Risk Management Model of Digital Teacher Savings Cooperatives in Northeastern Region

Abstract

The main objective of this research is to develop a risk management model for teachers' savings cooperatives in the digital era in the Northeastern region. It is carried out in three phases: Study of necessary needs and guidelines for risk management pattern creation and evaluate the model The sample group and target group used in the research consisted of 427 informants from 19 cooperatives. There were 9 experts in the study of risk management guidelines, 12 experts in model inspection, and 21 experts in the final model evaluation. The research tools consisted of questionnaires, interviews, and data recording forms. Group discussion recording form and form assessment Statistics used include percentages, averages, and standard deviations. and content analysis The results of the research found that the essence of the 5 elements of the format are as follows: 1) The purpose of the format. The model aims to provide 2) The principles of the model have 3 principles, namely the principles of good governance. Risk management principles and operating principles according to the quality cycle 3) The operating process of the model must take into account the three principles of the model and use digital technology in both planning and risk management operations. Risk identification Risk analysis Risk control Risk assessment and risk reporting 4) Evaluation of the model by measuring results based on the model's objectives, and 5) The condition for success of the model is reinforcement and trust among cooperative members.