scholarly journals The Community Dedeication Kampung Pulo geulis, Babakan Pasar, Kota Bogor Business Group Through Coaching And developing Saving and Loan Business Unit Passing Covid-19 Pandemic Time.

2020 ◽  
Vol 2 (2) ◽  
pp. 40-48
Author(s):  
Rodiana Listiawati
Keyword(s):  
Business Group ◽  
Business Unit ◽  
Savings And Loans ◽  
High Interest ◽  
Savings And Loan

Abstract       The main problem faced by Babakan Pasar Kampung Pulo Geulis exactly in RW IV Bogor City is the difficulty of getting credit for micro business so that they lend to Bank Keliling with high interest. The purpose of this community dedication is to transfer knowledge about the importance of forming saving and loan unit and motivate to develop saving and loan unit that has been established since last year.  The method provided to management and members of savings and loan is coaching by means of counseling to them and giving the guidance how to develop savings and loan business unit. They are to be trained how to record and make simple book keeping so that the members of savings and loan unit can know the amount of deposits and funds in a year. The sample of this community dedication is all members of savings and loan that is also as owners of micro unit who have already become the members of this unit for a year as training participants. After coaching and counseling, this savings and loans unit can get the benefit of them and also increase the member. The target of this dedication activity is to develop this unit and assist it by giving loan to its member as micro business actor.  Keywords: micro business, savings and loan unit, Kampung Pulo Geulis.

scholarly journals BUNGA PINJAMAN DALAM PERSPEKTIF KEADILAN (Studi Kasus Bunga Pinjaman di KPRI Nusantara IAIN Walisongo)

2016 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Ghufron Ajib
Keyword(s):  
John Rawls ◽  
Financial Services ◽  
Participant Observation ◽  
Primary Data ◽  
Present System ◽  
Business Unit ◽  
Savings And Loans ◽  
Savings And Loan ◽  
The Subject ◽  
Loan System

<p><em>The subject matter of this study motivated several considerations. The first is that justice is the main  major Islamic mission, including social and economic justice. The opponent of justice, namely zhulm (injustice), according to the modernist is  raison d'etre of  usury prohibition, and be decisive for usury  legal issues. Second, that since 1990 up to the present system of Shari'ah financial institutions more firmly and growing rapidly with the issuance of Law number  21, 2008 On Islamic Banking and the issuance  Minister of Cooperative Regulation 91, 2004 On Guidelines for the Implementation of Activities Cooperative Business Financial Services Shariah. While the savings and loan business unit in KPRI ‘Nusantara’ since its establishment, in 1973, untill now still running a conventional loan system. In this study, primary data, the loan system and the pattern of calculating interest on savings and loans unit KPRI Nusantara, collected using three methods: participant observation, and interviews with the management and documentat.</em><em></em></p><p><em>By using the concept of social justice of John Rawls, the concept maqashid al-Sharia, and the concept of Islamic financial cooperative systems, researchers discuss the issue through three aspects of justice, namely the aspect of contract, the consistency aspect of interest, and justice aspects of cooperatives. Two discussion of this study conclude the absence of justice, namely the aspects of the contract and consistency aspects of interest. The final discussion concludes that there is justice, which is the aspect justice cooperatives.</em></p>

scholarly journals Pengembangan Prototype Sistem Informasi Simpan Pinjam Koperasi Pribadi Manjung Ngawen Klaten

2021 ◽  
Vol 5 (1) ◽  
pp. 13-29
Author(s):  
Maria Atik Sunarti Ekowati ◽  
Endang Satyawati ◽  
Retno Palupi ◽  
SM Santi Winarsih
Keyword(s):  
Foreign Language ◽  
System Development ◽  
Drop Out ◽  
Business Unit ◽  
Joint Effort ◽  
Savings And Loans ◽  
Business Units ◽  
The People ◽  
Savings And Loan ◽  
Development Objectives

The term cooperative comes from the foreign language co-operation. Cooperative means joint effort. A cooperative is a business unit that collects and distributes funds for members of the cooperative itself. One of the cooperative business units is a savings and loan cooperative. Each member of the Savings and Loans Cooperative must make savings in accordance with the cooperative's provisions. Members can make loans, managed transactions are member savings transactions and member loan transactions. Savings and loan cooperative funds come from cooperative members. Because this savings and loan really helps the needs of members, if this savings and loan facility is dissolved because there is no coordination in data processing on savings and loans, the people in ngawen, manjung, will be less viable for their livelihoods, so that many children drop out of school, the result will be to destroy the nation's development and the state, because of that, it is necessary to develop a Manjung Ngawen Cooperative UMKM Savings and Loan Information System. Development objectives help, facilitate and accelerate cooperative administration in managing transactions. The method used by WatterFall, the result of system development is that the system can help calculate loan interest, loan installments, remaining unpaid loans, share SHU for each member and display data on reports on deposits, loans, and member payments.

scholarly journals Pendampingan dan Sosialisasi Penyusunan Risk Management pada KSP “Delta Surya Purnama”

2021 ◽  
Vol 6 (2) ◽  
pp. 190-196
Author(s):  
Mas'adah Mas'adah ◽  
Cuk Triono Singgih ◽  
Siti Musyarofah ◽  
Moh. Falikhul Isbah
Keyword(s):  
Risk Management ◽  
Community Service ◽  
Business Unit ◽  
Savings And Loans ◽  
Credit Management ◽  
Knowledge And Skills ◽  
Savings And Loan ◽  
Service Activities ◽  
Service Activity

Cooperatives in order to improve the welfare of their members form a savings and loan unit. However, in its development, the existence of the Jombang branch of the Delta Surya Purnama Savings and Loans Cooperative often experiences loan problems in risk management in the form of bad credit. Based on the problems faced by the management of the Delta Surya Purnama Savings and Loan Cooperative, the purpose of this Community Service activity is to provide socialization and assistance in preparing Risk management on credit management so as to minimize bad credit. The methodology used is carried out in the form of outreach/counseling and assistance in preparing Risk Management for good credit management. The results of Community Service activities are expected to increase the knowledge and skills of the administrators and members of the Jombang branch of the Delta Surya Purnama Savings and Loans Cooperative related to knowledge about risk management. The conclusion from this activity is that the Delta Surya Purnama Savings and Loan Cooperative in order to improve the welfare of members are allowed to run a savings and loan business unit. However, in its development, the Savings and Loans Cooperative often faces bad credit problems caused by the failure of the management who handles credit to collect.

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.

scholarly journals Penyelesaian Kredit Macet Melalui Upaya Litigasi di Koperasi Simpan Pinjam Surya Mandiri di Kabupaten Gianyar

2021 ◽  
Vol 2 (2) ◽  
pp. 440-446
Author(s):  
I Putu Surya ◽  
I Nyoman Sukandia ◽  
Ni Komang Arini Styawati
Keyword(s):  
Dispute Resolution ◽  
External Factors ◽  
Human Being ◽  
Internal Factors ◽  
Savings And Loans ◽  
Savings And Loan ◽  
Empirical Law ◽  
Research Problems ◽  
Settlement Of Disputes

Economic developmentin era globalization increasing, with finance becoming necessity for every human being. research problems are: What factors cause bad credit at Surya Mandiri Savings and Loans Cooperative Gianyar Regency and how bad credit settlement efforts through litigation at Surya Mandiri Savings and Loan Cooperative Gianyar Regency This type research used Empirical Law. the factors that cause bad credit  in cooperatives are internal factors that cause bad credit originating from the cooperative itself, external factors are factors that cause bad credit originating from customer side. Non-litigation is settlement of disputes outside the court that closed to public and the confidentiality of the parties guaranteed. Litigation dispute resolution is dispute resolution carried out through the court. It can be concluded that factors that cause bad credit at Surya Mandiri Savings and Loan Cooperative in Gianyar Regency are internal factors and external factors. The settlement of bad credit at Surya Mandiri Savings and Loan Cooperative in Gianyar Regency can be done by non-litigation and litigation. should not only pursue profit, but must be more assertive and apply the principle of prudence and Head of the cooperative credit department must be more careful providing loans to borrowers.

scholarly journals ANALISIS POLA PENJUALAN DENGAN MENGGUNAKAN ALGORITMA APRIORI PADA KOPERASI KARYAWAN YAYASAN ANAKKU

2019 ◽  
Vol 2 (1) ◽  
pp. 31-36
Author(s):  
Arfianto Darmawan ◽  
Titin Kristiana
Keyword(s):  
Data Mining ◽  
Strong Association ◽  
Apriori Algorithm ◽  
Business Unit ◽  
Savings And Loans ◽  
Transaction Data ◽  
Existing Problems ◽  
A Value ◽  
Transaction Database ◽  
Using Data

The Anakku Foundation Cooperative is a multi-business cooperative consisting of shop businesses, savings and loans, and student shuttle services. Every sale of stuff services will be inputted data directly to each business unit. The Anakku Foundation Cooperative still has problems, including store transactions that cannot yet answer what items are often sold, when stock items are still difficult to determine the items that are still available or almost running out. Data mining techniques have been mostly used to overcome existing problems, one of which is the application of the Apriori algorithm to obtain information about the associations between products from a transaction database. Transaction data on school equipment sales at Cooperative Employees of Anakku Foundation can be reprocessed using Data mining applications so as to produce strong association rules between itemset sales of school supplies so that they can provide recommendations for item alignment and simplify the arrangement or strong item placement related to interdependence. The results are found that the highest value of support and confidence is if buying MUSLIM L1.5P1, so it would buy AL-IZHAR II LOGO with a value of 14.5% support and 79.5% confidence

Savings and Loans in New Submarkets: Search for Predictive Factors

1967 ◽  
Vol 4 (2) ◽  
pp. 163-166
Author(s):  
Preston Martin
Keyword(s):  
Predictive Factors ◽  
Southern California ◽  
Average Income ◽  
Savings And Loans ◽  
Population Average ◽  
Savings And Loan

What are the predictive factors related to savings inflows in new savings and loan offices? Analysis of a sample of southern California offices reveals the importance of growth and the promotional aggressiveness of existing competitors in submarkets as predictive factors. The analysis casts doubt on the reliability of static measures such as population, average income, and savings penetration.

scholarly journals Analisis Sistem Pengelolaan Keuangan Produk Pembiayaan Syariah Dengan Akad Murabahah

2020 ◽  
Vol 1 (2) ◽  
pp. 150-161
Author(s):  
Wahid Wachyu Adi Winarto ◽  
Fatimatul Falah
Keyword(s):  
Qualitative Research ◽  
Financial Management ◽  
Management System ◽  
Secondary Data ◽  
Microfinance Institutions ◽  
Savings And Loans ◽  
The Public ◽  
Savings And Loan ◽  
Financial Management System

Cooperatives for Savings and Loans and Sharia Financing are microfinance institutions that collect funds from the public and distribute them to people who need these funds. The purpose of this study was to determine the financial management system of sharia financing with the murabahah contract in the Baitut Tamwil Tazakka Islamic Savings and Loan Cooperative. This research is qualitative research using interview and documentation methods and obtained primary and secondary data results. The results of this study are that the murabahah contract is one of the most dominant contracts in the Baitut Tamwil Tazakka Sharia Savings and Loan Cooperative. Among the products are funding and financing products. In non-performing financing or bad credit, it is known from Non-Performing Financing 0.4%, so to avoid this, the Saving and Loan and Sharia Financing Cooperatives use the 5C principles, namely Character, Capacity, Capital, Collateral, and Condition.

scholarly journals ANALISIS KINERJA KEUANGAN UNIT SIMPAN PINJAM PADA KOPERASI SERBA USAHA UPKD ARAU BINTANG JAYA KECAMATAN SUKARAJA KABUPATEN SELUMA

2019 ◽  
Vol 2 (2) ◽  
pp. 110
Author(s):  
Misparleni Misparleni ◽  
Neri Susanti ◽  
Rinto Noviantoro
Keyword(s):  
Financial Performance ◽  
Balance Sheet ◽  
Financial Statements ◽  
Average Score ◽  
Savings And Loans ◽  
Business Results ◽  
Savings And Loan ◽  
The Republic ◽  
Small Medium Enterprises ◽  
Medium Enterprises

The objective of this research is to determine the financial performance of the savings and loan unit at Koperasi Serba Usaha UPKD Arau Bintang Jaya in Sukaraja Sub-District OF Seluma Regency The analytical method use was can analysis of financial performance from financial statements, namely the balance sheet and PHU( Calculation of Business Result). balance sheet and PHU (Calculation of Business Results). Using savings and loans assessment analysis based on the Deputy for Supervision of the cooperatives and small medium enterprises of the Republic of Indonesia Number 06 / Per / Dep.6 / IV / 2016 in 2015-2017. The average score of the financial performance evaluation of Koperasi Serba Usaha UPKD Arau Bintang Jaya in 2015 was 68.10 with a fairly healthy assesment. Koperasi Serba Usaha UPKD Arau Bintang Jaya  in 2016 was 66.35 with a fairly healthy rating. The average score of Koperasi Serba Usaha UPKD Arau Bintang Jaya in 2017 was 66.60 with a fairly healthy assessment.

scholarly journals Pengaruh Kualitas Layanan Terhadap Kepuasan Dan Loyalitas Nasabah Unit Simpan – Pinjam Bumdes Dana Merta Desa Tangkup Kabupaten Karangasem

Widya Amrita ◽  
2021 ◽  
Vol 1 (1) ◽  
pp. 216-232
Author(s):  
Ni Komang Pani Yudiadari ◽  
Made Dian Putri Agustina
Keyword(s):  
Customer Satisfaction ◽  
Service Quality ◽  
Customer Loyalty ◽  
Collection Method ◽  
Savings And Loans ◽  
Service Companies ◽  
Savings And Loan ◽  
Validity Tests ◽  
A Company ◽  
Customer Satisfaction And Loyalty

Service quality plays a very important role for the sustainability of a company, especially service companies such as Village-Owned Enterprises (BUMDes) Dana Merta in Karangasem Regency, Bali which is engaged in savings and loan business. The purpose of this study was to determine the effect of service quality on customer satisfaction and loyalty of BUMDesa Dana Merta savings and loans unit. The data collection method in this study used a questionnaire aimed at 162 respondents for further analysis using validity tests, reliability tests and path analysis. From the results of data analysis, the answers to the problems posed were obtained, namely (1) service quality has a positive and significant effect on customer loyalty, (2) service quality has a positive and significant effect on customer satisfaction, (3) customer satisfaction has a positive and significant effect on customer loyalty. , and (4) satisfaction mediates the effect of service quality on the loyalty of BUMDes Dana Merta savings and loan customers.

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