Analytical Hierarchy Process as a Priority Strategy for Handling Bad Debts in Cooperatives

The Kediri City Government and the Regional Development Planning Agency are committed to accelerating the economic recovery of the Kediri city community after the impact of the Covid-19 pandemic, by focusing on MSME capital, the program named Kredit Usaha Melayani Warga or abbreviated as KOPERASI provides very low interest loans of 2% per year for business people in Kediri city. In the utilization of this credit, it turns out that there are still bottlenecks in installments, which if allowed to continue, will have an impact on financial losses and also not achieve the goal of community economic recovery. So that the government needs an in-depth study as a real form of handling bad credit and also the concept of effective and efficient KOPERASI program governance. This research uses a quantitative descriptive approach, by applying the Analytical Hierarchy Process (AHP) method. Starting from making questionnaires and determining respondents. The respondents selected were 7 experts, namely, officials at the Kediri City Cooperative & UMTK Office, lecturers at the Faculty of Economics, Universitas Nusantara PGRI Kediri, and MSME beneficiaries of the KOPERASI program. Then the answers are assessed and compared to produce a scale as a determination of the most effective method of overcoming bad credit.