Loan Cooperatives Research Articles

The Role of Savings and Loan Cooperatives in the Development of Micro, Small, and Medium Enterprises (MSMEs)

The aim of this research is to identify the role of the Sibotolungun Savings and Loans Cooperative (KSP) in the development of Micro, Small and Medium Enterprises (MSMEs) in Medan Barat District and to determine the efforts of the Sibotolungun Savings and Loans Cooperative (KSP) in empowering the community economy in Medan Barat District . This research was conducted using qualitative analysis methods with data collection techniques through observation, interviews and documentation. The number of informants involved in this research was 4 people consisting of 1 KSP Sibotolungun employee and 3 MSME entrepreneurs. The results of this research show that: 1). The Sibotolungun Savings and Loans Cooperative (KSP) acts as a provider of capital financing for MSMEs, which contributes to economic growth and as an alternative savings institution other than banks. 2) KSP Sibotolungun’s Efforts to empower the community’s economy are carried out through providing counseling and Assistance to increase sales, so that entrepreneurs can remain competitive in the market.

PERMASALAHAN HUKUM PADA KEGIATAN KOPERASI SIMPAN PINJAM DI INDONESIA

Cooperatives, as key economic actors alongside State/Regional Owned Enterprises and the private sector, have recently come under scrutiny, particularly Savings and Loans Cooperatives (KSPs). Many KSPs have experienced payment failures, leading to legal issues. The widespread defaults in KSPs stem from regulatory gaps; while they engage in activities similar to banks, they are not fully regulated as such. One significant issue is the ineffective supervision of KSPs, many of which receive funds from external investors who are not members. Law on Financial Sector Development and Strengthening has acknowledged the existence of cooperatives that serve non-members (open loop). The Minister of Cooperatives Regulation 8/2003 has addressed past issues and incorporated best practices for banking activities, such as capping deposit and loan interest rates, setting maximum lending limits, business restructuring, and enforcing supervision and reporting standards. However, these regulations do not include provisions for a deposit guarantee institution for cooperatives, which is essential for mitigating the adverse effects of defaults on customers and cooperative members.

MURABAHAH FINANCING REPAYMENT OPTIMIZATION THROUGH 5C CREDIT ANALYSIS

This study investigates the impact of the 5C credit analysis principles (Character, Capacity, Capital, Collateral, and Conditions of Economics) on the smoothness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit either simultaneously or partially. Micro, Small, and Medium Enterprises (MSE) often face challenges due to a lack of business capital, despite financial products introduced by institutions like Savings and Loans Cooperatives and KSPPS BMT. Persisting issues in payment smoothness necessitate a comprehensive examination, particularly in credit analysis. This research employs a quantitative approach with logistic regression tests on a sample of 101 respondents using statistical techniques such as regression analiysis, wald test, and omnibus test of model coefficients. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit. Findings from the Omnibus Test of Model Coefficients confirm that the 5C principles collectively impact payment smoothness. Moreover, the Wald test identifies Character, Capacity, and Conditions of Economics as significant contributors to the effectiveness of murabahah financing payments at KSPPS BMT ItQan Soreang Unit. This research highlights the importance of applying the 5C credit analysis principles to improve risk management, policy development, operational efficiency, and financial inclusion in murabahah financing at KSPPS BMT ItQan Soreang Unit.

Peran Agency Theory Terkait Manajemen Risiko Kredit dalam Upaya Meminimalisir Kredit Bermasalah pada KSP Kopdit Obor Mas Kanca Pasar Alok

The aim of this research is to determine and analyze the role of agency theory related to credit risk management in efforts minimize problem loans at KSP Kopdit Obor Mas Kanca Pasar Alok. Research data was obtained through direct interviews with Pasar Alok branch managers, observation and documentation. This type of research is descriptive qualitative. The research results show that the analysis of the development of non-performing loans at the Kopdit Obor Mas Kanca Pasar Alok Savings and Loans Cooperative can generally be said to be tending to decline. The increase in non-performing loans from 2019 – 2023. This is caused by an unstable economic situation which ultimately causes people and companies' income to decrease so that customers are in arrears and is also a result of bad character until the time that has been discovered. Keywords: Agency Theory, Cooperatives, Risk Management, Non-Performing Loans

The Influence Of Collateral And Loan Term On Credit Decisions At The Swadharma Savings And Loans Cooperative Artha Gemilang In Blahbatuh District, Gianyar Regency

There is attention and problems encountered related to collateral and loan terms in credit decisions at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. The aim of the research is to determine the effect of collateral and loan term simultaneously and partially on credit decisions at the Swadharma Artha Gemilang Du Savings and Loans Cooperative, Blahbatuh District, Gianyar Regency. The number of samples was determined using the Accidental Sampling method as many as 90 credit customers at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. Data were analyzed using validity and reliability tests, classical assumption tests, multiple linear regression analysis, determination analysis, statistical analysis of the t test (t-test) and statistical analysis of the F test (F-test). The results of the research show that there is a positive and significant influence, both partially and simultaneously, between collateral and loan term on credit decisions at the Swadharma Artha Gemilang Savings and Loans Cooperative in Blahbatuh District, Gianyar Regency. Keywords: ,

Pengabdian Kepada Masyarakat Inovasi Pengembangan Teknologi Informasi Dalam Pengelolaan Koperasi Simpan Pinjam (KSP)

This service aims to explore the application of information technology in the management of Savings and Loan Cooperatives (KSP) to improve operational efficiency and quality of service to cooperative members. The problems faced by cooperatives include the lack of utilization of information technology, lack of operational efficiency, and limited services to members. To overcome these problems, this service uses a qualitative analysis approach through surveys, interviews, and observations. The purpose of this service is to provide practical guidance for KSP in adopting and implementing information technology, as well as contributing new knowledge in the literature on the application of information technology in KSP. The contributions of this service include providing concrete solutions to the problems faced by KSP, as well as increasing the theoretical understanding of the role of information technology in improving the performance of KSP. The results of the service show that the application of information technology has successfully improved the operational efficiency of KSP and the accessibility of services to members. The implications include the potential to improve the economic welfare of cooperative members and its relevance as a guide for policy makers in designing regulations that support the development of cooperatives. Thus, this service offers practical solutions and important knowledge contributions in improving the performance and relevance of KSPs in the digital era.

Pelaksanaan Perjanjian Kredit pada Koperasi Simpan Pinjam Kopdit Swasti Sari Kota Kupang

The purpose of this research is to analyze the implementation of credit agreements at the Kopdit Swasti Sari savings and loan cooperative in Kupang City. The writing of this research uses empirical legal methods. Types and sources of data are primary data, secondary data and tertiary data. Data techniques are conducted by interview, documentation and literature study. Data processing is done by Editing, and Coding. The results of this study are that the problems that arise in credit agreements at the Swasti Sari Savings and Loan Cooperative in Kupang City are bad debts, namely loans that have difficulty by the debtor to fulfill the obligations agreed upon between the creditor and the debtor due to deliberate or out of control factors. Problems regarding bad credit occur from the debtor or cooperative members who are late in fulfilling installments or do not pay their debts. The settlement procedure for defaults in credit agreements at the Swasti Sari Savings and Loan Cooperative is that if the debtor has income and there is a good intention to settle the loan, rescheduling can be carried out, if the debtor has income but does not have a good intention to settle the loan, confiscation of collateral can be carried out, if the debtor no longer has income but there is a good intention to settle the loan, it can be done by offering the sale of collateral, if the debtor no longer has income or there is no good intention to settle the loan, confiscation of collateral can be carried out and then sold.

Manajemen Risiko, Pengelolaan Dana Dan Pentingnya Lembaga Penjamin Simpanan Dalam Koperasi Simpan Pinjam di Indonesia

This study emphasizes the functions of the Indonesian Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) in savings and loan cooperatives (KSP), such as managing funds and managing risks. KSPs play an important role in the micro economy, especially in providing financial access to people who are not served by banks and other formal financial institutions. This research employs a qualitative methodology and uses a literature review approach. A qualitative approach was chosen as it allows for a more in-depth understanding of the complex issues of risk management, fund management, and deposit insurance functions in savings and loan cooperatives in Indonesia. To ensure the viability and health of this sector that aims to make a significant contribution to financial inclusion and inclusive economic growth, the government, financial institutions, and cooperatives must work together. To advance the savings and loan cooperative sector in Indonesia, strategic measures should be taken, such as improving risk management and supporting IDICs. Ultimately, this will support the stability of the national financial system and the economic well-being of people in Indonesia.

The role of financial accountability control in improving financial performance

Purpose – This study aims to describe the effect of diversity of knowledge and financial capabilities on accountability for behavior control and improvement of financial performance.Design/methodology/approach – The population in this study were all branches of the Baitul Maal Wat Tamwil Sharia Savings and Loans Cooperative (KSPPS BMT) in Central Java. The sample used purposive sampling to obtain 146 respondents. Data were analyzed using the Structural Equation Modeling (SEM) analysis technique with the application of Analysis Moment of Structural (AMOS 24).Findings – The results of the study explain the increase in financial performance based on Behavioral Accounting Theory and Human Resource Management Theory. The behavior control accountability model shows that perceived interest and intention in self-confidence to control accountability behavior as indicated by behavioral intention, perceived behavioral control, process and financial accountability can affect financial performanceResearch limitations/implications – Where the factors of diversity of knowledge and financial capability in shaping accountability for behavior control and impact on financial performance will offer a deeper understanding of the supporting factors for accountability for behavior control and also have an impact on efforts to improve financial performance.Practical implications – A better understanding of the factors influencing improvement efforts should assist accountants in information processing, quality of judgments, accounting problems that arise with accounting users and preparers, and the use of information in accounting decision making.Originality/value – Using and explaining about improving financial performance based on Behavioral Accounting Theory and Human Resource Management Theory. The behavior control accountability model shows that perceived interest and intention in self-confidence to control accountability behavior as indicated by behavioral intention, perceived behavioral control, process and financial accountability can affect financial performance

Development Prediction Model to Optimize Cooperative Loans Based on Machine Learning Algorithms

Default on loans by borrowers to the cooperative to optimize the cooperative's business performance. In this research, a default prediction model was developed using several quite popular machine learning algorithms, namely decision tree, K-NN, logistic regression, and random forest, then all models with each of these algorithms were compared and evaluated. to find out which algorithm model is the most effective and accurate in predicting loan defaults in cooperatives. Model evaluation is carried out using metrics such as accuracy, precision, recall, and f1-score. The dataset used in this research was obtained from the loan list at one of the Savings and Loans Cooperatives in Tasikmalaya Regency, the contents of which include attributes such as borrower profile, loan amount, number of installments, and others. This dataset is divided into training data and test data to train and evaluate the model. These machine learning algorithms were chosen because they are quite well known among other algorithms for prediction and have been proven in several financial studies. The results of this prediction model can be used by cooperatives to support decisions in providing appropriate loans.

Analisis Penyaluran dan Pengawasan Kredit pada Kopdit (CU) Pardomuan Pakkat Cabang Onan Ganjang

This study aims to determine whether the distribution and supervision of credit carried out by Kopdit (CU) Pardomuan Pakkat Onan Ganjang Branch is in accordance with the provisions that apply to previous savings and loan cooperatives. The types and sources of data used in this research are primer and secondary data. The data collection methods used in this research are documentation method and interview method. The data analysis method used is descriptive analysis method. Based on the results of research conducted by researchers, the following conclusions were obtained. The credit distribution process carried out by Kopdit CU Pardomuan Pakkat Onan Ganjang Branch is in accordance with the credit distribution process in general. Credit supervision at Kopdit CU Pardomuan Pakkat Onan Ganjang Branch has been effective nd has been carried out according to the rules set and implemented. Suggestions that can be given by the author of this research are. Provide direction and guidance to officers to be committed and consistent. Debtors should be consistent with the rules and credit agreements that have been agreed upon. It is expected to increase supervision of business profits. Credit distribution also needs to be done better so that customers do not misuse credit.

Hybrid Data Mining For Member Determination And Financing Prediction In Syariah Financing Saving And Loan Cooperatives

Syariah Financing Saving And Loan Cooperatives (KSPPS) is an Islamic financial institution aimed at people who are on the lower middle scale to lift the economy of small communities through microfinancing programs. Problems that often occur in member recommendations to get KSPPS financing are often not on target. In addition, The amount of member financing is often problematic due to a lack of analysis, resulting in poor financing instalments. This research aims to present an analysis model for clustering and classification using hybrid data mining algorithms. This research method is using hybrid data mining Algorithms, namely K-Medoids, Naïve Bayes, and k-Nearest Neighbors (k-NN). This study uses the historical dataset of the last two years on KSPPS BMT Dadok Tunggul Hitam as a total of 70 data samples. The analysis parameters consist of income, business, residence Status, financing application, billing history, and balance amount. The best analysis Model will be obtained by comparing the results between Naïve Bayes with K-Medoids, and K-Nearest Neighbor (k-NN) with K-Medoids. The results of this research showed the best performance is using the hybrid Naïve Bayes data mining model with K-Medoids which has an accuracy of 90.91% for data split 70:30, while performance with K-fold cross-validation shows an accuracy of 93.49% using this algorithm. Overall, the results of this study can provide an effective analysis model to determine the status of the loan.

The Influence of Service Quality and Employee Performance on Customer Satisfaction in the Maja Langu Savings and Loan Cooperative, Denpasar

Purpose:In the competitive business world, customer satisfaction is the main focus for companies. It is not just a goal but also the key to attracting and retaining consumers. This study investigates the influence of service quality and employee performance on customer satisfaction at the Maja Langu Savings and Loans Cooperative, Denpasar.Methodology:64 respondents were successfully obtained by applying the purposive random sampling method and considered representative of the overall sample. Data analysis was carried out using multiple linear regression after undergoing instrument and classical assumption tests. The approach used is quantitative, with a questionnaire as the data collection instrument.Findings:The research results show that service quality and employee performance positively and significantly impact customer satisfaction at KSP Maja Langu, Denpasar. These two factors individually have a positive and significant influence on customer satisfactionImplication:These findings have important implications for the management and employees of KSP Maja Langu in maintaining and increasing customer satisfaction. Improving service quality and employee performance will help increase customer satisfaction at the Maja Langu Denpasar Savings and Loans Cooperative.

Pengaruh Modal Sendiri, Total Aset, Volume Usaha, Jumlah Anggota dan Modal Luar terhadap Sisa Hasil Usaha Koperasi Simpan Pinjam

This research aims to determine the influence of own capital, total assets, business volume, members and outside capital on the remaining business results in Savings and Loans Cooperatives. Sampling in this research used a purposive sampling method by analyzing 32 cooperatives from 83 Savings and Loans Cooperatives in Banyumas Regency from 2019-2022. Data analysis was carried out using the multiple linear regression method. The results of this research show that the variables of own capital, business volume, have a positive and significant effect on the remaining business results, while the variables total assets, members, external capital do not have a significant effect on the remaining business results. The research results showethat own capital is a variable that has a relatively large influence on the remaining business results, so it is best for savings and loan cooperatives to maintain the condition of their own capital structure, and try to develop their members so that members increase the amount of principal savings and mandatory savings, so that they can increase their own capital.

Peningkatan Pengelolaan Data Karyawan Menggunakan Sistem Informasi E-SDM pada Koperasi Syariah BMT IM Jateng

The need to process data and information quickly has become a widespread phenomenon and is very important to support various fields of human work. Many work sectors are now switching from manual methods to computerized systems in order to improve work results. Especially in financial institutions such as savings and loan cooperatives, computerized systems are vital considering the very large number of transactions every day. For example, the BMT Insan Mandiri Cooperative recently developed a management information system to manage employee data. The hope is that this system can improve the management of employee data owned by cooperatives. However, problems arose when cooperative HR staff were not used to using the information system, which caused difficulties in collecting employee data through the system. Therefore, there needs to be training to increase the use of HR management information systems (E-SDM). This training will be integrated into the community service program by way of practicum. The aim is for cooperative managers to use the management information system properly to improve employee data management in the cooperative.

Wanprestasi oleh Koperasi Simpan Pinjam: Bagaimana Dampak Hukumnya?

The development of the national economy and the changes that occur in the business environment, including the savings and loan cooperative unit, which is directed to always encourage and play an active role in increasing the income of its members in order to be able to overcome existing social inequality. Cooperatives are a joint business entity that struggles in the economic field by taking the right and steady path with the aim of freeing itself from the economic difficulties generally suffered by its members. However, in reality, this cooperative has not been maximized in controlling credit so that the ability to generate Residual Income (SHU) is still less effective and must enter the realm of court because of defaulting on its customers. Therefore, this research will analyze legal protection in the event of default by the company in this context is the Cooperative. This research is normative (legal) research. The results of this study conclude that the Cooperative Law does not specifically mention legal protection for customer funds while for customers the protection is seen in article 7 and article 8 of Government Regulation Number 33 of 1998 concerning Participation Capital in Cooperatives and the protection of customers is not regulated with certainty so that regulations are needed to resolve defaults committed by business actors of Savings and Loan Cooperatives.

Analisis Pengelolaan Wakaf Uang pada Koperasi Simpan Pinjam Pembiayaan Syariah (KSPPS) Gumarang Akbar Syariah Mataram

The Gumarang Akbar Syariah Mataram Savings and Loans Cooperative (KSPPS) is an institution that manages zakat and waqf funds for the welfare of the people. This study aims to determine the process of cash waqf management and to determine the effectiveness of cash waqf management at KSPPS Gumarang Akbar Syariah Mataram. The type of research used is qualitative with a descriptive approach and the data collection techniques used are observation, interviews and documentation. The results of this study indicate that the waqf implemented by KSPPS Gumarang Akbar Syariah Mataram is in the form of cash waqf. In collecting waqf funds, the proceeds from collecting waqf money are used for empowerment/economic welfare of the people and for social-religious activities. And the management of cash waqf carried out by KSPPS Gumarang Akbar Syariah Mataram has not been implemented effectively because the funds managed are still very minimal. And if seen from the regulations BWI Regulation Number 1 of 2009 concerning guidelines for the management and development of movable waqf assets in the form of money, they are still carried out in a simple manner or have not been implemented in accordance with these guidelines.

The Influence Of Entrepreneurial Competence And The Utilization Of Digital Marketing To Improve Business Performance In The Community Of Weru Kidul Village, Weru District, Cirebon District

Weru Kidul Village has several industrial potentials, including the handicraft industry, food industry, materials industry, savings and loan cooperatives, restaurants, and livestock. Based on the data from BPS, the number of entrepreneurs in Indonesia is only 3.47%, which still needs to be increased to become a developed country. Indonesia needs 12 to 14 percent. In this case, an increase in entrepreneurs needs to increase the number of entrepreneurs in Indonesia. This study aims to determine how much influence entrepreneurial competency and digital marketing use have on business performance. The method used in this research is a quantitative descriptive method. From the results of the study, it was found that entrepreneurial competence and the use of digital marketing had a significant effect on business performance.

The Effects of Human Resources Competency, Accounting Information Technology Implementation and Motivation on Financial Statement Quality of Savings and Loan Cooperative in Banyumas Regency

The Effects of Human Resources Competency, Accounting Information Technology Implementation and Motivation on Financial Statement Quality of Savings and Loan Cooperative in Banyumas Regency

Workload, Motivation, and Satisfaction's Impact on Employee Performance in Karimun's Savings and Loan Cooperative

This qualitative research focuses on employees of savings and loan cooperatives in Karimun and Batam, comprising two Savings and Loan Cooperatives (KSP) in Karimun and five KSPs in Batam, including KSP CU Jembatan Kasih, KSP Golden Madani Sejahtera, KSP Tuah Madani Sejahtera, and KSP Pioneer Golden Raya. The study involves 100 respondents selected through purposive sampling, employing a survey method with questionnaires distributed directly to respondents. The Likert scale (1 to 5) serves as the measurement scale, and data analysis utilizes multiple linear regression with the SPSS program. The results support Hypotheses H1, H2, and H3, confirming the positive impacts of workload, work motivation, and job satisfaction on employee performance in Savings and Loan Cooperatives in Karimun. However, Hypothesis H4, proposing simultaneous influences from workload, motivation, and satisfaction, is only partially supported, with workload and work motivation exhibiting significant impacts while job satisfaction does not demonstrate a statistically significant role. These findings enhance our understanding of factors influencing employee performance in Savings and Loan Cooperatives in Karimun.