4600 ______________________________________________________________ DOI: https://doi.org/10.33258/birci.v4i3.2244 The Effect of Total Deposits and Loan Arrears on the Income of CU Maju Bersama Cooperatives in Siantar District (Before and During Covid-19) Fitri Sitinjak 1 , Pinondang Nainggolan 2 , Darwin Damanik 3 , Elidawaty Purba 4 1,2,3,4 Universitas Simalungun, Indonesia darwin.damanik@gmail.com I. Introduction Financial Institutions are all entities whose activities are in the financial sector, conducting, collecting and distributing funds to the public, especially to finance company investments. Financial institutions can be grouped into bank financial institutions (LKB) and non-bank financial institutions (LKBB). Bank financial institutions consist of central banks, commercial banks, rural credit banks, and joint venture banks, while non-bank financial institutions can be grouped into financing and investment institutions and selling securities and other financial institutions. Financing and investment institutions and selling securities consist of pawnshops, insurance, pension funds, and credit unions (MSMEs). CU Maju Bersama is one of the Credit Unions located on Jl. Asahan Km IV, Siantar District. With the Covid-19, many CU Maju Bersama members were unable to pay the installments so that CU Maju Bersama experienced a decrease in monthly income. In 2019 the number of members of the Maju Bersama Credit Union Cooperative reached 256 people, then in 2020 it reached 355 people. The data obtained from the Maju Bersama Credit Union Cooperative are as follows: Abstract This study aims to determine the effect of total deposits and loan arrears on the income of CU Maju Bersama cooperatives in siantar district (before and during covid-19). This research method uses a quantitative research approach. The result shows that the variable amount of savings has no significant effect on the income of the CU Maju Bersama Cooperative in Siantar District. Loan arrears variable has no significant effect on the income of CU Maju Bersama Cooperative in Siantar District. (Before and During Covid-19). The test results simultaneously state that the amount of deposits and credit arrears together has a significant effect on the income of the CU Maju Bersama cooperative in Siantar District (Before and During Covid-19). The results of the R2 test state that there is an effect of the amount of deposits and credit arrears on the income of the CU Maju Bersama cooperative in Siantar District. Keywords deposit; credit arrangements; cooperative income