Achyar Rasyidi, Muhammad Firdaus, Hendro Sasongko

Judul	:	The Factors that Influence the Loan Repayments of Credit Union Members and Performance Analysis on Credit Union
Abstrak	:	Abstract   Abstract. Takera Credit Cooperative has a high level of non-performing loans (NPL) at 6.60 percent with greater emphasis on financial aspects in measuring its performance. The purpose of this study includes: (1) To analyze the factors that influence the loans repayments of the members of Takera Credit Cooperative to decrease NPL below 5 percent, (2) To evaluate the performance of Takera Credit Cooperative based on the Balanced Scorecard approach, (3) To formulate the alternative policy that become priority in improving the management performance of Takera Cooperative Credit. This research paper uses the case study approach on the factors that influence the loans repayments of the members, which is analyzed using logistic regression and descriptive analysis. The performance of Takera Credit Cooperative is analyzed with AHP in weighting scoring  criteria on BSC perspective. The results of this study are: (1) Loans is given to the members in the group with a "common bond". To conduct financial literacy and monitoring members whose age are above 30 years with low income, but with high loans ceiling and interests rate. Maximizing profits from lending and investment assets. (2) Encouraging members to meet obligations and utilize products. To provide rewards for active members. To create a database of members, To employ special staff for financial counseling and marketing. (3) Revising the Standard Operational Procedure on management of loans risk. Providing shuttle service for savings and loan installments. (4) To the competence of staff  for education, training, and mentoring. To provide access to the staff to the strategic information through the use of management information system technology. To create individual staff performance agreement form and developing remuneration packages. Keywords: balanced scorecard, credit union, takera credit cooperative   Abstrak. Koperasi Kredit Takera memiliki tingkat kredit bermasalah (NPL) yang tinggi yakni 6.60 persen dan selama ini pengukuran kinerja lebih menekankan pada aspek keuangan. Tujuan penelitian adalah: (1) Menganalisis faktor-faktor yang mempengaruhi pengembalian kredit anggota Kopdit Takera untuk menurunkan NPL di bawah 5 persen, (2) Mengevaluasi kinerja Kopdit Takera dengan pendekatan Balanced Scorecard, (3) Merumuskan prioritas alternatif kebijakan untuk peningkatan kinerja Kopdit Takera. Metode penelitian ini menggunakan pendekatan studi kasus tentang faktor-faktor yang memengaruhi pengembalian pinjaman anggota, yang dianalisis dengan menggunakan regresi logistik dan analisis deskriptif. Kinerja Kopdit Takera dianalisis dengan AHP untuk penentuan kriteria pembobotan pada perspektif BSC. Hasil penelitian ini adalah: (1) kredit diberikan kepada anggota dalam satu kelompok dengan ikatan pemersatu atau "common bond". Melakukan financial literacy dan monitoring anggota yang usianya > 30 tahun dengan pendapatan rendah, tetapi plafon kredit dan suku bunga pinjamannya tinggi. Memaksimalkan keuntungan dari aset pinjaman dan investasi. (2) Mendorong anggota memenuhi kewajiban dan memanfaatkan produk-produk. Memberikan reward bagi anggota yang aktif. Membuat database anggota dan menjaring anggota baru, mempekerjakan staf khusus sebagai konseling keuangan dan pemasaran. (3) Meninjau kembali manual SOP kredit dan manjemen resiko. Menyediakan pelayanan antar jemput simpanan dan pinjaman serta angsuran. (4) Peningkatan kompetensi staf dengan alokasi anggaran khusus untuk pendidikan, pelatihan, dan mentoring. Memberikan akses ke informasi strategik kepada staf melalui penggunaan teknologi sistem informasi manajemen. Membuat formulir kesepakatan kinerja individu staf dan mengembangkan paket remunerasi Kata kunci: balance scorecard, credit union, koperasi kredit takera
Tahun	:	2015	Media Publikasi	:	Jurnal Nasional Terakreditasi B
Kategori	:	Jurnal	No/Vol/Tahun	:	1 / 22 / 2015
ISSN/ISBN	:	0854-3844
PTN/S	:	Universitas Pakuan	Program Studi	:	MANAJEMEN
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