Pengaruh Pemberian Pinjaman Produktif terhadap Pendapatan Usaha Anggota di Kopdit Serviam Penfui Kupang

This research was written by Kabrini Mulya Mutiara (31122024) from the Development Economics study program under the supervision of Adrianus Ketmoen SE., MM as the first supervisor and Mrs. Agnes Susanti Indrawati S.E., M.E, as the second supervisor with the research title "The Effect of Providing Productive Loans on the Business Income of Members at Kopdit Serviam Penfui Kupang." This study aims to analyze the process of providing productive loans, the utilization of productive loans, as well as the effect of providing productive loans on the business income of members at Kopdit Serviam Penfui Kupang. This research uses a qualitative approach with a descriptive method. Data collection techniques were carried out through in-depth interviews, observation, and documentation. Data analysis was conducted through stages of data reduction, data presentation, and conclusion drawing.The research results indicate that the process of providing productive loans at Kopdit Serviam Penfui Kupang has been carried out in accordance with the principles and procedures of the cooperative, starting from the application stage, feasibility analysis, disbursement, to supervision. Productive loans are generally used by members as additional business capital, such as for purchasing raw materials, adding production equipment, and supporting smooth business operations. Although there is a small portion of loan funds used for urgent household needs, overall the loans are still used for productive economic activities. This study also found that providing productive loans has a positive impact on members' business income. This is demonstrated by the increase in business income, better business stability, and the ability of members to expand their business scale after receiving productive loans. However, the amount of business income increase varies among members, depending on business management skills and the utilization of the loan. Thus, productive loans play an important role as a means of economic empowerment for cooperative members in increasing business income.