Digitization of Savings and Loan Management to Improve The Accuracy of Financial Transaction Recording at The Cooperative

Abstract

This study aims to determine and analyze the implementation of MicroExcell-based digitalization of savings and loan management to improve the accuracy of financial reporting at the Merah Putih Sawangan Cooperative. Through qualitative analysis using triangulation techniques (observation, interviews, documentation) of the management of the Merah Putih Sawangan Cooperative as the object of research. Qualitative descriptive analysis was used to gain a comprehensive understanding of the impact of digitization on financial record-keeping. This research is expected to serve as a guideline for managers to implement the digitization of management in savings and loan management. The results of this study indicate that the implementation of MicroExcel-based savings and loan management digitalization at the Merah Putih Sawangan Cooperative has improved the accuracy of transaction recording and the quality of financial reports, replacing a manual system that was poorly integrated and prone to errors. This digitization facilitates systematic data management and speeds up the recapitulation process, thereby reducing input errors and data duplication, while also increasing the transparency of financial management. The results of this study provide practical guidelines for cooperatives in carrying out digital transformation for more accurate savings and loan management. This research has important implications for cooperatives, cooperative practitioners, academics, and the government.