y t a y k a r i m o n o k e n a k a r e g i a g U g n a d n t u r u n e M - g n a t n e t

  , k t u b e s r e t p i s n ir p n a h u r u l e s e k n a d a b i a g a b e s a y n ir i d n a k d u j u w e m i s a r e p o a b e s s u g il a k e s a h a s u

  . i s a r e p o k r e b n a p u d i h e k m a l a d n a D k a n a s k a l e m n a g n e n a

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  .

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  . c M n a d n a t a u k e k r a s a d i a g a b e s t a y k a r n a i m o n o k e r e p h o k o k r e p m e s a n n a i m o n o k e r e p n a n a h a t e k k n a g n e d l a n o i i a g a b e s i s a r e p o a y n u r u g o k o s .

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7 K i s a r e p o n a l a d o m r e P

  . n a m a j n i p l a d o m n a d i ri d n e s l a d o m i r a d i ri d r e t i s a r e p o k l a d o M M s u r a h g n a y b ij a w n a n a p m i s n a d k o k o p n a n a p m i s h a l a d a i ri d n e s l a d o i a u s e s i s a r e p o k a d a p e k a t o g g n a r a y a b i d u k a lr e b g n a y n a u t n e t e k n a g n e d i s a r e p o k a d a p . , k a d it a m a s g n a y a r a u s k a h i k il i m e m a t o g g n a p a i T

  M i ri d n e s l a d o . i s a r e p o k a d a p a t o g g n a l a d o m a y n r a s e b a d a p g n u t n a g r e t ir a d l a s a r e b t a p a d ( 1 4 l a s a p U U g n a t n e t

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  . a k o k o p n a n a p m i S S p m i a y n k a y n a b a m a s g n a y g n a u h a l m u j e s h a l a d a k o k o p n a n a b ij a w g n a y k a d a p e k a t o g g n a h e l o n a k r a y a b i d k u s a m t a a s a d a p i s a r e p o

  S a m a l e s i l a b m e k l i b m a i d t a p a d k a d it k o k o p n a n a p m i . a t o g g n a i d a j n e m . a t o g g n a i d a j n e m h i s a m n a t u k g n a s r e b g n a y

  . b b ij a w n a n a p m i S S b ij a w n a n a p m i k a d it g n a y u t n e tr e t n a n a p m i s h a l m u j h a l a d a j a w g n a y a m a s s u r a h k a d a p e k a t o g g n a h e l o r a y a b i d b i m a l a d i s a r e p o

  S l i b m a i d t a p a d k a d it b ij a w n a n a p m i . u t n e tr e t n a t a p m e s e k n a d u t k a w . a t o g g n a i d a j n e m h i s a m n a t u k g n a s r e b g n a y a m a l e s il a b m e k

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  1 c . S i m p a n a n s u k a r e l a

  S i m p a n a n s u k a r e l a a d a l a h s e j u m l a h u a n g d e n g a n n li a i t e tr e n t u y a n g d i s e r a h k a n o l e h a n g g o t a j( u g a b u k a n a n g g o t a ) k e p a d a k o p e r a s i a t a s k e h e n d a k s e n d i ir s e b a g a i s i m p a n a n . d . D a n a c a d a n g a n

  D a n a c a d a n g a n a d a l a h s e j u m l a h u a n g y a n g d i p e r o l e h d a r i p e n y i s i h a n s i s a h a s i l u s a h a , y a n g d i m a k s u d k a n u n t u k m e m u p u k m o d a l s e n d ri i d a n u n t u k m e n u t u p k e r u g i a n k o p e r a s i b li a d i p e lr u k a n . e . H i b a h

  H i b a h a d a l a h s e j u m l a h u a n g a t a u b a r a n g m o d a l y a n g d a p a t d i n li a i d e n g a n u a n g y a n g d ti e ir m a d a r i p i h a k l a i n y a n g b e r s fi a t h i b a h / p e m b e ir a n d a n it d a k m e n g i k a .t

  U n t u k p e n g e m b a n g a n u s a h a n y a , k o p e r a s i d a p a t m e n g g u n a k a n m o d a l p i n j a m a n d e n g a n m e m p e r h a it k a n k e l a y a k a n d a n k e l a n g s u n g a n u s a h a n y a . M o d a l p i n j a m a n t e r s e b u t d a p a t b e r a s a l d a ir ( p a s a l

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  9 2 t e n t a n g P e r k o p e r a s i a n ) : a . A n g g o t a P i n j a m a n y a n g d i p e r o l e h d a r i a n g g o t a , t e r m a s u k c a l o n a n g g o t a y a n g m e m e n u h i s y a r a .t b . K o p e r a s i l a i n n y a d a n / a t a u a n g g o t a n y a

  P i n j a m a n d a r i K o p e r a s i l a i n n y a d a n / a t a u a n g g o t a n y a d i d a s a r i d e n g a n p e jr a n ij a n k e jr a s a m a a n t a r k o p e r a s .i

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  D k u t n u r a s a . s i n e j a p a r e b e b m a l a d n a k g n o l o g i h a l a d a i s a r e p o k s i n e j n a k u t n e n e m a d a p n a k r a s a d n e m a g g n a t h a m u r a l o p n a ri k i m e p r a s a d i a g a b e s t u n a i d n a d i m o n o k e m a l a d i s a r e p o k n a s i n e j n e p

  , i s m u s n o k g n e m n a t a i g e k n e m u s n o k i a g a b e s a t o

  K s a ti t n e d i i k il i m e m a y n a t o g g n a n a k a p u r e m n e m u s n o k i s a r e p o ( k il i m e p i a g a b e s r e n w o ( n a g g n a l e p i a g a b e s n a d ) r e m o t s u c m a l a D . ) g g n a n a k u d u d e k

  8 M 2 : K U K n a ir :i n k a y , . a n e m u s n o K i s a r e p o K

  9 1 n u h a t 5 2 r o m o n g n a d n u g n a t n e t n a i s a r e p o k r e P k n a d , i s a r e p o g n o l o g i d a m il m a l a d e k n a k s i n e j t n e m e K ( e )

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  . a y n n i a l a s a j n a d i s e f o r p a s a j ,i s a tr o p s n a rt a s a j ,i s n a r u s a a s a j , n a a y a i b m e p U g n a d n t u r u n e M –U g n a d n N

  K a h a s u n a k u k a l e m t a p a d i s a r e p o - a h a s u n a d a b a n a m i a g a b e s a h a s u ,r n a d n a g n a u e k a s a j u t k a f u n a m i rt s u d n i , n a g n a g a d r e p r o t k e s i d i tr e p e s , n i a l

  . m u m u a r a c e s n a r a w a n e p i u l a l e m k a d it n a k u k a li d .

  . e . h a s g n a y n i a l r e b m u S S g n a y a t o g g n a n a k u b i r a d n a m a j n i p h a l a d a h a s g n a y n i a l r e b m u

  P a y n n i a l g n a t u h t a r u s n a d i s a g il b o n a ti b r e n e P n a k r a s a d r e b n a k u k a li d a y n n i a l g n a t u h t a r u s n a d i s a g il b o n a ti b r e n e a r u t a r e p n a u t n e t e k g n a d n u r e p n - . u k a lr e b g n a y n a g n a d n u

  P n a k u k a li d a y n n i a l n a g n a u e k a g a b m e l n a d k n a b i r a d n a m a j n i g n a d n u r e p n a r u t a r e p n a u t n e t e k n a k r a s a d r e b - . u k a lr e b g n a y n a g n a d n u . d

8 K i s a r e p o s i n e J

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  3 t( e r m a s u k k o n s u m s i o l e h p r o d u s e n ) a d a l a h p e n g g u n a a n m e n g k o n s u m s i b a r a n g j/ a s a y a n g d i s e d i a k a n o l e h p a s a r . S e h i n g g a p e r s o a l a n y a n g d i h a d a p i k o n s u m e n a d a l a h b a g a i m a n a m e m p e r it n g g i d a y a b e il , d i m a n a p e n d a p a t a n r ii l a n g g o t a m e n j a d i m e n i n g k a t . F u n g s i p o k o k k o p e r a s i i n i a d a l a h m e n y e l e n g g a r a k a n : 1 ) P e m b e il a n a t a u p e n g a d a a n b a r a n g j/ a s a k e b u t u h a n a n g g o t a y a n g d li a k u k a n s e c a r a e if s i e n , s e p e tr i m e m b e l i d a l a m j u m l a h y a n g l e b i h b e s a r .

  2 ) I n o v a s i p e n g a d a a n , s e p e tr i s u m b e r d a n a k r e d i t d e n g a n b u n g a y a n g l e b i h r e n d a h , p e m b e il a n d e n g a n d i s k o n , p e m b e il a n d e n g a n p e m b a y a r a n d ti u n d a d a n l a i n n y a . b . K o p e r a s i P r o d u s e n

  K o p e r a s i p r o d u s e n m e r u p a k a n k o p e r a s i d i m a n a a n g g o t a n y a m e m i il k i i d e n t ti a s s e b a g a i p e m i il k ( o w n e r ) n d a p e n g g u n a p e l a y a n a n ( u s e r ) . D a l a m k e d u d u k a n n y a s e b a g a i p r o d u s e n , a n g g o t a k o p e r a s i p r o d u s e n p e n g o l a h i n p u t m e n j a d i o u t p u t m e n g h a s li k a n s e j u m l a h l a b a d e n g a n m e m a n f a a t k a n p a s a r y a n g a d a . T u g a s k o p e r a s i i n i a d a l a h m e m p e jr u a n g k a n a g a r l a b a y a n g d i d a p a t a n g g o t a m e n i n g k a t d e n g a n m e l a k s a n a k a n f u n g s ,i s e p e tr :i 1 ) P e m b e il a n a t a u p u n p e n g a d a a n i n p u t y a n g d i p e lr u k a n a n g g o t a .

  2 ) P e m a s a r a n h a s i l p r o d u k s i ( o u t p u t ) u s a h a a n g g o t a .

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  1

  4 3 ) P r o s e s p r o d u k s i b e r s a m a a t a u p e m a n f a a t a n s a r a n a p r o d u k s i s e c a r a b e r s a m a , m i s a l n y a m e s i n / a l a t t e l e k o m u n i k a s i / k a n t o r p e m a s a r a n d a n l a i n – n l . a i 4 ) T a n g g u n g a n r e s i k o b e r s a m a . c . K o p e r a s i P e m a s a r a n

  K o p e r a s i p e m a s a r a n s e ir n g j u g a d i s e b u t k o p e r a s i d i m a n a

  o w n e r s e ll e r

  i d e n t ti a s a n g g o t a a d a l a h s e b a g a i p e m i il k ( ) d a n p e n j u a l ( ) a t a u p e m a s a r . K o p e r a s i p e m a s a r a n m e m p u n y a i f u n g s i m e n a m p u n g p r o d u k y a n g d i h a s li k a n a n g g o t a p r o d u s e n u n t u k d i p a s a r k a n k e p a d a k o n s u m e n . D e n g a n d e m i k i a n b a g i a n g g o t a , k o p e r a s i m e r u p a k a n b a g i a n t e r d e p a n d a l a m p e m a s a r a n p r o d u k a n g g o t a p r o d u s e n . K e s u k s e s a n f u n g s i p e m a s a r a n i n i m e n j a d i s u a t u k e p a s it a n b a g i a n g g o t a u n t u k t e t a p d a p a t b e r p r o d u k s .i d . K o p e r a s i S i m p a n P i n j a m

  K o p e r a s i s i m p a n p i n j a m a d a l a h k o p e r a s i d i m a n a a n g g o t a n y a m e m i il k i i d e n t ti a s g a n d a y a ti u s e b a g a i p e m i il k ( o w n e r ) d a n n a s a b a h

  c u s t o m e r s

  ( ) . D a l a m k e d u d u k a n s e b a g a i n a s a b a h , a n g g o t a m e l a k s a n a k a n k e g i a t a n m e n a b u n g d a n m e m i n j a m d a l a m b e n t u k k r e d i t k e p a d a k o p e r a s i .

  P e l a y a n a n k o p e r a s i k e p a d a a n g g o t a y a n g m e n a b u n g m e r u p a k a n s u m b e r m o d a l b a g i k o p e r a s i . P e n g h i m p u n a n d a n a d a r i a n g g o t a ti u m e n j a d i m o d a l y a n g o l e h k o p e r a s i d i s a l u r k a n d a l a m b e n t u k k r e d i t k e p a d a a n g g o t a d a n c a l o n a n g g o t a . D e n g a n c a r a i n li a h k o p e r a s i

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  5 m e l a k s a n a k a n f u n g s i i n t e r m e d i a s i d a n a m i il k a n g g o t a u n t u k d i s a l u r k a n d a l a m b e n t u k k r e d i t k e p a d a a n g g o t a y a n g m e m b u t u h k a n .

  P e n y e l e n g g a r a a n k e g i a t a n s i m p a n p i n j a m o l e h k o p e r a s i d li a k s a n a k a n d a l a m b e n t u k / w a d a h k o p e r a s i s i m p a n p i n j a m ( K S P ) d a n a t a u u n i t s i m p a n p i n j a m ( U S P ) k o p e r a s .i e . K o p e r a s i J a s a

  K o p e r a s i j a s a a d a l a h k o p e r a s i d i m a n a i d e n t ti a s a n g g o t a s e b a g a i p e m i il k d a n n a s a b a h k o n s u m e n j a s a d a n a t a u p r o d u s e n j a s a . D a l a m s t a t u s a n g g o t a s e b a g a i k o n s u m e n j a s a , m a k a k o p e r a s i y a n g d i d i ir k a n a d a l a h k o p e r a s i p e n g a d a a n j a s a . S e d a n g k a n d a l a m s t a t u s a n g g o t a s e b a g a i p r o d u s e n j a s a , m a k a k o p e r a s i y a n g d i d i ir k a n a d a l a h k o p e r a s i p r o d u s e n j a s a a t a u k o p e r a s i p e m a s a r a n j a s a . S e b a g a i k o p e r a s i p e m a s a r a n , b li a m a n a k o p e r a s i m e l a k s a n a k a n f u n g s i m e m a s a r k a n j a s a h a s i l p r o d u k s i a n g g o t a .

  . K o p e r a s i S i m p a n P i n j a m B

  K o p e r a s i s i m p a n p i n j a m m e n u r u t W i d i y a n it (

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  5 4 ) a d a l a h k o p e r a s i y a n g b e r g e r a k d a l a m l a p a n g a n u s a h a p e m b e n t u k a n m o d a l m e l a l u i t a – b u n g a n t a b u n g a n p a r a a n g g o t a s e c a r a t e r a t u r d a n t e r u s m e n e r u s u n t u k k e m u d i a n d i p i n j a m k a n k e p a d a p a r a a n g g o t a d e n g a n c a r a m u d a h , m u r a h , c e p a t , d a n t e p a t u n t u k t u j u a n p r o d u k it f d a n k e s e j a h t e r a a n . K o p e r a s i s i m p a n p i n j a m d i d i ir k a n u n t u k m e m b e r i k e s e m p a t a n k e p a d a a n g g o t a n y a m e m p e r o l e h p i n j a m a n d e n g a n m u d a h d a n d e n g a n o n g k o s ( b u n g a ) y a n g ir n g a n .

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  . n a i s a r e p o k r e p p a d a h r e t a y n a t o g g n a n a u h a t e g n e p h a b m a n e , t i n u n a d m a j n i p n a p m i s i s a r e p o k n a m a j n i p n a k ir e b m e m m a l a D j n i p n a p m i s g n a y n a m a j n i p n a ir e b m e p p i s n ir p h u g e t g n a g e m e m b ij a w m a n a u p m a m e k n a d n a k a y a l e k n a i a li n e p n a k it a h r e p m e m n a g n e d t a h e s

  . a k e r e m n a t a p a d n e p i r a d . d M

  .i ri d n e s l a d o m k u t n e b m e m a g g n i h e s . c M t a m e h r e b p u d i h a y n a t o g g n a k i d i d n e n a i g a b e s n a k h i s i y n e m n a g n e d

  . b M a r a c e s n a p m i y n e m t a i g a y a p u s a t o g g n a a r a p a d a p e k k i d i d n e r u t a r e t

  . a M n a k h u t u b m e m t a g n a s g n a y a t o g g n a a r a p t i d e r k n a u lr e p e k u t n a b m e t a r a y s n a g n e d – . n a g n ir g n a y t a r a y s

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  2 1 m e n y a t a k a n b a h w a p e r a n g k a t o r g a n i s a s i k o p e r a s i t e r d ri i d a r :i a . R a p a t A n g g o t a R a p a t A n g g o t a m e r u p a k a n p e m e g a n g k e k u a s a a n t e r it n g g i d a l a m K o p e r a s i . R a p a t A n g g o t a d i h a d ri i o l e h a n g g o t a y a n g p e l a k s a n a a n n y a d i a t u r d a l a m A n g g a r a n D a s a r . R a p a t A n g g o t a b e r h a k m e m i n t a k e t e r a n g a n d a n p e tr a n g g u n g j a w a b a n P e n g u r u s d a n P e n g a w a s

  .

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  9 2 t e n t a n g P e r k o p e r a s i a n , p e n g u r u s m e r u p a k a n p e r w a k li a n a n g g o t a y a n g d i p i il h d a r i d a n o l e h a n g g o t a k o p e r a s i d a l a m R a p a t A n g g o t a d a n p e n g u r u s m e r u p a k a n p e m e g a n g k u a s a R a p a t A n g g o t a . S e t e l a h t a h u n b u k u K o p e r a s i d ti u t u p , p a il n g l a m b a t 1 ( s a t u ) b u l a n s e b e l u m d i s e l e n g g a r a k a n r a p a t a n g g o t a t a h u n a n , P e n g u r u s m e n y u s u n l a p o r a n t a h u n a n y a n g m e m u a t s - e k u r a n g k u r a n g n y a : 1 ) P e r h ti u n g a n t a h u n a n y a n g t e r d ri i d a r i n e r a c a a k h ri t a h u n b u k u y a n g b a r u l a m p a u d a n p e r h ti u n g a n h a s i l u s a h a d a r i t a h u n y a n g b e r s a n g k u t a n s e tr a p e n j e l a s a n a t a s d o k u m e n t e r s e b u .t

  2 ) K e a d a a n d a n u s a h a K o p e r a s i s e tr a h a s i l u s a h a y a n g d a p a t d i c a p a .i

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  P e n g a w a s m e r u p a k a n p e r w a k li a n y a n g d i p i il h d a r i d a n o l e h a n g g o t a K o p e r a s i d a l a m R a p a t A n g g o t a . P e n g a w a s j u g a b e tr a n g g u n g j a w a b k e p a d a R a p a t A n g g o t a s a m a s e p e tr i P e n g u r u s . P e n g a w a s b e tr u g a s m e l a k u k a n p e n g a w a s a n t e r h a d a p p e l a k s a a n k e b ji a k s a n a a n d a n p e n g e l o l a a n k o p e r a s i d a n m e m b u a t l a p o r a n t e r t u il s t e n t a n g h a s i l p e n g a w a s a n n y a d a n h a r u s m e r a h a s i a k a n h a s i l p e n g a w a s a n n y a t e r h a d a p p i h a k k e it g a s e s u a i d e n g a n y a n g t e l a h d ti e t a p k a n d a l a m U U N o .

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3 L a p o r a n k e u a n g a n k o p e r a s i m e r u p a k a n b a g i a n d a r i s i s t e m

  p e l a p o r a n k e u a n g a n k o p e r a s i d a n m e r u p a k a n l a p o r a n p e tr a n g g u n g j a w a b a n p e n g u r u s t e n t a n g t a t a k e h i d u p a n k o p e r a s i . T u j u a n l a p o r a n k e u a n g a n k o p e r a s i a d a l a h u n t u k m e n y e d i a k a n i n f o r m a s i y a n g b e r g u n a b a g i p e m a k a i u t a m a d a n p e m a k a i l a i n n y a ( S i it o ,

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  . k e p s a i a g a b r e b n a k it a h r e p m e m P i s i d n o k h a l a d a S U n a d P S K n a t a h e s e K , t a h e s g n a r u k , t a h e s p u k u c , t a h e s n a k a t a y n i d g n a y i s a r e p o k n a a d a e k u a t a

  K n a p m i s i s a r e p o k k u s a m r e t n a g n a u e k a g a b m e l u t a u s n a t a h e s e n a k a p u r e m m a j n i p n a p m i s t i n u n a d m a j n i p g n a y k a h i p a u m e s n a g n it n e p e k P n a g n e d n a k u k a li d n a t a h e s e k n a i a li n e . t u b e s r e t i s a r e p o k n a g n e d n a ti a k r e b

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  m e m b e ir k a n p e d o m a n k e p a d a p e j a b a t p e n li a i , g e r a k a n k o p e r a s i , d a n m a s y a r a k a t a g a r K S P d a n U S P K o p e r a s i d a p a t m e l a k u k a n k e g i a t a n u s a h a s i m p a n p i n j a m , b e r d a s a r k a n p ir n s i p k o p e r a s i s e c a r a p r o f e s i o n a l , s e s u a i d e n g a n p ir n s i p k – e h a it h a it a n d a n k e s e h a t a n , s e h i n g g a d a p a t m e n i n g k a t k a n k e p e r c a y a a n d a n m e m b e ir k a n m a n f a a t y a n g s e b e s a r b e s a r n y a k e p a d - a a n g g o t a d a n m a s y a r a k a t d i s e k ti a r n y a .

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  . m a j n i p n a p m i s ti n . 2 n a it il e n e P k e j b O

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  B P n a it il e n e u t k a W n a d t a p m e T .

  . u t n e tr e t u t k a w .

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  P 7 N M S r u m k a M t a u K l a g g n u n a M

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  I L E N E P E D O T E M . A P n a it il e n e s i n e J

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  2 9 s a m p a i d e n g a n

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  1 . O b s e r v a s i O b s e r v a s i m e r u p a k a n t e k n i k a t a u p e n d e k a t a n u n t u k m e n d a p a t k a n d a t a d e n g a n c a r a m e l a k u k a n p e n g a m a t a n s e c a r a l a n g s u n g p a d a o b j e k p e n e il it a n m e n g e n a i b a g i a n / u n i t s i m p a n p i n j a m a g a r m e m p e r o l e h g a m b a r a n y a n g j e l a .s

  2 . W a w a n c a r a W a w a n c a r a m e r u p a k a n t e k n i k p e n g u m p u l a n d a t a d e n g a n c a r a m e n g a j u k a n p e tr a n y a a n s e c a r a l a n g s u n g k e p a d a p – i h a k p i h a k y a n g a d a d a l a m k o p e r a s i d a l a m h a l i n i p e n g u r u s , p e n g a w a s , d a n p e n g e l o l a u n t u k m e m p e r o l e h i n f o r m a s i y a n g d i p e lr u k a n .

  3 . D o k u m e n t a s i D o k u m e n t a s i m e r u p a k a n t e k n i k p e n g u m p u l a n d a t a d e n g a n c a r a m e n g u m p u l k a n d a n m – e m p e l a j a r i d o k u m e n d o k u m e n y a n g a d a d i k o p e r a s .i

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  1 . M e l a k u k a n P e n li a i a n A s p e k K e s e h a t a n K o p e r a s i S i m p a n P i n j a m D a l a m m e l a k u k a n p e n li a i a n k e s e h a t a n k o p e r a s i s i m p a n p i n j a m t e r d a p a t b e b e r a p a a s p e k y a n g p e lr u d i p e r h a it k a n y a ti u a s p e k p e r m o d a l a n , k u a l ti a s a k it v a p r o d u k t fi , m a n a j e m e n , e if s i e n s i , il k u i d ti a s , k e m a n d i ir a n d a n p e tr u m b u h a n , j a it d ri i k o p e r a s i s e s u a i d e n g a n P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  M o d a l S e n d i r i × 0 1 % T o t a l A s e t

  a ) U n t u k r a s i o a n t a r a m o d a l s e n d ri i d e n g a n t o t a l a s e t l e b i h k e c i l a t a u s a m a d e n g a n % d i b e ir k a n n li a i . b ) U n t u k s e it a p k e n a i k a n r a s i o 4 % m u l a i d a r i % n li a i d ti a m b a h 5 d e n g a n m a k s i m u m n li a i

  1 . c ) U n t u k r a s i o l e b i h b e s a r d a r i 6 % s a m p a i r a s i o 1 % s e it a p k e n a i k a n r a s i o

  4 % n li a i d i k u r a n g i 5 . d ) N li a i d i k a il k a n b o b o t s e b e s a r 6 % d i p e r o l e h s k o r p e r m o d a l a n .

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  2

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  M o d a l S e n d i r i × 0 1 % P i n j a m a n D i b e r i k a n y a n g B e r e s i k o

  a ) U n t u k r a s i o m o d a l s e n d ri i t e r h a d a p p i n j a m a n d i b e ir k a n y a n g b e ir s i k o l e b i h k e c li / s a m a d e n g a n % d i b e r i n li a i . b ) U n t u k s e it a p k e n a i k a n r a s i o 1 % m u l a i d a r i % n li a i d ti a m b a h

  1 d e n g a n n li a i m a k s i m u m 1 . c ) N li a i d i k a il k a n b o b o t s e b e s a r 6 % , m a k a d i p e r o l e h s k o r p e r m o d a l a n .

  T a b e l 3 . 2 . S t a n d a r P e r h ti u n g a n S k o r R a s i o M o d a l S e n d i ir t e r h a d a p P i n j a m a n D i b e ir k a n y a n g B e ir s i k o ( P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  K S P d a n U S P K o p e r a s i y a n g t e r d a p a t p a d a n e r a c a d e n g a n b o b o t p e n g a k u a n ir s i k o . d ) M e n g h ti u n g n li a i A T M R d li a k u k a n d e n g a n c a r a m e n j u m l a h k a n h a s i l p e r k a il a n n li a i n o m i n a l a k it v a y a n g a d a d a l a m n e r a c a d e n g a n b o b o t ir s i k o - m a s i n g m a s i n g k o m p o n e n a k it v a .

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  2

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  ( R P M ) s e b a g a i b e ir k u :t .i 5 % d a r i p i n j a m a n d i b e ir k a n y a n g k u r a n g l a n c a r ( P K L ) i .i

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  T a b e l 3 .

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  5 % d i p e r o l e h s k o r T a b e l 3 . 6 . S t a n d a r P e r h ti u n g a n R a s i o C a d a n g a n R i s i k o t e r h a d a p R i s i k o P i n j a m a n B e r m a s a l a h ( P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k

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  2 M 1 m u m u n e m e j a n a . n a a y n a tr e p i s i s o p m o k n a g n e d .) ” a y “ n a a y n a tr e p n a b a w a j p a it e s k u t n u i a li n

  3 T b a 7 .

  6

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  3 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  6 p e tr a n y a a n ( b o b o t 3 a t a u , 5 n li a i u n t u k s e it a p j a w a b a n p e tr a n y a a n “ y a ” .)

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  5 p e tr a n y a a n ( b o b o t 3 a t a u , 6 n li a i u n t u k s e it a p j a w a b a n p e tr a n y a a n “ y a ” .) T a b e l 3 . 1 . S t a n d a r P e r h ti u n g a n M a n a j e m e n P e r m o d a l a n ( P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  M 5 s a ti d i u k il n e m e j a n a . n a a y n a tr e p i s i s o p m o k n a g n e d .) ” a y “ n a a y n a tr e p n a b a w a j p a it e s k u t n u i a li n 6 , u a t a

  ( 3 t o b o b

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  3

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  3 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  3

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  1 5 % d i b e r i n li a i 5 , s e l a n j u t n y a s e it a p p e n u r u n a n r a s i o 1 % n li a i d ti a m b a h 5 s a m p a i d e n g a n m a k s i m u m n li a i 1 . b ) N li a i d i k a il k a n d e n g a n b o b o t s e b e s a r 2 % d i p e r o l e h s k o r p e n li a i a n .

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  5 1 a g g n i h i a li n i r e b i d 1 o i s a r k u t n u ,

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  . a y n i k il i m i d g n a y t e s . e s a ti d i u k i L

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  )

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  S H U s e b e l u m P a j a k × 0 1 %

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  2 5 , u n t u k s e it a p k e n a i k a n r a s i o 2 , 5 % n li a i d ti a m b a h

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  :t u k ir e b i a g a b e s n a k p a t e ti d a y n n a g n u ti h r e p ) a

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  ) % ( S r o k 3 ≤

  5

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4 T a b e l 3 . 2 . S t a n d a r P e r h ti u n g a n R a s i o K e m a n d i ir a n O p e r a s i o n a l ( P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  4 g . J a it d ri i K o p e r a s i P e n li a i a n a s p e k j a it d ri i k o p e r a s i d i m a k s u d k a n u n t u k m e n g u k u r k e b e r h a s li a n k o p e r a s i d a l a m m e n c a p a i t u j u a n n y a y a ti u m e m p r o m o s i k a n e k o n o m i a n g g o t a . A s p e k p e n li a i a n j a it d ri i k o p e r a s i m e n g g u n a k a n

  2 ( d u a ) r a s i o , y a ti u : 1 ) R a s i o P a r it s i p a s i B r u t o R a s i o p a r it s i p a s i b r u t o a d a l a h it n g k a t k e m a m p u a n k o p e r a s i d a l a m m e l a y a n i a n g g o t a , s e m a k i n it n g g /i b e s a r p e r s e n t a s e n y a s e m a k i n b a i k . P a r it s i p a s i b r u t o a d a l a h k o n t ir b u s i a n g g o t a k e p a d a k o p e r a s i s e b a g a i i m b a l a n p e n y e r a h a n j a s a p a d a a n g g o t a y a n g m e n c a k u p b e b a n p o k o k d a n p a r it s i p a s i n e t o . P e n g u k u r a n r a s i o p a r it s i p a s i b r u t o d ti e t a p k a n s e b a g a i b e ir k u :t

  P a r it s i p a s i B r u t o × 0 1 %

  P a r it s i p a s i B r u t o P + e n d a p a t a n a ) U n t u k r a s i o l e b i h k e c li d a r i 2 5 % d i b e r i n li a i

  2 5 d a n u nt u k s e it a p k e n a i k a n r a s i o 2 5 % n li a i t a m b a h d e n g a n

  2 5 s a m p a i d e n g a n r a s i o l e b i h b e s a r d a r i n li a i 7 5 % m a k s i m u m 1 . b ) N li a i d i k a il k a n d e n g a n b o b o t 7 % d i p e r o l e h s k o r p e n li a i a n .

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  P k p a t e ti d a t o g g n a i m o n o k e i s o m o r p o i s a r n a r u k u g n e i a g a b e s n a

  5

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  1

  7

  7 ) 2 a t o g g n A i m o n o k E i s o m o r P o i s a R ) A E P (

  R t a a f n a m n a k ir e b m e m i s a r e p o k n a u p m a m e k r u k u g n e m i n i o i s a n a g n e d i s a r e p o k a y a i b i s n e i s if e t a a f n a m n a d i s a p i s it r a p i s n e i s if e

  , i g g n it n i k a m e s b ij a w n a n a p m i s n a d k o k o p n a n a p m i s . k i a b n i k a m e s a y n e s a t n e s r e p

  :t u k ir e b ) a

  7

  % o i s a r k u t n u n a d i a li n i r e b i d U 5 i r a d l i c e k h i b e l o i s a r k u t n S p a it e s k u t n u a y n t u j n a l e .

  5 i a li n i r e b i d 5 , 7 a g g n i h 5 a r a t n a i a li n n a g n e d i a p m a s

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  2 o i s a r n a k i a n e k m u m i s k a m .

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  × 0 1 %

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  1 2 . T 3 l e b a . p i s it r a P o i s a R n a g n u ti h r e P r a d n a t S o t u r B i s a n a r u t a r e P (

  . o N a i s e n o d n I k il b u p e R M K U n a d i s a r e p o K a r a g e N i r e t n e M

  )

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  4

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  ) % ( S r o k

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  5

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  2 T a b e l 3 .

  2 2 . S t a n d a r P e r h ti u n g a n R a s i o P r o m o s i E k o n o m i A n g g o t a ( P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

  1 4 / P E R / M . K U K M /

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  R a s i o P E A N li a i S k o r ( % )

  ≤

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  1

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  2

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  3 2 . M e l a k u k a n P e n li a i a n T i n g k a t K e s e h a t a n K o p e r a s i S i m p a n P i n j a m B e r d a s a r k a n h a s i l p e r h ti u n g a n p e n li a i a n t e r h a d a p 7 a s p e k y a n g d i n li a i s e l a m a

  3 t a h u n , y a ti u a s p e k a s p e k p e r m o d a l a n , k u a l ti a s a k it v a p r o d u k t fi , m a n a j e m e n , e if s i e n s i , il k u i d ti a s , k e m a n d i ir a n d a n p e tr u m b u h a n , j a it d ri i k o p e r a s i , m a k a l a n g k a h s e l a n j u t n y a y a n g d li a k u k a n a d a l a h m e m a s u k k a n h a s i l p e r h ti u n g a n k e d a l a m t a b e l p e n li a i a n k e s e h a t a n K o p e r a s i S i m p a n P i n j a m .

  D a r i p e n li a i a n y a n g s u d a h d li a k u k a n , m a k a a k a n d i p e r o l e h s k o r k e s e l u r u h a n s e it a p t a h u n n y a . S e t e l a h s k o r k e s e l u r u h a n d i p e r o l e h , p e n e t a p a n p r e d i k a t it n g k a t k e s e h a t a n K S P d a n U S P d a p a t d li a k u k a n . P r e d i k a t it n g k a t k e s e h a t a n K S P d a n U S P b e r d a s a r k a n P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

  1 4 / P E R / M . K U K M /

  X I /I

  2 9 t e r d a p a t 5 p r e d i k a t , y a ti u s e h a t , c u k u p s e h a t , k u r a n g s e h a t , it d a k s e h a t , d a n s a n g a t it d a k s e h a t y a n g d ti e n t u k a n d e n g a n m e il h a t s k o r k e s e l u r u h a n y a n g d i m i il k i s e t e l a h d li a k u k a n p e n li a i a n . K e t e n t u a n p e n e t a p a n p r e d i k a t it n g k a t k e s e h a t a n K S P d a n U S P a d a l a h s e b a g a i b e ir k u :t

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  3 T a b e l 3 .

  2 3 . P e n e t a p a n P r e d i k a t T i n g k a t K e s e h a t a n K S P d a n U S P ( P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

  1 4 / P E R / M . K U K M /

  X I /I

  2 9 ) P r e d i k a t S k o r

  S e h a t 8 ≤ x <

  1 C u k u p s e h a t 6 ≤ x <

  8 K u r a n g s e h a t 4 ≤ x <

  6 T i d a k s e h a t 2 ≤ x <

  4 S a n g a t it d a k s e h a t <

  2

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  7 h a l o k e s a g a j n e p n a n u i s n e p a tr e s , i k il i m e m i n i i s a r e p o k n a k ir i d i d t a a s a d a P . . a t o g g n a

  M r u m k a t a u K l a g g n u n a M :t u k ir e b i a g a b e s i s a r e p o K p i s n ir p n a k a n a s k a l e m

  M r u m k a t a u K l a g g n u n a M i s a r e p o K n a a g r a u l e k e k s a z a s a t a n a k s a d n a lr e b . . 3 p i s n ir P

  5 N 2 . o U U : . 2 s a z A

  9 1 n u h a t

  9

  2

  9 D 1 r a s a g n a d n U . c l a n o i s a r e p O n a s a d n a L

  4

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  . b l a n o i s u ti t s n o K n a s a d n a L g n a d n U : –

  1 n a s a d n a L . a li i d I n a s a d n a L a li s a c n a P :

   I R P K l a g g n r u m k a M t a u K .

  . B L n a s a d n a p i s n i r P n a d , s a z A , u n a M

  2 5 k a y n a b e s a t o g g n a

  V I B A B A

  I S E N O D N

  K r o t n a u n a M

  I K

  I L B U P E R

   I A W A G E P

   I S A R E P O K M U M U N A R A B M A G U N A M )

  I R P K ( R U M K A M T A U K L A G G N . A S h a r a j e

  I R P K u n a M r u m k a M t a u K l a g g n

  I R P K r u m k a M t a u K l a g g n ” M K M “ n a k t a m a l a r e b . l J i d . T R . r D g e n o tr i T i j d a r e o S . n e t a l K o r o

  8 T 1 l a g g n a t a d a p h a g n e a w a J i s a r e p o K h a y a li w r o t n a k i s a r e p o K K d n a k ir i d i d i n i i s a r e p o d n a p a r a h n a g n e n a a r e t h a j e s e k n a k t a k g n i n e m t a p a

  M h a l a d a i n i K M

  I R P K a jr e k h a r e a D K n e t a l P 7 N M S n a g n u k g n il . ” M K M “

  I R P K i a g a b e s n a k h a s i d D n e m e tr a p e h e l o m u k u h n a d a b .

  3

  8

  9 J 1 i l u

  N P M S h a l o k e s a l a p e K i r a d i ri d r e t g n a y a y n a t o g g n a , n a w a y r a k , u r u g , n e t a l K

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  5 a . K e a n g g o t a a n b e r s fi a t s u k a r e l a d a n t e r b u k a b . P e n g e l o l a a n d li a k u k a n s e c a r a d e m o k r a it s c . P e m b a g i a n s i s a h a s i l u s a h a d li a k u k a n s e c a r a a d i l s e b a n d i n g d e n g a n b e s a r n y a s i m p a n a n d a n j a s a u s – a h a m a s i n g m a s i n g a n g g o t a d . P e m b e ir a n b a l a s j a s a y a n g t e b a t a s t e r h a d a p m o d a l e . K e m a n d i ir a n

  .f P e n d i d i k a n P e r k o p e r a s i a n g . K e jr a s a m a a n t a r k o p e r a s .i

  . T u j u a n d a n F u n g s i K P R

   I M a n u n g g a l K u a t M a k m u r C

  B e r d a s a r k a n a n g g a r a n d a s a r d a n a n g g a r a n r u m a h t a n g g a b a h w a K P R I “ M K M ” i n i b e lr a n d a s k a n p a d a P a n c a s li a d a n U U D

  1

  9

  4 5 , k o p e r a s i i n i b e tr u j u a n u n t u k : 1 . M e m p e r k e m b a n g k a n a n g g o t a p a d a k h u s u s n y a d a n k e m a j u a n d a e r a h k e jr a p a d a u m u m n y a , d a l a m r a n g k a m e n g g a l a n g t e lr a k s a n a n y a m a s y a r a k a t a d i l d a n m a k m u r b e r d a s a r k a n P a n c a s li a . 2 . T u r u t a k it f m e l a k s a n a k a n p r o g r a m p e m b a n g u n a n k h u s u s n y a d a l a m b i d a n g p e r k o p e r a s i a n .

  3 . M e n i n g k a t k a n k e s e j a h t e r a a n a n g g o t a k h u s u s n y a d a n m a s y a r a k a t p a d a u m u m n y a .

  4 . M e m b i n a k e l a n g s u n g a n d a n p e r k e m b a n g a n D e m o k r a s i E k o n o m i d a n t e r c a p a i n y a m a s y a r a k a t y a n g a d i l d a n m a k m u r y a n g b e r d a s a r k a n P a n c a s li a d a n U U D

  4 5 .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  6 D a l a m r a n g k a m e n c a p a i t u j u a n t e r s e b u t , k o p e r a s i m – e n j a l a n k a n u s a h a u s a h a s e b a g a i b e ir k u :t 1 . M e w a ij b k a n d a n m e n g g i a t k a n a n g g o t a u n t u k m e n y i m p a n p a d a k o p e r a s i s e c a r a t e r a t u r .

  2 . M e n a m b a h p e n g e t a h u a n a n g g o t a t e n t a n g p e r k o p e r a s i a n . 3 . M e m b e ir k a n p i n j a m a n k e p a d a p a r a a n g g o t a y a n g b e r m a n f a a t b a g i p a r a a n g g o t a .

  A d a p u n f u n g s i K P R

  I M a n u n g g a l K u a t M a k m u r i n i a d a l a h s e b a g a i b e ir k u :t 1 . S e b a g a i a l a t p e m e r s a t u .

  2 . M e m b a n g u n d a n m e n g e m b a n g k a n p o t e n s i d a n k e m a m p u a n e k o n o m i a n g g o t a p a d a k h u s u s n y a d a n m a s y a r a k a t p a d a u m u m n y a s e tr a m e n i n g k a t k a n k e s e j a h t e r a a n e k o n o m i a n g g o t a n y a . 3 . M e m p e r k o k o h p e r e k o n o m i a n r a k y a t s e b a g a i d a s a r k e k u a t a n d a n k e t a h a n a n p e r e k o n o m i a n n a s i o n a l d e n g a n k o p e r a s i s e b a g a i s o k o g u r u n y a .

  . S t r u k t u r O r g a n i s a s i K P R

   I M a n u n g g a l K u a t M a k m u r D

  A d a p u n s rt u k t u r o r g a n i s a s i d a r i K o p e r a s i P e g a w a i R e p u b il k I n d o n e s i a ( K P R I ) M a n u n g g a l K u a t M a k m u r a d a l a h s e b a g a i b e ir k u :t

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  7

  4 1 . G 4 r a b m a . i s a s i n a g r O r u t k u rt S

  : n a g n a r e t e K K r o t a n i d r o o s ir a G

  P n a s a w a g n e s ir a G .

  1 g n i s a m g n a n e w e W – n a i g a B g n i s a m )

  I R P K ( a i s e n o d n I k il b u p e R i r e g e N i a w a g e P i s a r e p o K a d a P

  M r u m k a t a u K l a g g n u n a M P 7 N M S n e t a l K s a g u t n a i g a b m e p t a p a d r e t n a g n e d i a u s e s g n a y : n i a l a r a t n a , n a s u r u g n e p e k m a l a d a y n n a k u d u d e k

  . a a t o g g n A t a p a R )

  1 .i s a r e p o k m a l a d i g g n it r e t n a a s a u k e k n a k a p u r e M

  ) 2 .r a s a D n a r a g g n A a n a c n e r t a u b m e M A a t o g g n

  A a t o g g n t a p a R P s a w a g n e

  S s ir a t e r k e B a r a h a d n e

  P t a h e s a n e s u r u g n e P S n a p m i t i n U

  P m a j n i K a u t e

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  8 3 ) M e m i il h a n g g o t a p e n g u r u s d a n a n g g o t a p e n g a w a s ij k a m a s a j a b a t a n

  3 t a h u n t e l a h b e r a k h i r d a p a t d i p i il h k e m b a l .i 4 ) M e n g e s a h k a n r e n c a n a k e jr a d a n r e n c a n a a n g g a r a n b e l a n j a d a n a n g g a r a n p e n d a p a t a n k o p e r a s .i 5 ) M e n e t a p k a n p e m b a g i a n S i s a H a s i l U s a h a ( S H U .)

  6 ) M e n g e s a h k a n n e r a c a d a n p e r h ti u n g a n k e u a n g a n t a h u n a n . b . P e n a s e h a t 1 a l h a l y a n g m e r u g i k a n k o p e r a s i d a r i p i h a k l u a .r

  ) M e n o l a k h – 2 ) M e m b e ir k a n – s a r a n s a r a n a t a u a n j u r a n p a d a p e n g u r u s u n t u k k e m a j u a n k o p e r a s .i 3 ) M e m b e r i p ir o r ti a s u s a h a p a d a k o p e r a s i a p a b li a m e m e n u h i s y a r a t y a n g d ti e t a p k a n . c . P e n g a w a s 1 ) M e l a k s a n a k a n p e m e ir k s a a n t e r h a d a p t a t a k e h i d u p a n k o p e r a s i t e r m a s u k o r g a n i s a s i , u s a h a d a n p e l a k s a n a a n k e b ji a k a n p e n g u r u .s

  2 ) M e m b e ir l a p o r a n t e tr u il s t e n t a n g p e m e ir k s a a n . 3 ) S e b a g a i p e r a n g k a t o r g a n i s a s i , it m m a n a j e m e n d a n s e b a g a i p e il n d u n g k o p e r a s .i d . K e t u a 1 ) B e r it n d a k s e b a g a i p i m p i n a n k o p e r a s i , a t a s n a m a k o p e r a s i s e tr a m e w a k li i k o p e r a s i d i d a l a m m a u p u n d i l u a r p e r s i d a n g a n .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4

  9 2 ) M e n e t a p k a n k e b ji a k a n d a l a m k e p u t u s a n p a d a f o r u m r a p a t p e n g u r u .s 3 ) M e n g k o o r d i n i r p e r u m u s a n d a n p e r e n c a n a a n p r o g r a m k e jr a . 4 ) M e n a n d a t a n – g a n i s u r a t s u r a t k e l – u a r d a n s u r a t s u r a t b e r h a r g a b e r s a m a s e k r e t a ir .s e . S e k r e t a ir s 1 ) M e m e il h a – r a b u k u b u k u a d m i n i s rt a s i o r g a n i s a s .i

  2 ) B e tr a n g g u n g j a w a b d a l a m b i d a n g a d m i n i s rt a s i t/ a t a u s a h a k o p e r a s .i 3 ) M e n y e l e n g g a r a k a n n o t u l e n r a p a .t 4 ) M e n y u s u n l a p o r a n o r g a n i s a s .i 5 ) M e n g a t u r d a n m e n g u r u s s o a l p e n g e l o l a a n k o p e r a s .i

  .f B e n d a h a r a / K e u a n g a n 1 ) M e n g u r u s p e r s o a l a n k e u a n g a n k o p e r a s .i 2 ) M e m b i m b i n g d a n m e n g a w a s i p e m e g a n g k a s k o p e r a s .i

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  2 . o N n a t a b a J a m a N . 1 a u t e K o n o s m a K . d P . S , . 2 s ir a t e r k e S d P . M , k e i n a H i tf I .j H . a r D . 3 a r a h a d n e B P d . S , h a m it a F l u ri m A k it it e S .

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  R a s i o k e c u k u p a n m o d a l s e n d ri i m e m b a n d i n g k a n a n t a r a m o d a l s e n d i ir t e r it m b a n g d e n g a n a k it v a t e r it m b a n g m e n u r u t ir s i k o d i k a il k a n d e n g a n 1 % . M o d a l s e n d ri i t e r it m b a n g a d a l a h j u m l a h d a r i h a s i l k a l i s e it a p k o m p o n e n m o d a l k o p e r a s i y a n g t e r d a p a t p a d a

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  1

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  I M a n u n g g a l K u a t M a k m u .r 4 ) R a s i o P i n j a m a n B e ir s i k o t e r h a d a p P i n j a m a n y a n g D i b e ir k a n

  P e r h ti u n g a n r a s i o i n i d i h ti u n g d e n g a n m e m b a n d i n g k a n p i n j a m a n b e ir s i k o d e n g a n p i n j a m a n y a n g d i b e ir k a n . S e m a ki n it n g g i p i n j a m a n d i b e ir k a n d a n s e m a k i n r e n d a h p i n j a m a n b e ir s i k o , m a k a r a s i o y a n g d i h a s li k a n a k a n l e b i h r e n d a h .

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  Y Y Y .

  2 K a n a c n e r i k il i m e m h a l e t i s a r e p o P S U / P S K h a k a p A n a p e d e k n u h a t 3 k u t n u l a m i n i m g n a j n a p a k g n a j a jr e k

  K i s a r e p o P S U / P S K n a u c a i a g a b e s n a k i d a ji d n a d a y n a h a s u n a k n a l a j n e m m a l a d ? T T T .

  3 K a jr e k a n a c n e r i k il i m e m i s a r e p o P S U / P S K h a k a p A n a t a i g e k n a u c a r a s a d i a g a b e s n a k a n u g i d g n a y n a n u h a t n u h a t

  1 a m a l e s a h a s u ? Y Y Y

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  Y Y Y .

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  ,i ri d n e s i ri d n a k g n u t n u g n e m n a d a g r a u l e k

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  Y Y Y ) 2 n a a g a b m e l e K

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  Y Y Y . 2 s a g u t n a i c n ir i k il i m e m i s a r e p o K P S U / P S K s a l e j g n a y Y Y Y

  1 K k il i m e p i a g a b e s i s a r e p o P S U / P S K a t o g g n A k u t n u n a u p m a m e k i a y n u p m e m n a k t a k g n i n e m

  8

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  1

  2 . 4 a r a t n a n a i a u s e s e k h a k a d A a jr e k a n a c n e r a k g n a j a k g n a j a n a c n e r n a g n e d k e d n e p g n a j n a p ?

  T T T . 5 a jr e k a n a c n e r n a d n a u j u t ,i s i m , i s i v h a k a p A i u h a t e k i d

  ,s u r u g n e p h e l o i m a h a p i d n a d , a l o l e g n e p s a w a g n e p n a d n a w a y r a k h u r u l e s ?

  Y Y Y . 6 t a fi s r e b g n a y n a s u t u p e k n a li b m a g n e P l a n o i s a r e p o a r a c e s a l o l e g n e p h e l o n a k u k a li d n e d n e p e d n i .

  Y Y Y .

  7 P S U / P S K a l o l e g n e p u a t a n a d s u r u g n e P K i s a r e p o i n a g n a n e m k u t n u n e m ti m o k i k il i m e m n a k u k a l e m a tr e s i p a d a h i d g n a y n a h a l a s a m r e p n a k a d n it . n a k u lr e p i d g n a y n a k i a b r e p

  Y Y Y .

  8 P a jr e k b it r e t a t a t i k il i m e m i s a r e p o k S U / P S K M D S a tr e s a jr e k n il p i s i d i t u p il e m g n a y a n a r a s g n u k u d i d m a l a d i a d a m e m g n a y a jr e k n a a jr e k e p n a k a n a s k a l e m .

  Y Y Y . 9 g n a y i s a r e p o k P S U / P S K s u r u g n e P t a k g n a g n e m

  , a y n k o p m o l e k u a t a a g r a u l e k ir i d n e s a g g n i h e s K i s a r e p o P S U / P S K n a k i g u r e m t a p a d .

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  6

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  1 - u n t u k m a s i n g m a s i n g k a r y a w a n n y a . 3 . D i d a l a m s rt u k t u r k e l e m b a g a a n K S P / U S P K o p e r a s i t e r d a p a t s rt u k t u r y a n g m e l a k u k a n f u n g s i s e b a g a i Y Y Y d e w a n p e n g a w a .s 4 . K S P / U S P K o p e r a s i t e r b u k t i m e m p u n y a i S t a n d a r O p e r a s i o n a l d a n M a n a j e m e n ( S O M ) d a n S t a n d a r Y Y Y O p e r a s i o n a l P r o s e d u r ( S O P .) 5 . K S P / U S P K o p e r a s i t e l a h m e n j a l a n k a n k e g i a t a n n y a s e s u a i S O M d a n S O P K S P / U S P Y Y Y K o p e r a s .i 6 . K S P / U S P K o p e r a s i m e m p u n y a i s i s t e m p e n g a m a n a n y a n g b a i k t e r h a d a p s e m u a d o k u m e n Y Y Y p e n it n g .

  3 ) M a n a j e m e n P e r m o d a l a n T a b e l 5 .

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  2 . T i n g k a t p e tr u m b u h a n m o d a l s e n d ri i y a n g b e r a s a l d a r i a n g g o t a s e k u r a n g k u r a n g n y a s e b e s a r 1 % Y Y Y d i b a n d i n g k a n t a h u n s e b e l u m n y a .

  3 . P e n y i s i h a n c a d a n g a n d a r i S H U s a m a a t a u l e b i h b e s a r T T T d a ir s e p e r e m p a t S H U t a h u n b e jr a l a n .

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  1 % d a ir t a h u n s e b e l u m n y a . 5 . I n v e s t a s i h a tr a t e t a p d a r i i n v e n t a ir s s e tr a p e n d a n a a n

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  1 j u t a r u p i a h . 3 . D a n a c a d a n g a n p e n g h a p u s a n p i n j a m a n s a m a a t a u

  T T T l e b i h b e s a r d a ir j u m l a h p i n j a m a n m a c e t t a h u n a n . 4 . P i n j a m a n m a c e t t a h u n l a l u d a p a t d ti a g i h s e k u r a - n g

  Y Y Y k u r a n g n y a s e p e r it g a n y a . 5 . K S P / U S P K o p e r a s i m e n e r a p k a n p r o s e d u r p i n j a m a n

  Y Y Y d li a k s a n a k a n d e n g a n e f e k it .f 6 . K S P / U S P K o p e r a s i m e m i il k i k e b ji a k a n c a d a n g a n

  Y Y Y p e n g h a p u s a n p i n j a m a n b e r m a s a l a h 7 . D a l a m m e m b e ir k a n p i n j a m a n K S P / U S P K o p e r a s i m e n g a m b i l k e p u t u s a n b e r d a s a r k a n p ir n s - i p k e h a it Y Y Y h a it a n . 8 . K e p u t u s a n p e m b e ir a n p i n j a m a n d a n a t a u p e n e m p a t a n

  Y Y Y d a n a d li a k u k a n m e l a l u i k o m ti e . 9 . S e t e l a h p i n j a m a n d i b e ir k a n K S P / U S P K o p e r a s i m e l a k u k a n p e m a n t a u a n t e r h a d a p p e n g g u n a a n

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  1 1 . M e m i il k i k e b ji a k s a n a a n t e tr u il s m e n g e n a i Y Y Y p e n g e n d a il a n il k u i d ti a s

  2 . M e m i il k i f a s li ti a s p i n j a m a n y a n g a k a n d ti e ir m a d a r i Y Y Y l e m b a g a l a i n u n t u k m e n j a g a il k u i d ti a s n y a .

  3 . M e m i il k i p e d o m a n a d m i n i s rt a s i y a n g e f e k t fi u n t u k Y Y Y m e m a n t a u k e w a ij b a n y a n g j a t u h t e m p o .

  4 . M e m i il k i k e b ji a k a n p e n g h i m p u n a n s i m p a n a n d a n p e m b e ir a n p i n j a m a n s e s u a i d e n g a n k o n d i s i k e u a n g a n Y Y Y K S P / U S P k o p e r a s i 5 . M e m i il k i s i s t e m i n f o r m a s i m a n a j e m e n y a n g m e m a d a i

  Y Y Y u n t u k p e m a n t a u a n il k u i d ti a s

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1 M 2 n u h a t n e m e j a n a k e p s A n a i a li n e P .

  1

  2 . 2 n a a g a b m e l e K 6 - . 3 n e m e j a n a M n a l a d o m r e P

  4

  1 . 4 a v it k A n e m e j a n a M

  7

  3 . 5 s a ti d i u k i L n e m e j a n a M 5 -

  1

  4 1 . T 5 l e b a

  . o N n e n o p m o K J n a b a w a

  . o N n e n o p m o K J n a b a w a

  Y a k a d i T . 1 m u m U n e m e j a n a M

  1

  2 . 2 n a a g a b m e l e K 6 - . 3 n a l a d o m r e P n e m e j a n a M

  4

  1 . 4 a v it k A n e m e j a n a M

  7

  3 . 5 s a ti d i u k i L n e m e j a n a M 5 -

  Y a k a d i T . 1 m u m U n e m e j a n a M

  1

  7 : n a g n a r e t e K

  9 M 2 n u h a t n e m e j a n a k e p s A n a i a li n e P .

  Y a : Y T k a d i : T

  B n a k r a s a d r e

  I R P K i d i s a v r e s b o n a d a r a c n a w a w l i s a h , n e m e j a n a m k e p s a a d a p n a i a li n e p a k a m r u m k a M t a u K l a g g n u n a M

  : t u k ir e b i a g a b e s h a l a d a

  1

  1 , 2 n a d

  1 2 , 9 2 n u h a t

  2 1 . T 5 l e b a

  1 M 2 n u h a t n e m e j a n a k e p s A n a i a li n e P .

  . o N n e n o p m o K J n a b a w a

  Y a k a d i T . 1 m u m U n e m e j a n a M

  1

  2 . 2 n a a g a b m e l e K 6 - . 3 n a l a d o m r e P n e m e j a n a M

  4

  1 . 4 a v it k A n e m e j a n a M

  7

  3 . 5 s a ti d i u k i L n e m e j a n a M 5 -

  3 1 . T 5 l e b a

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1 T 2 n u h a =

  2 1 . 8

5 2 . 1

  

3

  

3

3 4 . 0

1 0 . 0

  

4

  × 0 1 % = 5 ,

  8 2 %

  1

  A a t o g g n i s a r e p O n a b e B B o t u r i s a p it r a P

  A a t o g g n i s a r e p O n a b e B B o t u r i s a p it r a P

  × 0 1 % =

  2 1 . 7

7 8 . 1

  

3

  

1

9 4 . 1

9 5 . 0

  

4

  × 0 1 %

  7 9 , 5 2 = %

  × 0 1 % =

  2

  7 D i s a v r e s b o n a d a r a c n a w a w l i s a h i r a k e p s a p a d a h r e t

  .i s a r e p o k . d i s n e i s if E

  ,

  9 M 2 n u h a t a m a l e s r u m k a t a u K l a g g n u n a M

  I R P K n e m e j a n a m k i a b p u k u c g n a y n e m e j a n a m i s i d n o k n a k k u j n u n e m

  1

  1 , 2 n a d

  1

  2 h e l o n a k a n a s k a li d h a l e t a d a g n a y n a u t n e t e k h u r u l e s r i p m a h a n e r a k

  P u p m a m S K r a s e b a p a r e b e s n a k r a b m a g g n e m i s n e i s if e n a i a li n e P i r a d a y n a t o g g n a a d a p e k n e i s if e g n a y n a n a y a l e p n a k ir e b m e m n a a n u g g n e p t e s a .i k il i m i d g n a y

  3 8 , 9 2 =

  ) 1 o i s a R i s a r e p O n a b e B a t o g g n A o t u r B i s a p i s it r a P p a d a h r e t R i s a r e p o n a b e b n a k g n i d n a b m e m n a g n e d g n u ti h i d i n i o i s a

  B h a l a d a a t o g g n a i s a r e p o n a b e . o t u r b i s a p i s it r a p n a g n e d a t o g g n a U H S h a b m a ti d n u h a t p a it e s i d s o k g n o .

  9 T 2 n u h a =

  A a t o g g n i s a r e p O n a b e B B o t u r i s a p it r a P

  × 0 1 % =

  1 1 . 0

1 6 . 0 0 0

8 3 . 5

1 9 . 0

  

4

  × 0 1 % %

  1 T 2 n u h a =

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3 % 4 ,

  5 5 ,

  6

  3 4 = % U H S p a d a h r e t a h a s u n a b e b o i s a r n a g n u ti h r e p l i s a h i r a D a k g n a n a k k u j n u n e m

  1

  1 2 n a g n e d i a p m a s 9 2 n u h a t a m a l e s r o t o k i g g n it t a g n a s g n a y o i s a r

  % n a d

  7 9 ,

  2

  3 7 ,

  

1

2. 0 4 . 0

  7

  2 4 r a s e b e s u ti a y

  1

  1 % 2 n u h a t a d a p

  5 5 ,

  6

  3 4 . n a k b a b e s i d i n i l a H g n a y U H S h e l o n a k r a u l e k i d g n a y a h a s u n a b e b n a g n e d n a k g n i d n a b i d h a d n e r u l a lr e t i s a r e p o k h e l o U n a b e b p u t u n e m u p m a m k a d it r o t o k H S a g g n i h e s

  . a h a s u ) 3 n a n a y a l e P i s n e i s if E o i s a R

  N i r a d n a k t a p a d i d n a n a y a l e p i s n e i s if e o i s a r i r a d i a li n a k g n i d n a b m e m g n a y n a m a j n i p e m u l o v n a g n e d n a w a y r a k a y a i b

  × 0 1 %

  3

  7 ) 2 o i s a R r o t o K U H S p a d a h r e t a h a s U n a b e B

  9. 8 5 9 . 1

  Ra n a k g n i d n a b m e m n a g n e d g n u ti h i d i n i o i s a h a s u n a b e b

  . r o t o k U H S n a g n e d T 2 n u h a 09 =

  U a h a s n a b e B K r o t o U H S

  × 0 1 % =

  9. 0 1 4 . 0 2. 0 2 . 0

  × 0 1 % 4 = 7 2 7 , 3%

  1 T 2 n u h a =

  U a h a s n a b e B K r o t o U H S

  × 0 1 % =

  

3

  1 . 7

7 4 . 1

  3 2. 0 3 . 0

  × 0 1 %

  7 9 ,

  2

  3 4 = %

  1

  1 T 2 n u h a =

  U a h a s n a b e B K r o t o U H S

  × 0 1 % =

  

3

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2 . %

  5. 0

2 5 . 0

  6 3 3 . 0

5 3 . 0

  × 0 1 % =

  4 6 , 1 % , n a d

  1 2 ,

  9 D 2 n u h a t a d a p i n i o i s a r n a g n u ti h r e p l i s a h i r a e s a t n e s r e p n a k k u j n u n e m

  1

  1

  4 6 , , 1 n a d %

  V

  7 8 , % 1 ,

  3 3 , 2 r a s e b e s

  ) t u r u tr e b n u h a t a g it ( P 3 a m a l e s o i s a r e s a t n e s r e p n a n u r u n e

  I R P K i d M g n a y r u m k a t a u K l a g g n u n a M n a g n e d g n i d n a b e s k a d it

  . n a w a y r a k a y a i b n a t a k g n i n e p M n a n u r u n e p i d a jr e t n u p i k s e e p

  , a y n n u h a t p a it e s i d h a d n e r g n a y o i s a r n u m a n o i s a r e s a t n e s r . k i a b g n a y n a n a y a l e p i s n e i s if e t a k g n it n a k k u j n u n e m

  S a y a i b h a d n e r n i k a m e s n a d n a m a j n i p e m u l o v i g g n it n i k a m e . h a d n e r h i b e l g n a y o i s a r n a k li s a h g n e m n a k a a k a m n a w a y r a k

  N y a l e p i s n e i s if e o i s a r k u t n u n u m a , e s a t n e s r e p h a d n e r n i k a m e s n a n a

  × 0 1 % =

  

K n a w a y r a a y a i B

P n a m a j n i e m u l o

  4

  × 0 1 % =

  7 S h a d n e r n i k a m e s n a d n a m a j n i p e m u l o v i g g n it n i k a m e . n a k ir e b i d

  . h a d n e r h i b e l g n a y o i s a r n a k li s a h g n e m a k a m , n a w a y r a k a y a i b

  9 T 2 n u h a =

  

K n a w a y r a a y a i B

P n a m a j n i e m u l o

  V

  × 0 1 % =

  5. 0

4 0 . 0

  5 1 2 . 0

5 9 . 0

  3 3 , 2 % T n u h a

  1 T 2 n u h a =

  1 2 =

  

K n a w a y r a a y a i B

P n a m a j n i e m u l o

  V

  × 0 1 % =

  5. 0

4 0 . 0

  9 6 2 . 0

8 4 . 0

  × 0 1 % =

  7 8 , 1 %

  1

  • – t u r u t h e l o n a k b a b e s i d n a t a k g n i n e p n a m a j n i p e m u l o v

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1

  3 1 . 2 0 . 0

  

5

  6 3 1 . 0

7 1 . 0

  9

  × 0 1 %

  5 5 , 9 = %

  1 T 2 n u h a =

  

K s a + k n a B

L r a c n a n a b ij a w e K

  

K s a + k n a B

L r a c n a n a b ij a w e K

  × 0 1 % =

  9 1 . 6

5 7 . 0

  

4

  3 6 1 . 9

5 2 . 0

  9

  × 0 1 %

  × 0 1 % =

  5

  7 ( n a k li s a h i d g n a y o i s a r

  9 T 2 n u h a =

  ) a g g n i h e s k i a b n i k a m e s a k a m % 5 ≤ . , 2 r o k s n a g n e d

  1 r a s e b e s ti d e k i a li n n a k t a p a d n e m . e s a ti d i u k i L

  D n a u j u tr e b s a ti d i u k il n a a r a h il e m e p m a j n i p n a p m i s a h a s u m a l a a b k e d n e p a k g n a j n a b ij a w e k i h u n e m e m k u t n u n a k ir a n e p r a y a b m e m k i P n a i a li n e . a y n n i a l k e d n e p a k g n a j n a b ij a w e k n u p u a m a t o g g n a n a n a p m i s o i s a r n a d s a k o i s a r p a d a h r e t n a k u k a li d i s a r e p o k s a ti d i u k il p a d a h r e t

  . a m ir e ti d g n a y a n a d p a d a h r e t n a m a j n i p e m u l o v ) 1 s a K o i s a R

  N i r a d h e l o r e p i d i n i o i s a r ir a d i a li k n a b n a d s a k n a h a l m u j n e p K n a d s a . r a c n a l n a b ij a w e k n a g n e d n a k g n i d n a b i d n a i d u m e k g n a y

  , i tr e p e s n a k a n u g i d t a p a d a r e g e s g n a y d i u k il t a l a n a k a p u r e m k n a b n a g n a u e k a g a b m e l a d a p n a p m i s r e t g n a y g n a u n a d i a n u t g n a u

  . a y n n i a l

  

K s a + k n a B

L r a c n a n a b ij a w e K

  3 2 =

  × 0 1 % =

  8 2 . 6

6 7 . 1

  

3

  

6

  4 2 1 . 7

1 8 . 0

  9

  × 0 1 % % 5 ,

  1 T 2 n u h a =

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  × 0 1 %

  × 0 1 % 8 , 5 9 = %

  1 T 2 n u h a =

  

D n a k i r e b i n a m a j n i P

D a m i r e ti g n a y a n a D

  × 0 1 % =

  9 6 2 . 0

8 4 . 0

  1 6 2 . 9

9 7 . 1

  8

  

5

  3 9 , 2 1 = %

  3

  1

  1 T 2 n u h a =

  

D n a k i r e b i n a m a j n i P

D a m i r e ti g n a y a n a D

  × 0 1 % =

  6 3 3 . 0

5 3 . 0

  1 3 3 . 1

6 7 . 1

  3

  

7

  × 0 1 %

  

8

  6

  7 1 ,

  2

  2 1 = % R s a k h a k a p a t a h il e m k u t n u n a u j u tr e b s a k o i s a k n a b n a d m a j n i p n a p m i s t i n u u a t a m a j n i p n a p m i s i s a r e p o k i k il i m i d g n a y

  . r a c n a l n a b ij a w e k r a y a b m e m k u t n u u p m a m D n a g n u ti h r e p l i s a h i r a

  1

  1 2 n a g n e d i a p m a s

  9 , 2 n u h a t a d a p s a k o i s a r n a k k u j n u n e m

  % n a d

  5 5 , % 9 , 5 ,

  3 2 r a s e b e s e s a t n e s r e p . % 1 ,

  1 P s a t n e s r e p n a n u r u n e n u h a t e k

  5 1 2 . 0

5 9 . 0

  9 2 n u h a t a d a p s a k o i s a r e i k il i m i d g n a y k n a b n a d s a k n a n u r u n e p a n e r a k n a k b a b e s i d

  1

  2 M r a c n a l n a b ij a w e k h a l m u j n u m a n r u m k a t a u K l a g g n u n a M

  I R P K . t a k g n i n e m

  ) 2 n a m a j n i P o i s a R n a k ir e b i D g n a y a m ir e ti D g n a y a n a D p a d a h r e t R ti h r e p i r a d n a k t a p a d i d i n i o i s a n a m a j n i p p a d a h r e t n a g n u

  D a m ir e ti d g n a y a n a . a m ir e ti d g n a y a n a d n a g n e d n a k ir e b i d g n a y .i g a b i d m u l e b U H S n a d a y a i b g n a t u h n i a l e s a v i s s a p l a t o t h a l a d a

  9 T 2 n u h a =

  

D n a k i r e b i n a m a j n i P

D a m i r e ti g n a y a n a D

  × 0 1 % =

  5 2 2 . 0

2 4 . 1

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6 = 8 ,

  

P k a j a m u l e b e S U H S

A t e s l a t o T

  × 0 1 % =

  2. 0 2 . 0

  4 5 2 . 6

2 9 . 1

  3

  

2

  × 0 1 % %

  1 T 2 n u h a =

  .i s a r e p o k n a k a n u g r e p i d n a d i k il i m i d g n a y t e s a

  

P k a j a m u l e b e S U H S

A t e s l a t o T

  × 0 1 % =

  2. 0 3 . 0

  4 9 2 . 1

5 8 . 0

  5

  

6

  × 0 1 % , = 8 7 %

  9 T 2 n u h a =

  7

  7 = %

  ,

  8 3 , 1 1 %

  D i n i o i s a r n a g n u ti h r e p l i s a h i r a e s a t n e s r e p n a k k u j n u n e m a d a p a m ir e ti d g n a y a n a d p a d a h r e t n a k ir e b i d g n a y n a m a j n i p o i s a r

  1

  1 2 n a g n e d i a p m a s 9 2 n u h a t

  9 r a s e b e s 8 ,

  5 % 1 ,

  3 9 , 2 n a d %

  1

  . m a j n i p n a p m i s i s a r e p o k a h a s u n a r a ) 1 t e s A s a ti li b a t n e R o i s a R

  1

  8 3 . % n e P u n a k b a b e s i d

  1

  1 2 n u h a t e k 1 2 n u h a t o i s a r n a n u r s e b e s n a k ir e b i d n a m a j n i p n a k i a n e k e s a t n e s r e p a n e r a k

  %

  8 8 , 9 1 r a a m ir e ti d g n a y a n a d n a k i a n e k e s a t n e s r e p n a g n e d g n i d n a b e s k a d it

  . % 9 , 1 2 r a s e b e s

  .f n a h u b m u tr e P n a d n a ir i d n a m e K A r u k u t a l a n a k a p u r e m n a h u b m u tr e p n a d n a ir i d n a m e k k e p s k u t n u g n it n e p t a g n a s g n a y a h a s u l i s a h a s i s h e l o r e p m e m k u t n u i s a r e p o k c n a l e k g n a j n u n e m

  R r u k u g n e m k u t n u n a u j u tr e b t e s a s a ti li b a t n e r o i s a l a t o t ir a d a h a s u l i s a h a s i s h e l o r e p m e m m a l a d i s a r e p o k n a u p m a m e k

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1 T 2 n u h a =

  × 0 1 % =

  2. 0 2 . 0 2 1 . 3 8 . 1

  4

  

7

  × 0 1 % =

  4 1 , 2 %

  A a t o g g n n a i g a B U H S S i r i d n e l a d o M

  9 T 2 n u h a =

  × 0 1 % =

  2. 0 3 . 0

  7 2 1 . 9

2 9 . 1

  9

  

4

  × 0 1 % = 0 8 , 1 %

  A a t o g g n n a i g a B U H S S i r i d n e l a d o M

  8

  7

  D o i s a r n a g n u ti h r e p l i s a h i r a n a k k u j n u n e m t e s a s a ti li b a t n e r U g n i d n a b e s k a d it k a j a p m u l e b e s H S a n e r a k k i a b g n a r u k g n a y l a h

  1

  1 T 2 n u h a =

  

P k a j a m u l e b e S U H S

A t e s l a t o T

  × 0 1 % =

  2. 0 4 . 0 7 3 . 6

7 8 . 0

  × 0 1 % , = 5 6 %

  . r u m k a M t a u K l a g g n u n a M

  ) 2 ir i d n e S l a d o M s a ti li b a t n e R o i s a R D e m m a l a

  I R P K i k il i m i d g n a y t e s a l a t o t n a g n e d H n u r u n e m g n a y t e s a s a ti li b a t n e r o i s a r n a g n e d n a k k u j n u ti d i n i l a

  , %

  6 8 , r a s e b e s u ti a y a y n n u h a t p a it e s i d . %

  5 , 6 , n a d %

  8 7 , P n u h a t e k n u h a t i r a d t e s a s a ti li b a t n e r o i s a r n a n u r u n e a d a p ir a d i g g n it h i b e l h u a j t e s a l a t o t n a k i a n e k a n e r a k n a k b a b e s i d

  U n a k li s a h i d g n a y o i s a r a g g n i h e s k a j a p m u l e b e s H S n a k i a n e k .l i c e k h i b e l i d a j n e m

  , n a k g n i d n a b m e m i n i o i s a r a y n i a li n n a k u t n e n .i ri d n e s l a d o m n a g n e d a t o g g n a n a i g a b U H S

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  7

  9

  S H U B a g i a n A n g g o t a

  T a h u n

  2

  1 1 = × 0 1 %

  M o d a l S e n d i r i 2. 0 4 . 0

  = × 0 1 %

  1 . 2 7 9 . 1

  

6

  4

  = 1 % ,

  4 D a r i h a s i l p e r h ti u n g a n r a s i o r e n t a b li ti a s m o d a l s e n d i ir t a h u n

  2 9 s a m p a i d e n g a n

  2

  1 1 m e n u n j u k k a n h a l y a n g it d a k b a i k k a r e n a p e r s e n t a s e n y a s e b e s a r 2 ,

  1 4 % , 1 , 8 % d a n 1 , 4 % . H a l i n i d i s e b a b k a n k a r e n a S H U b a g i a n a n g g o t a y a n g it d a k s e b a n d i n g d e n g a n it n g g i n y a o m d a l s e n d i r i y a n g d i m i il k i K P R

  I M a n u n g g a l K u a t M a k m u .r 3 ) R a s i o K e m a n d i ir a n O p e r a s i o n a l P e l a y a n a n

  R a s i o k e m a n d i ir a n o p e r a s i o n a l p e l a y a n a n d ti e n t u k a n d e n g a n m e m b a n d i n g k a n p a r it s i p a s i n e t o d e n g a n b e b a n u s a h a d ti a m b a h b e b a n p e r k o p e r a s i a n .

  P a r it s i p a s i N e t o

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  2 09 = × 0 1 %

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  1

  

4

  = × 0 1 %

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  1

  

4

  =

  1 5 ,

  9 9 %

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  1

  

4

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  1

  

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  =

  1 5 ,

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  9

  

4

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  9

  

4

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  8 =

  1 5 , 9 % R a s i o k e m a n d i ir a n o p e r a s i o n a l p e l a y a n a n t a h u n

  2

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  1 5 ,

  9 9 % ,

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  1 5 , 9 % . P e n u r u n a n p e r s e n t a s e r a s i o i n i d i s e b a b k a n k a r e n a p e r s e n t a s e k e n a i k a n p a r it s i p a s i n e t o y a n g l e b i h r e n d a h d i b a n d i n g k a n d e n g a n p e r s e n t a s e k e n a i k a n b e b a n u s a h a d ti a m b a h b e b a n p e r k o p e r a s i a n y a n g s e b e s a r

  9 ,

  5 2 % d i b a n d i n g 9 ,

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  P e n li a i a n a s p e k j a t i d ri i k o p e r a s i d i m a k s u d k a n u n t u k m e n g u k u r k e b e r h a s li a n k o p e r a s i d a l a m m e n c a p a i t u j u a n m e m p r o m o s i k a n e k o n o m i a n g g o t a . 1 ) R a s i o P a r it s i p a s i B r u t o

  R a s i o p a r it s i p a s i b r u t o a d a l a h it n g k a t k e m a m p u a n k o p e r a s i d a l a m m e l a y a n i a n g g o t a , s e m a k i n it n g g /i b e s a r p e r s e n t a s e n y a s e m a k i n b a i k k e m a m p u a n k o p e r a s i d a l a m m e l a y a n i a n g g o t a . P a r it s i p a s i b r u t o a d a l a h k o n t ir b u s i a n g g o t a k e p a d a k o p e r a s i s e b a g a i i m b a l a n p e n y e r a h a n j a s a p a d a a n g g o t a y a n g m e n c a k u p b e b a n p o k o k d a n p a r it s i p a s i n e t o .

  P a r it s i p a s i B r u t o

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  1

  

4

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  1

  

4

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  × 0 1 % = %

  2 E i s o m o r P o i s a R a t o g g n A i m o n o k R n a k ir e b m e m i s a r e p o k n a u p m a m e k r u k u g n e m i n i o i s a i s a r e p o k a y a i b i s n e i s if e t a a f n a m n a d i s a p i s it r a p i s n e i s if e t a a f n a m

  . b ij a w n a n a p m i s n a d k o k o p n a n a p m i s n a g n e d

  9 T 2 n u h a =

  A E P P k o k o n a n a p m i S + b ij a W n a n a p m i S

  × 0 1 % =

  2. 0 2 . 0 9 . 4

3 4 . 0

  

4

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  ) t u r u tr e b n u h a t a g it ( % 3 a m a l e s 1 r a s e b e s e s a t n e s r e p n a g n e d

  1 T 2 n u h a =

  A E P P k o k o n a n a p m i S + b ij a W n a n a p m i S

  × 0 1 % =

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5 9 . 0

  

4

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  )

  1 2 n a g n e d i a p m a s H n a k k u j n u ti d i n i l a . l a m i s k a m h a d u s g n a y a t o g g n a i n a y a l e m

  1

  × 0 1 % = 0 1 %

  8

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  × 0 1 % =

  3 4 . 0

1 0 . 0

  

4

3 4 . 0

1 0 . 0

  

4

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  × 0 1 % =

  9 4 . 1

9 5 . 0

  

4

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9 5 . 0

  

4

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  9 D 2 n u h a t o t u r b i s a p i s it r a p o i s a r n a g n u ti h r e p l i s a h i r a m a l a d i s a r e p o k n a u p m a m e k n a k k u j n u n e m

  • – .t u r u t

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  1 5 ,

  K n a t a h e s e k n a i a li n e p l e b a t m a l a d e k n a g n u ti h r e p i s a r e p o S m a j n i P n a p m i .

  , i s a r e p o k h a l a d a n a k u k a li d g n a y a y n t u j n a l e s h a k g n a l a k a m m l i s a h n a k k u s a m e

  , s a ti d i u k il , i s n e i s if e ri d n a m e k a tr e s , n a h u b m u tr e p n a d n a i i s a r e p o k i ri d it a j , D n a t a h e s e k t a k g n it i a li n e m k u t n u n a . n a h u r u l e s e k a r a c e s r o k s h e l o r e p i d n a k a

  1 2 , 9 2 n u h a t a d a p m a j n i p n a p m i s i s a r e p o k k e p s a , n a l a d o m r e p k e p s a u ti a y , k , n e m e j a n a m , fi t k u d o r p a v it k a s a ti l a u

  1 , 2 n a d

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  . C P n a s a h a b m e P m a j n i n a p m i S i s a r e p o K n a t a h e s e K t a k g n i T n a i a li n e P

  1 2 n u h a t e k 1 2 n u h a t

  1

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  1

  6 1 , 4 n a d

  6 A 2 a tr e s E P n a k i a n e k e s a t n e s r e p k u t n u %

  2

  8

  9 % 2 n u h a t i d

  5 3 , 4 2 r a s e b e s b ij a w n a n a p m i s n a d k o k o p n u h a t e k

  % n a n a p m i s n a k i a n e k e s a t n e s r e p n a g n e d g n i d n a b e s k a d it

  . A E P n a g n e d n a k g n i d n a b i d i g g n it h i b e l h u a j g n a y H i n i l a A r a s e b e s a y n a h g n a y E P n a k i a n e k e s a t n e s r e p a n e r a k n a k b a b e s i d

  D a t o g g n a i m o n o k e i s o m o r p o i s a r n a g n u ti h r e p l i s a h i r a n a k k u j n u n e m n a n a p m i s h a l m u j a n e r a k k i a b k a d it g n a y n a a d a e k

  5 5 , 1 = %

  × 0 1 %

  

8

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5 0 . 0

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  × 0 1 % =

  A E P P k o k o n a n a p m i S + b ij a W n a n a p m i S

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  . b e m u l o V o i s a R P t n a m a j n i p a d a h r e

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  1 ,

  ,

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  %

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  . c n a ir i d n a m e K P n a n a y a l e l a n o i s a r e p O

  . b l a d o M s a ti li b a t n e R S ir i d n e

  P n a h u b m u tr e . a t e s a s a ti li b a t n e R

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  Y g n a n a k ir e b i D B o k i s ir e . c n a p u k u c e K o i s a R S ir i d n e l a d o M

  1 n a l a d o m r e P . a o i s a R i ri d n e S l a d o M t t e s A l a t o T p a d a h r e . b o i s a R i ri d n e S l a d o M t n a m a j n i P p a d a h r e

  B t o b o ) % ( S r o k .

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  . c i s n e i s if E o i s a R

  . b o i s a R a h a s U n a b e B t U H S p a d a h r e r o t o K

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  5 . 3 n e m e j a n a M . a m u m U n e m e j a n a M . b n a a g a b m e l e K

  5 , ,

  5

  V D n a k ir e b i . b o i s a R n a m a j n i P o k i s i R B t h a l a s a m r e p a d a h r e e m u l o

  5

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  1 % % %

  . d o i s a R g n a Y n a m a j n i P B t o k i s ir e p a d a h r e D n a k ir e b i n a m a j n i P %

  V n a m a j n i P . c n a g n a d a C o i s a R R i s i t o k p a d a h r e B h a l a s a m r e n a m a j n i P

  4 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  8

  4 T a b e l 5 .

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  I M a n u n g g a l K u a t M a k m u r T a h u n

  2

  9 A s p e k y a n g R a s i o N li a i B o b o t N o . K o m p o n e n S k o r

  D i n li a i ( % ) K r e d ti ( % ) 7 . J a it d ri i a . R a s i o P a r it s i p a s i B r u t o 1 % 1 0 7 7 0 ,

  K o p e r a s i b . R a s i o P r o m o s i 2 ,

  4 3 % 3 , E k o n o m i A n g g o t a ( A P E )

  J u m l a h

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  T a b e l 5 .

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  1 A s p e k y a n g R a s i o N li a i B o b o t

  

N o . K o m p o n e n S k o r

D i n li a i ( % ) K r e d ti ( % ) 1 . P e r m o d a l a n a . R a s i o M o d a l S e n d ri i

  4 3 ,

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  6 6 , t e r h a d a p T o t a l A s e t b . R a s i o M o d a l S e n d ri i

  6

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  6 5 %

  1 6 6 0 , t e r h a d a p P i n j a m a n d i b e ir k a n y a n g b e ir s i k o c . R a s i o K e c u k u p a n

  7 3 ,

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  1 e . M a n a j e m e n L i k u i d ti a s 3 , 4 . E if s i e n s i a . R a s i o B e b a n O p e r a s i

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  8

  5 T a b e l 5 .

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N o . K o m p o n e n S k o r

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b . R a s i o B e b a n U s a h a

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  8 7 %

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  5 5 %

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  7 8 %

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  1

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  4

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  7 5 ,

  8 2 %

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  8

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  r a s i o v o l u m e p i n j a m a n p a d a a n g g o t a t e r h a d a p v o l u m e

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  I M a n u n g g a l K u a t M a k m u r s u d a h b a i k n a m u n k u r a n g b a i k p a d a r a s i o c a d a n g a n ir s i k o t e r h a d a p p i n j a m a n b e r m a s a l a h . c . A s p e k M a n a j e m e n

  B e r d a s a r k a n h a s i l w a w a n c a r a d a n o b s e r v a s i t e r h a d a p a s p e k m a n a j e m e n , p a d a t a h u n 2 9 s a m p a i d e n g a n t a h u n

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  I M a n u n g g a l K u a t M a k m u r s u d a h b a i k k a r e n a s k o r y a n g d i h a s li k a n h a m p i r m e n c a p a i s k o r m a k s i m a .l d . A s p e k E if s i e n s i

  R a s i o b e b a n o p e r a s i a n g g o t a t e r h a d a p p a r it s i p a s i b r u t o d a n r a s i o e if s i e n s i p e l a y a n a n d a l a m a s p e k e if s i e n s i t e l a h m e n c a p a i s k o r m a k s i m a l , n a m u n r a s i o b e b a n u s a h a t e r h a d a p S H U k o t o r m e n d a p a t k a n s k o r y a n g t e r e n d a h k a r e n a b e b a n u s a h a y a n g t e lr a l u b e s a r d a n j u m l a h S H U k o t o r y a n g t e lr a l u r e n d a h . K P R

  I M a n u n g g a l K u a t M a k m u r m e m i il k i a s p e k e if s i e n s i y a n g k u r a n g b a i k k a r e n a s k o r r a s i o b e b a n u s a h a t e r h a d a p S H U k o t o r y a n g r e n d a h , e . A s p e k L i k u i d ti a s

  N li a i r a s i o k a s p a d a t a h u n

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  8

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  I M a n u n g g a l K u a t M a k m u r c u k u p b a i k d i t a h u n 2 9 d a n

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  .f A s p e k K e m a n d i ir a n d a n P e tr u m b u h a n N li a i r a s i o y a n g t e lr a l u r e n d a h d i s e b a b k a n k a r e n a n li a i t o t a l a s e t K P R

  I M a n u n g g a l K u a t M a k m u r y a n g t e lr a l u it n g g i d a n it d a k s e b a n d i n g d e n g a n n li a i S H U . N li a i r a s i o r e n t a b li ti a s m o d a l s e n d ri i y a n g r e n d a h j u g a d i s e b a b k a n k a r e n a n li a i S H U y a n g t e lr a l u k e c i l d a n it d a k s e b a n d i n g d e n g a n it n g g i n y a n li a i m o d a l s e n d ri i y a n g d i m i il k i K P R

  I M a n u n g g a l K u a t M a k m u .r S k o r y a n g m a k s i m a l d i p e r o l e h k a r e n a n li a i p a r it s i p a s i n e t o K P R

  I M a n u n g g a l K u a t M a k m u r l e b i h it n g g i d i b a n d i n g k a n d e n g a n j u m l a h b e b a n u s a h a d a n b e b a n p e r k o p e r a s i a n . A s p e k i n i d i K P R

  I M a n u n g g a l K u a t M a k m u r s u d a h c u k u p b a i k . g . A s p e k J a it d ri i K o p e r a s i

  R a s i o p a r it s i p a s i b r u t o p a d a t a h u n

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  1 1 m e n c a p a i n li a i d a n s k o r m a k s i m a l T i d a k m a k s i m a l n y a s k o r r a s i o p r o m o s i e k o n o m i a n g g o t a ( P E A ) d i s e b a b k a n k a r e n a r e n d a h n y a n li a i p r o m o s i e k o n o m i a n g g o t a d i b a n d i n g k a n d e n g a n j u m l a h a n t a r a s i m p a n a n p o k o k d a n s i m p a n a n w a ij b . A s p e k j a t i d ri i k o p e r a s i d i K P R

  I M a n u n g g a l K u a t M a k m u r m a s i h k u r a n g m a k s i m a .l

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  9

  . K e t e r b a t a s a n P e n e il it a n B

  D a l a m p e n e il it a n i n i , p e n e l ti i m e r a s a k a n a d a n y a k e t e r b a t a s a n d a l a m p e l a k s a n a a n m a u p u n h a s i l d a r i p e n e l ti i y a n g t e l a h l a k u k a n . D a r i h a s i l p e n e il it a n y a n g t e l a h d li a k u k a n d i K o p e r a s i P e g a w a i R e p u b il k I n d o n e s i a ( K P R I ) M a n u n g g a l K u a t M a k m u r d i S M P N e g e r i

  7 K l a t e n , k e t e r b a t a s a n y a n g d ti e m u k a n a d a l a h s e b a g a i b e ir k u :t 1 . H a s i l p e n e il it a n i n i b e r s fi a t i n t e r n a l , k a r e n a h a n y a d i g u n a k a n u n t u k m e n g e t a h u i it n g k a t k e s e h a t a n k o p e r a s i s i m p a n p i n j a m d a n h a n y a d i

  K o p e r a s i P e g a w a i R e p u b il k I n d o n e s i a ( K P R I ) M a n u n g g a l K u a t M a k m u r , s e h i n g g a h a s i l y a n g d i h a s li k a n m u n g k i n a k a n b e r b e d a ij k a d ti e r a p k a n p a d a k o p e r a s i s i m p a n p i n j a m a t a u u n ti s i m p a n p i n j a m l a i n . 2 . P e n e l ti i m e r a s a b e l u m c u k u p p a n d a i d a l a m m e l a k u k a n p e n g h ti u n g a n d a l a m b e r b a g a i r a s i o d i

  7 t( u j u h ) a s p e k y a n g a d a d a l a m P e r a t u r a n M e n t e r i N e g a r a K o p e r a s i d a n U K M R e p u b il k I n d o n e s i a N o .

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  . S a r a n C

  B e r d a s a r k a n h a s i l a n a il s i s d a n k e s i m p u l a n y a n g a d a , m a k a p e n e l ti i m e n g a j u k a n b e b e r a p a s a r a n s e b a g a i b e ir k u :t 1 . K o p e r a s i P e g a w a i R e p u b il k I n d o n e s i a ( K P R I ) M a n u n g g a l K u a t M a k m u r s e l a m a

  3 ( it g a ) t – a h u n b e tr u r u t t u r u t m e m i il k i b e b a n u s a h a d a n b e b a n p e r k o p e r a s i a n y a n g s a n g a t b e s a r t e r u t a m a b i a y a R a p a t A n g g o t a T a h u n a n ( R A T ) , m a k a d i h a r a p k a n d i t a h u n s e l a n j u t n y a b i a y a t e r s e b u t b i s a

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  9

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  2 . P e n e l ti i s e l a n j u t n y a d i h a r a p k a n b i s a m e n d a p a t k a n l a p o r a n k e u a n g a n y a n g l e b i h l e n g k a p a g a r h a s i l a n a il s i s m e n j a d i l e b i h b a i k l a g .i

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D A F T A R P U S T A K A

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  2 4 . E k o n o m i S k a l a K e c i /l M e n e n g a h & K o p e r a s i . B o g o r : G h a il a I n d o n e s i a .

  P a tr o m o , T i k it k S a r it k a .

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  _ _ _ _ _ _ _ _ _ _ _ _ _ _ ,

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  N n a d k i n i , it n a y i d i W . W . Y a i h d n i n u S

  : a tr a k a y g o Y .i d n A

   . a i s e n o d n I s i r a t o N n a r e P n a d i s a r e p o K m u k u H

  .s u i s i n a K : a tr a k a y g o Y .

   . i s a r e p o K n a ti d e r k r e P n a d n a l a d o m r e P

  . a g g n a lr E . M 2 . , r a h o T

  T n a d i r o e : i s a r e p o K k it k a r P . : a tr a k a J

  1 T 2 . a b m a n a o m o l a H n a d n if ir A , o it i S

  9 .

  • n a p m i s - l m t h . m a j n i p . d i/ /: p tt h i s a r e p o K /i k i w / g r o . a i d e p i k i w
  • g n a t n e t - /i s a r e p o k / i s a r e p o k
  • n a p m i s - m a j n i p - s k p- a r a t n a - m u k u h - n a p a r a h - n a d - / n a a t a y n e k
  • l a d o m - n a d - p i s n ir p - n a g n a u e k - . l m t h m u k u h J

  N A R

  I P M A L

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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