Abstract
Karangasem Regency is one of the regencies in Bali which has the highest poverty rate in Bali, The Gerbangsadu Mandara program in 2016 has been distributed in 54 villages with an average budget of 1 billion rupiah per village. However, in mid 2017 the eruption of Mount Agung erupted causing economic paralysis in 22 affected villages in Karangasem Regency. Among them 18 villages are disaster prone areas (KRB) are recipients of the Gerbangsadu Mandara program. Indicators in measuring effectiveness used are performance measurement instruments for 2016-2018 in the form of CCR, ROI, LAR financial ratios aimed at measuring health and its relation to the readiness of citizens to receive further intervention from the government for the following year. The problems to be solved in this study are: How is the effectiveness of Gerbangsadu Mandara Special Financial Assistance (BKK) in 18 villages of Mount Agung Eruption in Karangasem Regency as seen from Cost Coverage Ratio (CCr), Return on Investment (ROI), and Loan at Risk (LAR). The results showed that during the period 2016-2018, the average performance of 18 Bumdes in Karangasem Regency for a Cost Coverage Ratio (CCr) ratio of 183% (very satisfying), Return on Investment (ROI) of 7% (quite satisfactory), and Loan at Risk (LAR) of 19% (minimum). Paired T-test shows that Sign.2-tailed value is greater than 0.05, it means that financial performance before and after the eruption of Mount Agung did not occur a significant significant difference. The conclusion is that the Bumdes financial performance in Karangasem Regency is not affected by the risk of the eruption of Mount Agung. The limitation of the research lies in the object of research at one financial institution that is Bumdes, further research this concept can be tested at other financial institutions such as Village Credit Institutions, Banks and Cooperatives.
Highlights
NATIONALLY ACCREDITED JOURNAL - DECREE NO. 21/E/KPT/2018 tahun 2016 sudah disalurkan di 54 Desa dengan ratarata anggaran per desa 1 miliar rupiah
The results showed during the 2016-2018 period, the average performance of 18 Bumdes in Karangasem Regency for a Cost Coverage Ratio (CCr) of 183%, Investment Return (ROI) of 7%, and Loans at Risk (LAR) of 19%
Based on the results of the calculation of the ratio CCR and Return onInvestment (ROI) have shown efficient criteria, but it is different from the results of LaR ratio calculation which shows inefficient criteria
Summary
Program menuntaskan masalah kemiskinan merupakan konsep pembangunan di setiap Negara. Penilaian terhadap efektifikas program Bantuan Keuangan Khusus (BKK) Gerbangsadu Mandarakhususnya program Simpan Pinjam BUMDes. Indikator dalam mengukur efektifitas yangdigunakan adalah instrumen pengukur kinerja yaitu berupa rasio keuangan CCr, ROI,LAR yang ditujukan untuk mengukur kesehatan UPK dan kaitannya dengan kesiapanwarga dalam menerima intervensi lanjutan dari pemerintah untuk tahun berikutnya (Kementrian Pekerjaan Umum pada buku Petunjuk Teknis Pinjaman Bergulir (2014). Terjadi bencana erupsi Gunung Agung yang berpotensi berpengaruh terhadap kinerja Bumdes dalam pelaksanaan program Gerbangsadu Mandara. Berdasarkan latar belakang, dapat dirumuskan permasalahan yang akan dipecahkandalam penelitian ini yaitu: Bagaimanakah efektifitas Bantuan Keuangan Khusus (BKK)Gerbangsadu Mandara pada 18 desa KRB Erupsi Gunung Agung Kabupaten Karangasem dilihat dari Cost Coverage Ratio (CCr), Return on Investment (ROI) dan Loanat. Risk (LAR) serta apakah terdapat perbedaan tingkatefektifitas Bantuan Keuangan Khusus (BKK)Gerbangsadu Mandara sebelum dan sesudah terjadinya risiko bencana alam erupsi Gunung Agung di Kabupaten Karangasem, Bali
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