Sistem Informasi Koperasi Simpan Pinjam SMA Negeri 1 Lintongnihuta Berbasis Web

Abstract

The savings and loan cooperative (KOPERASI SIMPAN PINJAM) of SMA Negeri 1 Lintongnihuta plays an important role in supporting financial services in the school environment. This research aims to investigate the implementation of digital technology innovation in improving the efficiency and quality of financial services provided by the cooperative. The research method used is a case study, with a focus on analyzing the implementation strategy of digital technology in the operations of KOPERASI SIMPAN PINJAM SMA Negeri 1 Lintongnihuta. Data were collected through interviews, observations, and analysis of documentation related to cooperative activities. The results showed that the implementation of digital technology innovation has had a significant impact on the financial services provided by KOPERASI SIMPAN PINJAM SMA Negeri 1 Lintongnihuta. The use of digital banking applications for the management of savings and loan transactions has improved process efficiency, reduced administration time, and minimized the risk of manual errors. In addition, the integration of digital technology also expands the accessibility of financial services for cooperative members, especially in terms of balance monitoring, installment payments, and online loan applications. This provides ease and convenience for members in managing their finances more effectively. Nonetheless, challenges faced in the implementation of digital technology at KOPERASI SIMPAN PINJAM SMA Negeri 1 Lintongnihuta include the lack of adequate technological infrastructure, varying levels of digital literacy among members, and the need for ongoing support and training.