The aim of this study is generally to find out bad loans in the cooperative employees tirta dharma khatulistiwa Pontianak city. The method used in this research is descriptive method. Granting loans to members of the cooperative are not selective in which no judgment 5C generally done before the credit is given. The terms of the loan are set very easily so that members are able to meet the terms of the loan. Factors causing bad loans largely resulting from the cooperative. As the cooperative is not too make an assessment at the time of applying for loans and weak members of credit supervision system. Then the insistence of members who borrow as members threatened to quit if it can not be given loans. Efforts made by the employees' cooperative tirta dharma in resolving bad debts is through debt rescheduling (rescheduling) that by extending the term of the credit and installment as well as provide new loans to then cut the remaining credit borrowing members.