Koperasi simpan pinjam tidak lepas dari masalah kredit, sebagai lembaga simpan pinjam harus mampu mengelola, menghimpun, dan menyalurkan dana masyarakat secara efektif dan efisien agar meningkatkan taraf hidup bagi anggota khususnya dan masyarakat pada umumnya. Pemberian kredit merupakan suatu bentuk usaha yang dilakukan koperasi untuk mengolah modal yang dimiliki dari hasil donasi dan simpanan anggota untuk memberikan pinjaman kepada anggota dengan mengambil keuntungan dari pembayaran bunga anggota yang melakukan pinjaman. Namun, pengelolaan perkreditan mempunyai berbagai masalah yang cukup rumit seperti timbulnya kredit bermasalah. Untuk mendapatkan hasil yang baik diperlukan pengelolaan perkreditan yang baik dengan penerapan pengendalian internal yang efektif dan efisien, selain pengendalian internal kredit kualitas tenaga pemasar kredit juga memegang peranan penting dalam menjembati hubungan antar koperasi dengan anggotanya. Kualitas tenaga pemasar merupakan suatu bentuk pengetahuan atau kemampuan yang dimiliki oleh tenaga pemasar kredit yang nantinya akan berpengaruh pada hubungan bisnis. Tujuan penelitian ini adalah untuk mengetahui pengaruh antara kualitas tenaga pemasar kredit serta pengendalian internal kredit secara parsial maupun simultan terhadap kredit bermasalah, sampel yang digunakan dalam penelitian ini adalah sampel jenuh. Hasil dari penelitian ini menyatakan bahwa kualitas tenaga pemasar kredit serta pengendalian internal kredit  secara parsial dan simultan berpengaruh negatif terhadap kredit bermasalah.

Agriculture in Indonesia is the driving force for the country's economy. Farmers in an effort to improve the quality and productivity of agricultural products use pesticides. The use of pesticides to control pests is growing rapidly. Banjar farmers from the Dasong Department are active pesticide users, so there is a potential for pesticide exposure. This study aims to determine the relationship between risk factors and complaints on horticultural farmers in Banjar Dinas Dasong, Pancasari Village, Sukasada District, Buleleng Regency. This study is an analytical observational study with a cross-sectional approach using 46 respondents. Data were analyzed by SPSS using chi-square test and logistic regression. The results of the Chi-Square test showed that there was no significant relationship between age, pesticide dose, duration of spraying, time of spraying, and frequency of spraying with complaints from farmers (p>0.05). While there is a significant relationship between the use of PPE with complaints to farmers (p <0.05). The results of the logistic regression test showed that the duration of spraying, spraying time, frequency of spraying, and use of PPE with complaints to farmers was not significant (p>0.05). This is due to other external factors. This research can be concluded that there is no correlation between the duration of spraying, spraying time, frequency of spraying, and the use of PPE with the complaints of farmers in Banjar Dinas Dasong, Pancasari Village, Sukasada District, Buleleng Regency.

Agriculture in Indonesia is the driving force for the country's economy. Farmers in an effort to improve the quality and productivity of agricultural products use pesticides. The use of pesticides to control pests is growing rapidly. Banjar farmers from the Dasong Department are active pesticide users, so there is a potential for pesticide exposure. This study aims to determine the relationship between risk factors and complaints on horticultural farmers in Banjar Dinas Dasong, Pancasari Village, Sukasada District, Buleleng Regency. This study is an analytical observational study with a cross-sectional approach using 46 respondents. Data were analyzed by SPSS using chi-square test and logistic regression. The results of the Chi-Square test showed that there was no significant relationship between age, pesticide dose, duration of spraying, time of spraying, and frequency of spraying with complaints from farmers (p>0.05). While there is a significant relationship between the use of PPE with complaints to farmers (p <0.05). The results of the logistic regression test showed that the duration of spraying, spraying time, frequency of spraying, and use of PPE with complaints to farmers was not significant (p>0.05). This is due to other external factors. This research can be concluded that there is no correlation between the duration of spraying, spraying time, frequency of spraying, and the use of PPE with the complaints of farmers in Banjar Dinas Dasong, Pancasari Village, Sukasada District, Buleleng Regency.