ANALISIS TINGKAT KESEHATAN KOPERASI PADA KOPERASI SYARIAH BAITUL QIRADH SURYA MADINAH BANDA ACEH TAHUN BUKU 2009-2010

2014 ◽  
Vol 2 (1) ◽  
Author(s):  
Aliamin
Keyword(s):  
Small And Medium Enterprises ◽  
Health Assessment ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Microfinance Institutions ◽  
Descriptive Research ◽  
Capital Ratios ◽  
Capital Financing ◽  
Asset Quality ◽  
Medium Enterprises

             The health assessment of Microfinance Institutions (MFIs) is a cooperative incorporated descriptive research study that aims to get the description of health BQ Surya Madinah (Islamic MFIs). The period for this study was raised in 2009 and 2010. The guidelines for use of cooperative health assessment, formulated by the Ministry of Cooperatives and Small and Medium Enterprises Republic of Indonesia, which poured through the Minister's decision No. 35.3/Per/M.KUKM/X/2007 for cooperative health assessment sharia. In a co-operative health assessment consists of eight aspects of sharia that aspects of capital valuation, asset quality, management, efficiency, liquidity, and growth kemadirian, cooperative identity, sharia compliance. However, in this study only four financial ratios studied the aspects of capital, asset quality, liquidity, and the independence and growth.             The results calculation (score) of each component aspect ratio shows the ratio of the components are not all aspects can be expressed well, only three ratios that can yield the best assessment of the capital adequacy ratio of the given conclusion score "HEALTHY" financial ratios for the funds received were conclusions scores "LIQUID" profitability and capital ratios are given conclusion score "HIGH".To obtain better achievements in the future, it requires a proper measures to raise awareness of all members of the cooperative to jointly participate in the implementation of cooperative activities, either in the form of capital, financing and deposits. Key words: health assessment, Islamic MFIs, and BQ Surya Madinah 

scholarly journals Menguak Penilaian Tingkat Kesehatan Koperasi Wanita

2021 ◽  
Vol 4 (2) ◽  
pp. 199-220
Author(s):  
Riko Agus Pramono ◽  
Driana Leniwati
Keyword(s):  
Small And Medium Enterprises ◽  
Secondary Data ◽  
Descriptive Research ◽  
Management Efficiency ◽  
Qualitative Descriptive ◽  
Productive Asset ◽  
Final Score ◽  
The Republic ◽  
Asset Quality ◽  
Medium Enterprises

The purpose of this study is to found see how healthy the Teratai Women Cooperative in Merjoyo Village, Purwoasri District, Kediri Regency. The aspects of capital, productive asset quality, management, efficiency, liquidity, independence and growth, as well as the cooperative's identity, are used to assess cooperatives, as per the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and Small and medium enterprises of the Republic of Indonesia Number 6 of 2016. This sort of research combines qualitative descriptive research with secondary data gathered from management accountability reports presented at Annual Member Meetings, specifically the cooperative financial accounts for 2018-2020. The results of the analysis show that the Teratai Women's Cooperative's health level rating in 2018-2020 had an average final score of 56.18, indicating that the predicate is under supervision.

scholarly journals Analisis Penilaian Kesehatan KSPPS BMT di Kecamatan Bungus Teluk Kabung Pada Masa Pandemi Covid 19

2021 ◽  
Vol 23 (1) ◽  
pp. 37-50
Author(s):  
Dewi Sartika ◽  
Fitrah Mulyani ◽  
Andre Ilyas
Keyword(s):  
Small And Medium Enterprises ◽  
Health Assessment ◽  
Field Research ◽  
Health Condition ◽  
Quantitative And Qualitative Research ◽  
Health Level ◽  
Library Research ◽  
Capital Ratios ◽  
The Republic ◽  
Medium Enterprises

The purpose of this research was to determine the Health Level of the KSPPS BMT in Bungus Teluk Kabung District during the Covid 19 pandemic by referring to the Regulation of the Deputy for Supervision of the Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia No. 07/Per/Dep.6/IV/2016. This research is included in the types of quantitative and qualitative research. In accordance with the objectives to be achieved in this research, namely to reveal the health condition of the KSPPS BMT in Bungus Teluk Kabung Subdistrict during the Covid 19 Pandemic. The data collection methods used in this research are field research and library research. The method of data analysis in this research uses capital ratios, quality of productive assets, management, efficiency, liquidity, independence and growth, cooperative identity and compliance with Sharia principles. The results of the health assessment that has been carried out by the KSPPS BMT in Bungus Teluk Kabung Subdistrict, the results of the health level of the KSPPS BMT Bungus Barat are "Fairly Healthy" with a score of 68.35, KSPPS BMT Bungus Selatan "Under Supervision" with a score of 54.35, KSPPS BMT Bungus Timur "Under Supervision" with a score of 60.35, KSPPS BMT Teluk Kabung Selatan "Under Supervision" with a score of 59.10, KSPPS BMT Teluk Kabung Tengah "Under Monitoring" with a score of 53.10 and KSPPS BMT Teluk Kabung Utara "Under Supervision" with a score of 56.60   ABSTRAK Tujuan dalam penelitian ini adalah untuk mengetahui Tingkat Kesehatan KSPPS BMT yang ada di Kecamatan Bungus Teluk Kabung pada masa pandemic covid 19 dengan berpedoman pada Peraturan Deputi Bidang Pengawasan Kementerian Koperasi dan Usaha Kecil dan Menengah Republik indonesia No. 07/Per/Dep.6/IV/2016. Penelitian ini termasuk dalam jenis penelitian Kuantitatif dan kualitatif. Sesuai dengan tujuan yang ingin dicapai dalam penelitian ini yaitu mengungkapkan keadaan kesehatan KSPPS BMT di Kecamatan Bungus Pada Masa Pandemi Covid 19. Metode pengumpulan data yang digunakan dalam penelitian ini adalah metode dokumentasi dan wawancara, Sedangkan untuk metode analisis data dalam penelitian ini menggunakan rasio permodalan, kualitas aktiva produktif, manajemen, efisiensi, likuiditas, kemandirian dan pertumbuhan, jati diri koperasi dan Kepatuhan Prinsip Syariah. Manfaat yang diharapkan dari penelitian ini adalah berupa kontribusi empiris yang sangat penting bagi sebuah koperasi yang merupakan analisis dasar dalam merancang srategi, membuat perencanaan jangka pendek, menengah dan jangka panjang. Kontribusi teori, sebagai referensi bagi peneliti selanjutnya yang tertarik untuk melakukan penelitian lebih lanjut. Sehingga diharapkan koperasi kedepan dapat lebih maju. Hasil penilaian kesehatan yang dilakukan dengan menggunakan instrumen Peraturan Deputi Bidang Pengawasan Kementerian Koperasi dan Usaha Kecil dan Menengah Republik Indonesia Nomor. 07/PER/Dep.6/IV/2016, maka diperoleh hasil tingkat kesehatan KSPPS BMT Bungus Barat “Cukup Sehat” dengan skor 68,35, KSPPS BMT Bungus Selatan “Dalam Pengawasan” dengan skor 54,35, KSPPS BMT Bungus Timur “Dalam Pengawasan” dengan skor 60,35, KSPPS BMT Teluk Kabung Selatan “Dalam Pengawasan” dengan skor 59,10, KSPPS BMT Teluk Kabung Tengah “Dalam Pengawasan” dengan skor 53,10 dan KSPPS BMT Teluk Kabung Utara “Dalam Pengawasan” dengan skor 56,60.

Analisis Kinerja Keuangan untuk Menilai Tingkat Kesehatan pada Koperasi Simpan Pinjam dan Pembiayaan BMT Projo Artha Sejahtera (PAS) di Bantul

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Mujino Mujino ◽  
Ratih Kusumawardhani ◽  
Diah Cahyani
Keyword(s):  
Small And Medium Enterprises ◽  
Financial Statements ◽  
Collection Method ◽  
Descriptive Research ◽  
Health Level ◽  
Savings And Loan ◽  
The Subject ◽  
Management Aspect ◽  
Quantitative Descriptive ◽  
Medium Enterprises

This study aims to investigate the health level of the savings and loan cooperatives and financing of BMT PAS in terms of: 1) Capital aspect; 2) Management aspect; 3) Liquidity aspect; 4) Aspect of compliance with syariah. This research is a type of quantitative descriptive research. The subject of this research is the savings and loan cooperatives and financing of BMT PAS in Bantul. The object of this research is the financial statements of 2015 to 2019. The data collection method were used documentation and questionnaire. The calculation use PAP technique was based on Deputy Regulation for the Supervision of the Ministry of Cooperatives and Small and medium Enterprises of Republic Indonesia Number 07/Per/Dep.6/IV/2016. The result of this research shows that health level of the savings and loan cooperatives and financing of BMT PAS 2015 to 2019 seen from; 1) Capital aspects of BMT PAS Bantul in 2015 to 2019 criteria are quite healthy; 2) Aspects management of BMT PAS Bantul in 2015 to 2019 criteria are quite healthy; 3) Aspects of liquidity of BMT PAS Bantul in 2015 to 2019 are healthy criteria; 4) Aspects of compliance with syariah principles BMT PAS Bantul from 2015 to 2019 healthy criteria. Keywords : Financial performance, health level, savings and loan cooperatives and syariah financing.

scholarly journals Monitoring dan Penilaian Tingkat Kesehatan Koperasi pada Dinas Koperasi dan UMKM Provinsi Bali dengan Dukungan GIS

Jurnal INFORM ◽  
2017 ◽  
Vol 2 (2) ◽  
Author(s):  
Ketut Queena Fedlina ◽  
Rita Dwi Susiowati ◽  
Bagus Putu Wahyu Nirmala
Keyword(s):  
Small And Medium Enterprises ◽  
Health Assessment ◽  
System Support ◽  
Savings And Loans ◽  
The Republic ◽  
The Government ◽  
Conventional Manner ◽  
Medium Enterprises ◽  
Computerized System

The growth of cooperatives in Indonesia today is very fast, especially the growth of cooperatives in Bali. Based on data from the Department of Cooperatives, Micro, Small and Medium Bali Province the number of cooperatives in bali per June 30, 2016 as many as 4934, this is certainly a positive picture for the growth of cooperatives. The development of micro-credit activities undertaken cooperative is also growing very rapidly, but this is not matched by the quality of the performance of the cooperative itself. These conditions encourage the government oversight of credit unions and savings and loans by issuing a decision on guidelines for the rating of the cooperative based on Regulation Supervision Deputy Ministry of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number 01 / Per / Dep.6 / IV / 2016. The process of calculating the cooperative health assessment has now been made but there is still a conventional manner using Microsoft Excel so that experienced problems in the calculation and delivery of information on the results. Supervision of the cooperative in question is difficult because the delay of information and the lack of technology used. Computerized system and geographic information system support can be used to assist in the process of assessment of the level of health and also facilitate cooperative Cooperative Agency in monitoring the cooperative in question.

Adopting Islamic microfinance as a mechanism of financing small and medium enterprises in Uganda

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Ssemambo Hussein Kakembo ◽  
Muhamad Abduh ◽  
Pg Md Hasnol Alwee Pg Hj Md Salleh
Keyword(s):  
Financial Services ◽  
Small And Medium Enterprises ◽  
Skills Training ◽  
Microfinance Institutions ◽  
Alternative Scheme ◽  
Content Type ◽  
The Poor ◽  
Islamic Microfinance ◽  
Financial Challenges ◽  
Medium Enterprises

PurposeDespite the fact that small and medium enterprises (SMEs) play a crucial role in strengthening the financial sector within developing and emerging economies through providing employment opportunities to the rural and urban population, capacity building in the form of skills training and economic empowerment, they still face a plethora of challenges that continue to threaten their existence, performance and growth. Access to operational and administrative funds needed to execute their activities effectively is a significant challenge and detrimental to the growth of SMEs in Uganda. Conversely, Islamic microfinance has been noted as a panacea to the challenges of financial inaccessibility among SMEs, especially in developing countries. The purpose of this paper is therefore to investigate how the adoption of Islamic microfinance can play a fundamental role in enhancing the sustainability of microfinance institutions (MFIs) while meeting the financing challenges of SMEs in Uganda.Design/methodology/approachIn this study, a review of existing literature was carried out to critically examine relevant information (literature sources) and empirical studies on SMEs, their performance and challenges. The study being conceptual tries to understand how Islamic microfinance could be adopted as an alternative scheme of financing to bridge the gap and mitigate the financial challenges facing SMEs.FindingsThe study finds that the existing MFIs have failed to achieve their objectives of providing financial services to the poor and SMEs while remaining sustainable. This has left the majority of SMEs within Uganda's informal sector financially handicapped, thus leading to their failure in meeting their expectations and eventually collapsing even before celebrating their third or fourth birthdays. However, the enactment into law of the Financial Institutions Amendment Act 2016 that paved the way for the introduction of Islamic finance in Uganda, and the Tier 4 Microfinance Institutions and Money Lenders' Act, 2016 that incorporated the aspects of Islamic microfinance within the existing microfinance framework as seen and is perceived as a key factor in addressing the financial challenges faced by MFIs and the SMEs if fully adopted.Research limitations/implicationsThis study is conceptual with no empirical investigation and discussion of key theories. On the contrary, it will be imperative and useful when carrying out more extensive hypothetical studies by future researchers, specifically in the area of Islamic microfinance that is relatively new in Uganda.Practical implicationsPractically, this paper will serve as a guide to policymakers and practitioners in the field of microfinance by adding a flair that could enable in bridging the challenges associated with inadequate financing of SMEs in Uganda.Social implicationsSocially, the social aspects of charity (Zakah and Sadaqah) will help to improve the livelihood of the poorest of the poor who cannot engage in active business through meeting their basic needs of life without begging thereby preventing them from being social outcasts.Originality/valueThe study establishes Islamic microfinance (IMF) as a promising and unexplored viable option potentially needed in intensifying the financing needs of SMEs in Uganda. The paper provides an entirely new dimension in nature and way microfinance products should be structured with a view of ensuring that there is sustainable provision of financial services to SMEs. The paper adds real value to the existing conventional microfinance products and services in Uganda, given the ethical and moral attributes of Islamic microfinancing practices that are assumed to efficiently and effectively motivate SME owners and other small entrepreneurs to thrive.

scholarly journals The bank approach to a credit obligor – a farm business – in the context of credit risk and capital adequacy

2012 ◽  
Vol 48 (No. 9) ◽  
pp. 395-398
Author(s):  
H. Sůvová
Keyword(s):  
Credit Risk ◽  
Small And Medium Enterprises ◽  
Capital Adequacy ◽  
Financial Risks ◽  
Agricultural Enterprises ◽  
Bank Management ◽  
New Basel Capital Accord ◽  
Bank For International Settlements ◽  
Medium Enterprises ◽  
Farm Business

The objective of this paper is to enable a bank’s view towards a credit obligor. Banks are subject to a lot of financial risks. Credit risk is the most important one. Banks also have to manage the objective of maximum profit on one hand, the prudential rules on the other hand. Recently, the Bank for International Settlements submitted a new concept of prudential rules (The New Basel Capital Accord) that should be accepted by national regulators and applied from 2006/7. This concept brings relatively strict conditions which should improve bank management of credit risk but which are unpleasant for loaning of small and medium enterprises including agricultural ones that are mostly part of this category. Very important role will be still played by non-market supporting instruments, especially guarantees provided by sovereigns. They can improve the competitiveness of agricultural enterprises in the credit market.

scholarly journals Covid-19 financial distancing for MSMEs in Kenya

2021 ◽  
Vol 10 (3) ◽  
pp. 357-362
Author(s):  
Nathan Mwenda Mutwiri
Keyword(s):  
Financial Management ◽  
Small And Medium Enterprises ◽  
Management Skills ◽  
Institutional Reforms ◽  
Microsoft Excel ◽  
Decision Usefulness ◽  
Descriptive Research ◽  
The Government ◽  
Medium Enterprises ◽  
Analyze Data

The Micro Small and Medium Enterprises (MSMEs) are important for every nation’s economic development. They provide employment and spur the growth of multiple sectors in the economy.  The Covid-19 pandemic has negatively affected MSMEs' performance. The study seeks to demonstrate why COVID 19 may lead to the terminal quarantining of MSMEs. The study is anchored on decision usefulness and information asymmetry theories. The study adopted a descriptive research methodology and sampled MSMEs within Nairobi City County. The study used SPSS to analyze data in addition to Microsoft excel. The study found that over 70% of MSMEs had their sales decline by over 65% while 95% of them had their sales decline by over 30%. The study found that about 68% of MSMEs lacked financial management skills. The study recommends that with legal and institutional reforms, the government needs to develop a financing framework for MSMEs.  

scholarly journals Web-Based Micro Small and Medium Enterprises Product Brand Development

2021 ◽  
Vol 1 (1) ◽  
pp. 11-16
Author(s):  
Trustorini Handayani ◽  
I Widianingsih ◽  
S Julianti ◽  
D N Pebriani
Keyword(s):  
Information System ◽  
Industrial Revolution ◽  
Small And Medium Enterprises ◽  
Global Market ◽  
Human Engineering ◽  
Web Based ◽  
Descriptive Research ◽  
Brand Development ◽  
Qualitative Descriptive ◽  
Medium Enterprises

This research aims to determine the development of Industrial Revolution 4.0 technology in the Micro, Small, and Medium Enterprises (MSMEs) sector, to improve the standard of quality business product brands by creating a web-based information system. To support this research, we used qualitative descriptive research methods to describe existing phenomena, both natural and human engineering, that pay more attention to the characteristics, quality, and interrelationships between activities. The results show that product brand development for web-based small and medium enterprises is compelling so that it will be able to compete with other business product brands globally. This is due to a web-based information system created to introduce various products, the owners of MSMEs products. The information system was designed to input the MSME owners' data, starting from product brands, catalogs, and services. Therefore, the information system can help marketing and improve the owners' ability in the product brand development that can be used to compete in the global market. That way, the society can access various information about superior products from the MSME owners who have a product quality is no less good than other excellent products.

scholarly journals Financial literacy training and micro insurance on the financial performance of SMEs in the Sekondi-Takoradi Metropolis, Ghana

2020 ◽  
Vol 9 (7) ◽  
pp. 247-256
Author(s):  
Ciciana Amoah ◽  
John N. Mungai
Keyword(s):  
Financial Performance ◽  
Financial Literacy ◽  
Small And Medium Enterprises ◽  
Microfinance Institutions ◽  
Government Regulations ◽  
Literacy Training ◽  
Micro Insurance ◽  
Medium Enterprises ◽  
The Relationship ◽  
Structured Questionnaire

This research examines the effect of financial literacy training and micro insurance on the financial performance of Small and Medium Enterprises in the Sekondi-Takoradi Metropolis of Ghana. This study aims (i)to determine the effect of financial literacy training on the financial performance of SMEs, (ii) to establish the effect of microinsurance on the financial performance of SMEs; (iii) and to determine the moderating effect of government regulations on the relationship between financial literacy training, micro-insurance and the financial performance of SMEs. The study was based on the financial intermediation theory and Schumpeter’s theory of innovation. The study adopted an explanatory research design, using a sample size of 260 SMEs in the Sekondi-Takoradi metropolis, Ghana. A structured questionnaire was used to collect data on financial literacy training, micro insurance, financial performance, and government regulations from SME owners and microfinance institutions. Analysis of the data collected revealed that both financial literacy training and micro-insurance had a positive and significant effect on the financial performance of SMEs. The study recommends that the management of microfinance institutions that provide financial literacy training and micro-insurance should undertake a survey on the needs of SMEs and the specific challenges they face in accessing microfinance services.

scholarly journals ANALISIS PERBANDINGAN PENILAIAN KINERJA PERBANKAN MENURUT SE Bl 1997 DAN SE BI 1998

2017 ◽  
Vol 8 (4) ◽  
pp. 485
Author(s):  
Lydia Setyawardani
Keyword(s):  
Quality Management ◽  
Financial Statements ◽  
Capital Adequacy ◽  
Financial Ratios ◽  
Bank Performance ◽  
Research Issue ◽  
The Government ◽  
Asset Quality

We can evaluate the bank health from financial  ratios in its financial  statements.  The fi nancial ratios are known as ('AMEL (capital adequacy, asset quality, management, earning, liquidity). The government changes the regulation of evaluation of bank health. The new regulation we use now is SE HI No. 30 23: UPPB, 19 March 1998 and the old one is SE Bl No. 30   2   UPPB. 30 April 1997.The research issue is whether /here any significant changes in bank performance if we use the new reKulation than the old one. The chanRes consist of three financial ratios there are two ratios <?f'asset quality and one liquidity ratio. The measurement calculates the credit values from .financial ratios according to the old regulation and the new one and then comparing the results.The results show that there are any signlficant changes in bank performance using the new regulation. The results also show that using the new regulation to measure the bank health makes more difficultj(Jr the bank to get the predicate as a good bank.

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