Analisis Faktor-Faktor Keuangan Internal sebagai Determinan Jangkauan Pelayanan Koperasi Simpan Pinjam di Indonesia

PUTRA, Yosafat Novrianto Ecsa (2025) Analisis Faktor-Faktor Keuangan Internal sebagai Determinan Jangkauan Pelayanan Koperasi Simpan Pinjam di Indonesia. Undergraduate thesis, Universitas Katolik Widya Mandira Kupang.

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Abstract

This research was written by Yosafat Novrianto Ecsa Putra (31121057). Development Economics Study Program under the first supervisor, Mr. Dr. Marius Masri, SE., M.Si and the second supervisor, Mrs. Emiliana Martuti Lawalu, SE., ME with the research title "Analysis of Internal Financial Factors as Determinants of the Service Reach of Savings and Loan Cooperatives in Indonesia" This study aims to analyze internal financial factors (Assets, Outstanding Loans, and Stock Deposits) as determinants of the service reach of savings and loan cooperatives in Indonesia. The approach used in this study is a quantitative approach. This study is based on cross-section data of 100 savings and loan cooperatives in Indonesia sourced from the Main Credit Cooperative (Inkopdit) data and time series data for the period 2018 and 2021. The results of the study indicate that the variables of assets, outstanding loans, and stock deposits simultaneously have a significant effect on service reach. The following findings show that assets have a positive and significant effect on service coverage, outstanding loans have a significant and negative effect on service coverage, and stock deposits do not have a significant effect on service coverage. The recommended suggestions are the need to develop a digital platform to increase efficiency and member participation, a strategy for managing outstanding loans with a prudent principle, a review of risk analysis methods in providing credit, and a strategy for increasing member savings and diversifying funding sources, so that cooperatives can increase their service reach and provide greater benefits to members and the community.

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