The Role of Employee Performance in the Savings and Loan Cooperative (KSP) Mallomo Jaya Abadi, Makassar City

Abstract

This study aims to examine the role of employee performance in supporting the operational effectiveness of the Savings and Loans Cooperative (KSP) Mallomo Jaya Abadi in Makassar City, particularly in the context of growing competition among financial institutions. Employing a descriptive qualitative research design, data were collected through observation, documentation, and in-depth interviews with six informants, consisting of managerial and operational staff. The analysis was conducted interactively by reducing, categorizing, and interpreting data to reflect actual conditions. The findings reveal that employee performance, assessed through indicators such as work quantity, quality, punctuality, attendance, and cooperation, significantly contributes to the cooperative's service delivery and internal functions. However, several limitations were identified, including manual data processing due to limited access to digital tools, inadequate financial reporting skills, and a lack of targeted training programs. These factors hinder the cooperative’s ability to compete effectively in a digitalized economy. The study underscores the need for continuous capacity building, technological investment, and collaboration with educational institutions to enhance employee competencies. The results are expected to inform cooperative management practices and encourage further research on performance improvement in similar financial institutions.