Penerapan Enterprise Risk Management (ERM) Untuk Meningkatkan Ketepatan Pengambilan Keputusan Kredit : Studi Kasus Koperasi Konsumen X - Unit Simpan Pinjam Produk Gajian di Muka.= Implementation Of Enterprise Risk Management (ERM) To Improve The Accuracy Of Credit Decision-Making: A Case Study Of Koperasi Konsumen X – Unit Simpan Pinjam Produk Gajian di Muka

Anharudin, Luri Rahman (2026) Penerapan Enterprise Risk Management (ERM) Untuk Meningkatkan Ketepatan Pengambilan Keputusan Kredit : Studi Kasus Koperasi Konsumen X - Unit Simpan Pinjam Produk Gajian di Muka.= Implementation Of Enterprise Risk Management (ERM) To Improve The Accuracy Of Credit Decision-Making: A Case Study Of Koperasi Konsumen X – Unit Simpan Pinjam Produk Gajian di Muka. S2 thesis, Universitas Kristen Indonesia.

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Abstract

Penelitian ini bertujuan menganalisis risiko kredit pada Koperasi Konsumen X Unit Simpan Pinjam (USP) produk Gajian di Muka dengan menerapkan Enterprise Risk Management (ERM) berbasis ISO 31000:2018 melalui pendekatan Failure Mode and Effects Analysis (FMEA). Latar belakang penelitian mencakup meningkatnya rasio kredit bermasalah (Non-Performing Loan/NPL) yang melampaui batas toleransi koperasi, serta kelemahan dalam proses verifikasi dan pengawasan kredit yang berdampak pada ketepatan pengambilan keputusan kredit . Metode yang digunakan adalah kualitatif deskriptif melalui wawancara dan studi dokumen untuk menilai tingkat keparahan, frekuensi, dan kemampuan deteksi risiko kredit. Akar penyebab diidentifikasi menggunakan diagram fishbone dengan pendekatan 5 Why, kemudian dianalisis menggunakan FMEA untuk memperoleh nilai Risk Priority Number (RPN). Hasil penelitian menunjukkan bahwa terdapat beberapa risiko kredit dengan nilai RPN tinggi yang diprioritaskan untuk mitigasi, terutama terkait kelemahan verifikasi data, keterbatasan pengawasan, dan belum optimalnya sistem deteksi dini. Setelah penerapan strategi mitigasi berbasis ERM–FMEA, risiko kredit dapat dikendalikan melalui peningkatan prosedur operasional, penguatan sistem verifikasi, dan pengembangan early warning system. Temuan ini membuktikan bahwa integrasi ERM–FMEA efektif dalam meningkatkan deteksi dini, menurunkan potensi risiko kredit, serta mendukung ketepatan pengambilan keputusan dan keberlanjutan operasional koperasi./This study aims to analyse credit risk in Consumer Cooperative X, specifically within the Savings and Loan Unit (USP) for the “Gajian di Muka” product, by applying Enterprise Risk Management (ERM) based on ISO 31000:2018 through a Failure Mode and Effects Analysis (FMEA) approach. The background of this study is driven by the increasing ratio of non-performing loans (NPL) exceeding the cooperative’s tolerance threshold, as well as weaknesses in credit verification and monitoring processes that affect the accuracy of credit decision-making. This research employs a descriptive qualitative method through in-depth interviews and document analysis to assess the severity, occurrence, and detection capability of credit risks. The root causes were identified using a fishbone diagram combined with the 5 Why approach, and subsequently analysed using FMEA to obtain the Risk Priority Number (RPN). The findings indicate that several credit risks with high RPN values require priority mitigation, particularly those related to weaknesses in data verification, limited supervision, and the lack of an optimal early warning system. Following the implementation of ERM–FMEA-based mitigation strategies, credit risk can be controlled through improved operational procedures, strengthened verification systems, and the development of an early warning system. These findings demonstrate that the integration of ERM and FMEA is effective in enhancing early risk detection, reducing potential credit risk, and improving the accuracy of decision-making as well as the operational sustainability of the cooperative.

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