Ghana: Susu, Village Savings and Loans, Credit Union, Rotating Savings System

2022 ◽  
pp. 135-149
Author(s):  
Christopher Boachie ◽  
Eunice A. Adu-Darko
Keyword(s):  
Credit Union ◽  
Savings And Loans

scholarly journals Analisis Kesehatan Koperasi Kredit Sentosa Palembang

MBIA ◽  
2021 ◽  
Vol 19 (3) ◽  
pp. 343-354
Author(s):  
Agustinus Supriyanto ◽  
Rikkie Dekas ◽  
Ita Ita
Keyword(s):  
Government Regulation ◽  
Small And Medium Enterprises ◽  
Credit Union ◽  
Average Score ◽  
Financial Reports ◽  
Savings And Loans ◽  
Quality Aspects ◽  
Savings And Loan ◽  
The Republic ◽  
Medium Enterprises

The Sentosa Credit Union (CU) is the primary cooperative that runs a savings and loan business and is guided by Government Regulation number 9 of 1995 concerning the implementation of savings and loan business activities. The author conducted research to determine the suitability of financial reports based on the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia number 06 / Per / Dep.6 / IV / 2016 regarding the assessment of the Health of Savings and Loans Cooperatives and Savings and Loan Units. This type of research is descriptive evaluative research. The data source used is primary dataThe results showed that the health level of Koperasi kredit Sentosa from 2017 - 2019 in the fairly healthy category, on average, got a score of 67.35 with details (1) the aspect of capital on average got a score of 13.80 in the healthy category; (2) the quality aspects of earning assets on average score 14.92 are in the fairly healthy category; (3) management aspects on average score 13.30 are in the healthy category; (4) the efficiency aspect averaged a score of 7.00 in the fairly healthy category; (5) the liquidity aspect scores on average 9.58 and is in the fairly healthy category; (6) aspects of independence and growth on average score 1.75 and are in the fairly healthy category; (7) the aspect of cooperative identity on average gets a score of 7.00 and is in the fairly healthy category   Abstrak Koperasi Kredit (Koperasi kredit) merupakan primer koperasi yang menjalankan usaha simpan pinjam dan berpedoman pada Peraturan Pemerintah nomor 9 tahun 1995 tentang pelaksanaan kegiatan usaha simpan pinjam. Penulis melakukan penelitian untuk mengetahui kesesuaian laporan keuangan  yang berpedoman pada Peraturan Deputi Bidang Kepengawasan Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia dengan nomor 06/Per/Dep.6/IV/2016 mengenai penilaian Kesehatan Koperasi Simpan Pinjam dan Unit Simpan Pinjam. Jenis penelitian ini adalah penelitian desktriptif evaluatif. Sumber data yang digunakan adalah data primer yang diterima langsung dari sumbernya. Hasil penelitian menunjukkan bahwa tingkat kesehatan Koperasi kredit Sentosa   dari tahun 2017 – 2019 kategori cukup sehat secara rerata mendapatkan skor 67,35 dengan rincian (1) aspek permodalan secara rerata mendapat skor 13,80 berada pada kategori sehat; (2) aspek kualitas aktiva produktif secara rerata mendapat skor 14,92 berada dalam kategori  cukup sehat; (3) aspek manajemen secara rerata mendapat skor 13,30 berada dalam kategori  sehat; (4) aspek efisiensi secara rerata mendapat skor 7,00 berada dalam kategori cukup sehat; (5) aspek likuiditas secara rerata mendapat skor 9,58 dan berada dalam kategori cukup sehat; (6) aspek kemandirian dan pertumbuhan secara rerata mendapat skor 1,75 dan berada dalam kategori cukup sehat; (7) aspek jati diri koperasi secara rerata mendapat skor 7,00 dan berada dalam kategori cukup sehat Kata Kunci: Tingkat kesehatan, Kinerja Koperasi kredit

scholarly journals Save And Loan Credit Information System Based On Web

2020 ◽  
Vol 2 (1) ◽  
pp. 14-20
Author(s):  
Eddis Syahputra Pane
Keyword(s):  
Information System ◽  
Credit Union ◽  
Microsoft Excel ◽  
Savings And Loans ◽  
Web Based ◽  
Microsoft Word ◽  
Savings And Loan ◽  
Waterfall Model ◽  
Life Path ◽  
Microsoft Office

Pancuran Hidup Credit Union is a cooperative engaged in a savings and loan business that provides loans for its members. In its development often encountered an error due to lack of accuracy of employees in processing data processing transactions and savings and loans that still use the manual system that is using Microsoft office (Microsoft word and Microsoft Excel). This manual system is less effective because the savings and loan transactions that occur are higher so that the calculation is even more numerous, and therefore requires an information system. The purpose of this research is to create a web-based savings and loan information system that helps make it easier for employees to manage member data and savings and loan transactions at the Pancuran Hidup Credit Union. In this study the authors used the Waterfall Model analysis method. The SDLC waterfall model is often also called the linear sequential model or classic life path. Based on the problems that have been discussed and resolved through this report, the conclusion can be drawn about the Savings and Loan Information System for the Union of Living Credit Pekanbaru based on Web, namely: Information Systems can facilitate the cooperative in making reports more quickly and produce accurate data

scholarly journals Pengaruh Kompensasi Terhadap Kinerja Karyawan Koperasi

2021 ◽  
Vol 12 (2) ◽  
pp. 289-300
Author(s):  
Burhanudin ◽  
Iyan Tri Suryanto
Keyword(s):  
Linear Regression ◽  
Multiple Linear Regression ◽  
Credit Union ◽  
Savings And Loans ◽  
Financial Compensation

The present study aimed to find out the effect of financial and non-financial compensation on employees’ performance. The participants of the study were sixty employees of Credit Union Dharma Kita Savings and Loans Cooperative, Sleman, Yogyakarta. The data were collected using questionnaire. Multiple linear regression was applied to analyze the data. The result of the study showed that financial compensation did not affect the Credit Union Dharma Kita Savings and Loans Cooperative employees’ performance, whereas non-financial compensation was reported to affect the Credit Union Dharma Kita Savings and Loans Cooperative employees’ performance.  

scholarly journals ANALISIS CUSTOMER PROFITABILITY PADA KOPERASI SIMPAN PINJAM “DIASPORA”

2021 ◽  
Vol 3 (2) ◽  
pp. 128-134
Author(s):  
Sinta Wijayanti ◽  
Yosua Damas Sadewo
Keyword(s):  
Quantitative Research ◽  
Financial Statements ◽  
Credit Union ◽  
T Test ◽  
Customer Profitability ◽  
Consumer Group ◽  
Test Technique ◽  
Savings And Loans ◽  
Credit Contracts ◽  
Difference Test

The purpose of this study was to analyze Customer Profitability in the Diaspora Savings and Loans Cooperative (Credit Union). This research is a comparative quantitative research. The consumers studied were limited to debtor customers only. There are 4 consumer groups studied, where each group consists of 30 customers. Data were collected by using a documentary study technique by examining credit contracts and financial statements of each customer. The data were analyzed by means of a mean difference test with an independent sample t-test technique. The results showed that the groups of consumers who gave the highest profitability were the cheap and passive groups. Meanwhile, the consumer group that tends to harm the cooperative is the aggressive group. Thus, it is suggested to the cooperative manager to increase the number of consumers in the cheap and passive groups and reduce the number of consumers in the aggressive group.

Analisis Perbandingan Manajemen Keuangan Ojek Online Dan Ojek Reguler Studi Kasus Kecamatan Duren Sawit Jakarta Timur

Liquidity ◽  
2018 ◽  
Vol 7 (1) ◽  
pp. 41-52
Author(s):  
M. Koesmawan ◽  
Darwin Erhandy ◽  
Dede Dahlan
Keyword(s):  
Financial Management ◽  
Average Income ◽  
Savings And Loans ◽  
Financial Difficulties ◽  
The Family ◽  
Family Finances ◽  
The Subject ◽  
Almost All

In order to meet the needs of living which consists of primary as well as secondary needs, human can work in either a formal or an informal job. One of the informal jobs that is became the subject of this research was to become an ojek driver. Ojek is a ranting motorcycle.  Revenue of ojek drivers, accordingly, should be well managed following the concept of financial management. This research was conducted for the driver of the online motorcycle drivers as well as the regular motorcycle drivers they are called “The Ojek”. Ojek’s location is in Kecamatan (subdistrict) Duren Sawit, East Jakarta with 70 drivers of ojeks. The online ojeks earn an average of Rp 100,000 per day, can save Rp 11,000 to 21,000 per day, while, the regular ojek has an average income per day slightly lower amounted to Rp 78,500, this kind of ojeks generally have other businesses and always record the outflow of theirs money. Both the online and regular ojeks feel a tight competition in getting passengers, but their income can help the family finances and both ojeks want a cooperative especially savings and loans, especially to overcome the urgent financial difficulties. Almost all rivers, do not dare to borrow money. They are afraid of can not refund the money as scheduled.

Financial Assessment of A Credit Union In West Timor, Indonesia

2017 ◽  
Vol 2 (2) ◽  
pp. 195-208
Author(s):  
Paskalis Seran ◽  
◽  
Corazon Anzano ◽  
Keyword(s):  
Credit Union ◽  
Financial Assessment ◽  
West Timor

PENGARUH AKTIVA TETAP DAN AKTIVA LANCAR TERHADAP PENDAPATAN PADA SIMPAN PINJAM PEREMPUAN UPK GERBANG SARI KECAMATAN RENGAT BARAT

2019 ◽  
Vol 7 (2) ◽  
pp. 101-108
Author(s):  
Angga Hapsila
Keyword(s):  
Hypothesis Testing ◽  
Significant Influence ◽  
Quantitative Methods ◽  
Correlation Coefficients ◽  
Multiple Correlation ◽  
Savings And Loans ◽  
Savings And Loan ◽  
Fixed Assets ◽  
Multiple Determination ◽  
Regression Correlation

This research is about savings and loans for women UPK Gerbang Sari, Rengat Barat District. The research lasted for 5 (five) months. This research try to determine the effect of whether there was a significant influence between fixed assets and current assets on income on women's savings and loans UPK Gerbang Sari, Rengat Barat District. The formulation of the problem to be investigated is whether there is a simultaneous and partial effect between fixed assets and current assets on women's savings and loan income UPK Gerbang Sari, Rengat Barat District. This research used quantitative methods, that illustrates whether there is a significant influence between fixed assets and current assets on income on savings and loans for women UPK Gerbang Sari, Rengat Barat District. To analyzed the data, this research used multiple regression, correlation coefficients, and Hypothesis testing which will be assisted using SPSS version 21. From the results of the study with the regression equation Y = 1,379,231-1,075 X1 + 0,214X2. This means: a = if the fixed assets and current assets are equal to Zero (0), then the value of income is equal to 1,379,231. The coefficient of multiple correlation R is 0.686. and furthermore tested with multiple determination Keofisie (R2 is 0.471. This indicates that (X1) fixed assets and (X2) current assets have together an influence of 47.10% and the remaining 52.90% is influenced by variables other than ( X1) and (X2). Hypothesis testing in which F arithmetic (0.891) <Ftable (3.00), then there is no significant effect simultaneously between fixed assets and current assets to income on savings and loans for women in UPK Gerbang Sari, Rengat Barat District.

THE INFLUENCE OF INTERNAL CONTROL SYSTEM EFFECTIVENESS, COMPENSATION COMPLIANCE, AND INFORMATION ASYMMETRY ON THE TENDENCY OF ACCOUNTING FRAUD (A CASE STUDY ON SEHATI CREDIT UNION)

2019 ◽  
Vol 24 (1) ◽  
pp. 23-35
Author(s):  
Amalia Nurul Hidayah ◽  
Misdiyono
Keyword(s):  
Control System ◽  
Information Asymmetry ◽  
Significant Influence ◽  
Internal Control ◽  
Secondary Data ◽  
Credit Union ◽  
Accounting Fraud ◽  
Internal Control System ◽  
System Compensation ◽  
System Effectiveness

A cooperative is a governmental organization established to enhance economic growth and national unity. As the development of the law on cooperatives, the present and developing institutions similar to Savings and Loan Union is called Credit Union. A cooperative is very vulnerable to the risk of loss. Insecurity is possible because of the tendency of accounting fraud. Some things that can affect the tendency of accounting fraud are internal control, compliance compensation, and information asymmetry. This research aims to determine whether there is any influence of internal control system effectiveness, compensation compliance, and information asymmetry on the tendency of accounting fraud. The research uses the quantitative method, and the research subject is Sehati Credit Union. The research data consist of primary and secondary data, especially the purposive sampling data which are collected from 36 respondents. Whereas, the data analysis technique uses multiple regression analysis using SPSS 21 software for Windows. The research concludes that the effectiveness of internal control system has a partially positive significant influence on the tendency of accounting fraud, compensation compliance has a partially negative significant influence on the tendency of accounting fraud, and information asymmetry has a partially positive significant influence on the tendency of accounting fraud. It means that the effectiveness of the internal control system, compensation compliance, and the information asymmetry have significant influences on the tendency of accounting fraud. Keywords: Internal Control System, Compensation Compliance, Information Asymmetry, Accounting Fraud.

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