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Journal articles on the topic 'Cooperative credit union'
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1
Chepkwei, Ambrose Kipruto. "SUSTAINABLE STRATEGIC GROWTH, SAVINGS AND CREDIT COOPERATIVE SOCIETY AND CREDIT UNION INDUSTRY: A GLOBAL OVERVIEW." Journal of Strategic Management 3, no. 1 (August 10, 2018): 37. http://dx.doi.org/10.47672/jsm.345.
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Purpose: To ascertain the sustainable strategic growth Savings and Credit Cooperative Societies and Credit Unions Industry globallyMethodology: This is a secondary research based on review of existing available literature (from books, conference reports, websites and journals) in the area of Savings and Credit Cooperatives Societies and Credit Unions in various countries globally.Findings: The study found that number of Savings and Credit Cooperative Societies/Credit Unions in Africa increased by 83.3%, while that of Asia increased by 78.0% between the periods 2007 and 2016 and the average industry growth for Africa and Asia was 33.2% and 42.3% respective. The number of Credit Union growth in Caribbean (-5.6%), Europe (-23.9%), Latin America (-4.5%), North America (-32.6%) and Oceania (-32.8%) registered number of Savings and Credit Cooperative Society/Credit Union growth decline between the periods 2007 and 2016. The global aggregate growth in the number of Savings and Credit Cooperative Society/Credit Unions between 2007 and 2016 was 46.0%.Unique contribution to theory, practice and policy: Considerations for global Savings and Credit Cooperative and Credit Union growth are evaluated on the multiple dimensions of market, region diversity, technological innovation rate, and Savings and Credit Cooperative Society/Credit Union market trends. Growth is the most frequently used corporate strategy. It means increases sales, assets, net profits and a chance to take advantage of the experience curve.
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Medvid, Oksana. "THE DEVELOPMENT OF CREDIT COOPERATION IN DROHOBYCH REGION (1920s ‒ 1930s)." Problems of humanities. History, no. 5/47 (March 27, 2021): 282–93. http://dx.doi.org/10.24919/2312-2595.5/47.217788.
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Summary. The purpose of the study is to reveal the activities of credit unions in Drohobych region in the interwar period, to show their role in the economic protection of the Ukrainian population of Galicia in interwar Poland. The research methodology is based on the principles of historicism, systematicity, scientificity, authorial objectivity, as well as the use of general scientific and special-historical methods. The scientific novelty lies in the study of the development of credit cooperation in Drohobych in the 1920‒1930’s. Conclusions. An important place in the cooperative movement of Eastern Galicia in the interwar period belonged to credit cooperatives. In 1938, there were 25 credit cooperatives of Raiffeisen type (rural associations) and Ukrainian banks (Schulze-Delich city cooperatives) in Drohobych region, which were united around Central Bank (Central Cooperative Bank of "Krai Credit Union"). The capital of these institutions consisted of shares of members and contributions of the population. Credit cooperation protected Ukrainians, increased their solvency and economic independence, national consciousness. The main financial institution of the Ukrainian credit cooperative was Central Bank. With well-developed cooperation, Ukrainians could work effectively even under unfavourable conditions and hostility from the Polish occupation regime. The cooperation protected not only the material but also the spiritual needs of Ukrainian citizens, it was a natural manifestation of social and economic self-organization of the people, a source of its cultural self-development. The financial and credit system contributed to the development of cooperation through the organization of affordable credit for the population, the facilitation of mutual relations between national organizations and the strengthening of the legal status of cooperation.
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Manurung, Samuel, and Mufria J. Purba. "Use Of Customer Relationship Management Application For Credit Union." IJEBD (International Journal Of Entrepreneurship And Business Development) 3, no. 1 (September 30, 2019): 25–31. http://dx.doi.org/10.29138/ijebd.v3i1.914.
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Cooperatives are legal entities based on the principle of kinship, which consist of all members of natural or legal persons for the welfare of their members. Where most people want to open a business, it has to have a lot of capital to keep the business from running or growing. Kabanjahe The majority of the population opens a shop to meet their daily needs. The existence of a savings and loan unit can help people in the Kabanjahe region to open a business to improve the economy of people in Kabanjahe. Therefore, we need a system that is very helpful in the cooperative's transaction process. The Customer Relationship Management (CRM) application can support the notification process and simplify the cooperative payment process. This research can help cooperatives and cooperative members to conduct transactions and help members with notification of the funds spent and the date of the last payment of the paper.
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Kropivko, M., and D. Mykytyuk. "Functioning of credit cooperation: foreign experience and challenges for Ukraine." Ekonomìka ta upravlìnnâ APK, no. 2(151) (December 16, 2019): 89–95. http://dx.doi.org/10.33245/2310-9262-2019-151-2-89-95.
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It is established that the existing banking system is aimed primarily at lending to highly concentrated agricultural enterprises and is not adapted to the needs of small rural businesses. Therefore, the creation of an effective mechanism for lending to small and medium-sized agricultural entities through a credit cooperative system is of particular relevance. Rural credit co-operation is a parallel to banks, an alternative financial system that has begun to firmly occupy a niche in the country's credit and financial system. Its line of business is financial services for small and medium-sized entrepreneurs and villagers who cannot be serviced by banks in rural areas. It is proved that the effective activity of credit cooperation is conditioned by the creation of appropriate prerequisites. This is, first of all, voluntary establishment of credit cooperative institutions and accumulation of funds of individuals and legal entities; the purpose of the credit cooperative to ensure the mode of greatest assistance to its participants in credit, settlement, consulting, and other types of services; recognition of the variety of organizational forms of credit cooperative institutions; the direction of use of accumulated financial resources mainly for production purposes; providing financial support to the credit cooperative and legal and consulting assistance from the state. It is determined that the economic essence of credit cooperation is largely determined not by the type and nature of the participants' activity, but by the specifics of the actions and functions that they cooperate with. The involvement of unions of temporarily free funds of all categories of the population will allow to use its income in the areas of residence, in particular to direct them to the development of the agricultural sector. The creation of credit unions should be seen as encouraging the development of small businesses, including: promoting the development of production and processing of agricultural products in personal peasant and small farms, as well as the development of other small forms of farming in the agricultural sector and processing industry (including the promotion of the creation of agricultural service providers cooperatives); expanding the availability of credit resources for private farms and farms, as well as for cooperative units for the production, processing and marketing of agricultural products and services. Keywords: credit cooperation, credit union, population, personal peasant economy, farming, state.
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Cuong, Hoang Van, Hiep Ngoc Luu, Loan Quynh Thi Nguyen, and Vu Tuan Chu. "Income structure, diversification strategy and owners’ benefit in cooperative financial institutions." International Journal of Managerial Finance 16, no. 4 (April 29, 2020): 481–500. http://dx.doi.org/10.1108/ijmf-11-2018-0346.
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PurposeThe purposes of this paper are twofold. First, it analyses the income structure in cooperative financial institutions and examines how traditional and non-traditional incomes are related. Second, it evaluates whether increasing diversification towards non-traditional incomes facilitates or hampers the benefits of financial cooperative owners.Design/methodology/approachData are collected from over 3,100 US credit unions over the period of 1994–2016. A number of modern econometric techniques are employed throughout the analysis, including the use of panel fixed effect, generalised method of moments (GMM) and two-stage least square (2SLS) methodologies.FindingsUsing US credit unions as the empirical setting, the empirical results reveal that the expansion of traditional income leads to a corresponding increase in income from non-traditional activities. However, an increasing reliance on non-traditional income causes a significant drop in interest margins. The authors also find that the extent to which income diversification affects owner benefit varies across credit union types and period of time. While income diversification negatively affects owners' benefits in single common bond credit unions, it has no significant influence on multiple common bond and community credit union owners' benefits. Third, diversification can be beneficial during crisis time, but can be detrimental to owner benefit during normal time.Originality/valueThis paper provides some of the first empirical investigations on the diversification strategy of cooperative financial institutions. Therefore, the results offer significant policy implications for policymakers and market participants on whether financial cooperatives should diversify or specialise.
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Dai, Ratna Meisa, Suryanto Suryanto, and Selvi Novianti. "ANALISIS PROSEDUR PEMBERIAN KREDIT KOPERASI." Jurnal Ilmu Keuangan dan Perbankan (JIKA) 7, no. 1 (July 29, 2019): 59–70. http://dx.doi.org/10.34010/jika.v7i1.1907.
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This study aims to analyze crediting procedures. The research method used in this research is the descriptive method to describe crediting activities conducted by Cooperative Rahastra Credit Union in Bandung. This research uses the qualitative approach. The data obtained by using the research instrument is through observation, in-depth interview and documentation study. The results of the study indicate that crediting procedures include credit administration, credit documentation, credit approval, and credit processing. Implementation of credit procedures undertaken by the Cooperative Rahastra Credit Union in Bandung has not been maximized because there is still one indicator of lending procedures that have not been met. Indicators that have not been met is the stage of credit documentation, that is when doing credit analysis not all prospective borrowers through the credit analysis phase. Cooperative Rahastra Credit Union still uses the element of subjectivity in assessing prospective borrowers. As a result of not applying this credit analysis resulted in the addition of bad credit.
Keywords: procedure, lending, credit analysis, cooperative
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Carvalho, Flávio Leonel de, Maria Dolores Montoya Diaz, Sigismundo Bialoskorski Neto, and Aquiles Elie Guimarães Kalatzis. "Exit and Failure of Credit Unions in Brazil: A Risk Analysis." Revista Contabilidade & Finanças 26, no. 67 (April 2015): 70–84. http://dx.doi.org/10.1590/1808-057x201411390.
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This study aims to investigate the factors that affect the market exit of Brazilian singular credit unions from 1995 to 2009; it also identifies and lists the determinants of various types of market exits and analyzes whether profitability is a significant factor for credit union survival. This study was conducted with accounting data provided by the Central Bank of Brazil, which derives only from individual cooperatives, i.e. singular credit unions. Quarterly financial statements from these credit unions that were active from 1995 to the second quarter of 2009 were employed, totaling 71,325 observations for 1,929 credit unions. Based on survival and the model of competing risks (such as the Cox, Exponential, Weibull, Gompertz, and Competing Risk models), the results show that there is no statistical evidence to ensure a correlation between profitability and credit union survival. The results also suggest that the size of credit unions plays a key role in their survival and longevity and that their funding and investment management are related to their survival and risk of market exit. In conclusion, the results confirm the initial idea that the duality inherent to credit unions - cooperative principles versus economic efficiency - might influence the stability, survival, and longevity of these institutions. Such results may also imply that a credit union embracing the rationale of a private bank will become more estranged from its members, something which will hinder its future operations and increase the likelihood of its exit from the market.
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Ryder, Nicholas. "The credit crunch – the right time for credit unions to strike?" Legal Studies 29, no. 1 (March 2009): 75–98. http://dx.doi.org/10.1111/j.1748-121x.2008.00113.x.
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The origins of the cooperative movement can be traced to the Rochdale Society of Equitable Pioneers in 1844, from which similar institutions emerged in Central Europe, the North American continent and the rest of the world. Modern credit unions evolved from these small cooperative societies and have developed into mainstream providers of financial services in many jurisdictions. However, credit unions in the UK have not made a similar impact. There are several factors that have limited their growth – an inadequate legislative framework, an ineffective credit union regulatory system, inappropriate development models, an over-reliance on state subsidies and a disunited movement. The aim of this paper is to re-examine these factors in light of the level of political support provided by the government since 1997.
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Esomar, Maria J. F., and Baretha Meisar Titioka. "Pearls analysis to assess the health level of Hati Amboina service office (KP) Saumlaki Cooperative Credit Union (CU)." Accounting Journal of Binaniaga 6, no. 1 (June 30, 2021): 19. http://dx.doi.org/10.33062/ajb.v6i1.415.
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Performance measurement of Credit Union is important to do in order to improve and at the same time becomes a way of evaluating achievement in specific periods. It will show level of success of operational activities conducted and create foundation of developing strategy in the coming days. To get a clear view of a financial report, there has to be a financial performance measurement of Credit Union of Hati Amboina KP Saumlaki through financial rasio analysis named PEARLS which is identified as P (Protection), E (Effective Financial Structure), A (Asset Quality), R (Rate of Return & Cost), L (Liquidity), S (Signs of Growth). This research aims to know how healthy the finance of Credit Union of Hati Amboina KP Saumlaki from year of 2017 to 2019 using PEARLS Rasios. The research shows that Credit Union of Hati Amboina KP Saumlaki is good enough in financial health which described in many variables suit PEARLS Rasios. Overall PEARLS Rasios explains that financial condition of Credit Union Hati Amboina KP Saumlaki is healthy enough. To some rasios that fulfill no standard ideally, the Credit Union needs to find proper strategy to raise its financial performance. Keywords: Credit Unions, PEARLS,performing operations
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Burhanudin and Iyan Tri Suryanto. "Pengaruh Kompensasi Terhadap Kinerja Karyawan Koperasi." Coopetition : Jurnal Ilmiah Manajemen 12, no. 2 (June 23, 2021): 289–300. http://dx.doi.org/10.32670/coopetition.v12i2.225.
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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.
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MARTONO, MARTONO. "MANFAAT PENDIDIKAN DASAR BAGI ANGGOTA KOPERASI SIMPAN PINJAM CREDIT UNION PANCUR KASIH TEMPAT PELAYANAN BENGKAYANG." Jurnal Ekonomi Integra 10, no. 2 (June 8, 2020): 098. http://dx.doi.org/10.51195/iga.v10i2.140.
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There are five pillars of credit cooperatives, namely Education, Self-help, Solidarity, Innovation and Unity. Basically Credit Union was born from the stage of education, developed through education and dependent on education. For this reason, every prospective member (community) who will join the Credit Union is required to attend education, because the educational aspect within the scope of the development of savings and loan cooperatives is very important. Plus the main goal of basic education is to recognize and deepen the ins and outs of Credit Union, the unification of vision and mission as a n Credit Union Workshop Services. The method in this research is descriptive analysimember of Credit Union, changes in physical, mental, emotional, and spiritual aspects of life principles and paradigms, understanding history, financial intelligence, management regulations on AD / ART, and as a condition to become a member. Basic education for Credit Union members is an obligation for cooperatives as mentioned in the cooperative principle in Act Number 25 of 1992 Article 5 paragraph 2a. This study aims to determine the benefits of basic education for members of the Pancur Kasih Credit Unios method. This is ex post facto research. The population in this study was 8,000 members. The number of samples in this study were 80 members. Data collection techniques in this study are direct communication techniques (interview guidelines), indirect communication techniques (questionnaires), and documentary techniques (members' bad credit data). The results of this study indicate that there is a positive influence on the basic training of members of the responsibilities and obligations of members in the KSP CU Kasih Bengkayang TP. This can be seen from the t value of 5.632 which shows that there is an effect of the basic training of members on the responsibilities and the results of members' obligations. When compared with t table at the 0.05 significance level of 1.992, so Ha is accepted. The conclusion of this study is the basic training of members has a significant effect on the responsibilities and obligations of members in the KSP CU Kasih Bengkayang TPU
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Charnvitayapong, Kovit. "Thrift and Credit Cooperative Lending Channels under Prolonged Low-Interest Rates: The Case of Thailand." 11th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 11, no. 1 (December 9, 2020): 1. http://dx.doi.org/10.35609/gcbssproceeding.2020.11(1).
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Since the global financial crisis of 2007–08, the United States, Japan, and the European Union (EU) have heavily stimulated their economies with expansionary monetary policy. World finance has been affected by this policy conduct. Interest rates in most open economies were pushed to very low levels and have remained low ever since. Nevertheless, monetary stimulation has not improved the economic situation to a satisfactory level as of the end of 2019. Several studies such as Claudio Borio and Boris Hofmann (2017) and Nasha Ananchotikul and Dulani Seneviratne (2015) attempted to examine the inefficiency of expansionary monetary policy by looking at bank lending channels. Koot and Walker (1980) studied monetary policy effectiveness through credit union lending channels. They found that at first, credit unions responded well to expansionary monetary policy, but after prolonged easy money policy, the response died down. Keywords: Fixed effects, Lending channel, Prolonged low interest rates, Thrift and credit cooperatives (TCCs), Transmission mechanism.
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Wysocka, Ewa. "Ewolucja regulacji prawnych w bankowości spółdzielczej w Polsce." Studia Iuridica 72 (April 17, 2018): 431–56. http://dx.doi.org/10.5604/01.3001.0011.7646.
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Cooperative banking in Poland has more than 150 years of tradition, going back to the period of Partitions. The first Polish credit associations and cooperatives were established in Greater Poland in the years 1861–1862, in the fashion of credit cooperatives for farmers established by Friedrich Raiffeisen and the so-called cooperative “people’s banks” associating craftsmen, that were founded by Franz Schultze. In 1899, on the territory of the Austrian Partition, small credit institutions, the so-called “Stefczyk Savings Unions” (“Kasy Stefczyka”), were created, associating mainly farmers, In the period of the Second Polish Republic (1918–1939), Polish Agricultural Bank (Polski Bank Rolny) was established in Warsaw (1919). The bank’s task was to provide financial backing for agriculture, and in 1921 it was transformed into State Agricultural Bank (Państwowy Bank Rolny), only to become Agricultural Bank (Bank Rolny) in 1948. It was replaced by Food Economy Bank (Bank Gospodarki Żywnościowej), called into being in 1975 as a financial head office for cooperative banks which originated from saving and loan cooperatives. In the period of the Polish People’s Republic (1952–1989), state-cooperative banking was in place. The system and economy transformations that took place after 1989 caused crisis and the necessity of state intervention in the Polish cooperative banking. In the years 1990–1994 efforts were made to fix the cooperative banking system through implementation of the Act of June 24, 1994 on restructuring of cooperative banks and Food Economy Bank and on amendments to certain acts. Food Economy Bank was transformed into a joint-stock company as a bank of the National Association of cooperative banks. Besides, nine regional associations were established in the form of a joint-stock company of cooperative banks, which became shareholders of the national bank. The system and functioning of cooperative banks are currently governed by: Banking Law Act of August 29, 1997, Cooperative Law Act of September 16, 1982 and the Act of December 7, 2000 on functioning of cooperative banks, associating thereof and associating banks. The structure of cooperative banking was based on the division into cooperative banks and associating banks. Two associations of cooperative banks are currently operating in Poland: Bank of the Polish Cooperative Movement (Bank Polskiej Spółdzielczości S.A.) with its seat in Warsaw and Cooperative Banking Group – Bank (Spółdzielcza Grupa Bankowa – Bank S.A.) with its seat in Poznań. All the cooperative banks are covered by the Bank Guarantee Fund and under supervision of the Financial Supervision Authority. In 2015 the Act of December 7, 2000 on functioning of cooperative banks, associating thereof and associating banks was amended due to the changes implemented in the European Union Law (the so-called CRD IV/CRR package). Financial security of cooperative banks was increased through establishment of the Institutional Protection Scheme (IPS). Cooperative banks are an important element for development of the entire Polish banking system. Therefore, the financial supervision over the entire system of banking and Cooperative Savings and Credit Unions (SKOK) should be conducted in appropriate manner.
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Anggriana, Anggita. "Tinjauan Hukum Islam Terhadap Pengelolaan Koperasi Kredit (Credit Union) Bina Usaha (BIMA) Kabupaten Sintang." PETITUM 8, no. 2 (October 24, 2020): 157–69. http://dx.doi.org/10.36090/jh.v9i2.771.
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The purpose of this study was conducted to answer the BIMA Sintang Credit Union management model that conforms or not with the values of Islamic law. The research method used is empirical normative to identify the BIMA Sintang Credit Union management model directly in the field connected with the conception related to cooperative management in Islamic law, then analyzed qualitatively and is descriptive. The results of the study revealed that the institutional credibility supported by the principle of equilibrium and fairness carried out by the Sintang BIMA Credit Union greatly influenced the preferences of Muslim communities in strengthening and managing the economy of the Sintang District community. This has proven to bring enormous benefits to agrarian-style people. Although there is an element of usury, the emergency conditions for the absence of Syariah-based credit unions are the basis of permissibility law for Muslim communities in Sintang District. The advice that needs to be given is that an Islamic credit union institution must be built immediately to support the economic aspects of an agrarian-style society.
Tujuan penelitian ini dilakukan untuk menjawab model pengelolaan Credit Union BIMA Sintang yang sudah sesuai atau tidak dengan nilai-nilai hukum Islam. Metode penelitian yang digunakan adalah normatif empiris guna mengidentifikasi model pengelolaan Credit Union BIMA Sintang secara langsung di lapangan dihubungkan dengan konsepsi terkait pengelolaan koperasi di dalam hukum Islam, kemudian dianalisis secara kualitatif dan bersifat deskriptif. Hasil penelitian mengungkapkan bahwa kredibilitas kelembagaan yang ditunjang dengan prinsip kesetimbangan dan keadilan yang dilaksanakan oleh Credit Union BIMA Sintang sangat mempengaruhi preferensi masyarakat muslim dalam penguatan dan pengelolaan perekonomian masyarakat Kabupaten Sintang. Hal tersebut terbukti mendatangkan maslahat yang sangat besar kepada masyarakat yang bercorak agraris. Meskipun terdapat unsur riba namun kondisi darurat atas belum adanya credit union berbasis syariah menjadi dasar hukum kebolehan bagi masyarakat muslim di Kabupaten Sintang. Saran yang perlu diberikan adalah perlu segera dibangun lembaga credit union syariah dalam menunjang aspek perekonomian masyarakat yang bercorak agraris.
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Se, Hyronimus. "Pengaruh Karakteristik Organisasi Dan Budaya Organisasi Terhadap Komitmen Manajerial, Kepercayaan Anggota dan Partisipasi Anggota Serta Dampaknya Pada Kinerja Koperasi Pada Koperasi Kredit (Credit Union) di Flores." ANALISIS 10, no. 2 (September 1, 2020): 43–58. http://dx.doi.org/10.37478/als.v10i2.695.
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This study aims to analyze the influence of organizational characteristics and organizational culture on managerial commitment, member trust, and member participation, the impact on the performance of cooperatives in credit unions in Flores, East Nusa Tenggara Province, Indonesia. The population in this study included administrators, supervisors, and managers of all credit unions in Flores. The total sample of 237respondents was obtained by using the simple random sampling technique. Data analysis techniques usingStructural Equation Model (SEM) with concepts and applications using Analysis of Moment Strucues (AMOS) program version 21. The results of the study show that: (1) organizational characteristics significantly influence managerial commitment and member participation, (2) organizational culture has a significantly effect on managerial commitment, member trust, and member participation, (3) managerial commitment has a significantly effect on cooperative performance, (4) member trust has a significantly effect on cooperative performance, (5) member participation has a significantly effect on performance cooperative.
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de Paula, Daniel Abreu Vasconcellos, Rinaldo Artes, Fabio Ayres, and Andrea Maria Accioly Fonseca Minardi. "Estimating credit and profit scoring of a Brazilian credit union with logistic regression and machine-learning techniques." RAUSP Management Journal 54, no. 3 (July 8, 2019): 321–36. http://dx.doi.org/10.1108/rausp-03-2018-0003.
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Purpose Although credit unions are nonprofit organizations, their objectives depend on the efficient management of their resources and credit risk aligned with the principles of the cooperative doctrine. This paper aims to propose the combined use of credit scoring and profit scoring to increase the effectiveness of the loan-granting process in credit unions. Design/methodology/approach This sample is composed by the data of personal loans transactions of a Brazilian credit union. Findings The analysis reveals that the use of statistical methods improves significantly the predictability of default when compared to the use of subjective techniques and the superiority of the random forests model in estimating credit scoring and profit scoring when compared to logit and ordinary least squares method (OLS) regression. The study also illustrates how both analyses can be used jointly for more effective decision-making. Originality/value Replacing subjective analysis with objective credit analysis using deterministic models will benefit Brazilian credit unions. The credit decision will be based on the input variables and on clear criteria, turning the decision-making process impartial. The joint use of credit scoring and profit scoring allows granting credit for the clients with the highest potential to pay debt obligation and, at the same time, to certify that the transaction profitability meets the goals of the organization: to be sustainable and to provide loans and investment opportunities at attractive rates to members.
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Richard, Mark Paul. "“The Humble Parish Bank”: The Cultural Origins of the U.S. Credit Union Movement." New England Quarterly 88, no. 3 (September 2015): 449–82. http://dx.doi.org/10.1162/tneq_a_00474.
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In examining the pivotal role French-Canadian Alphonse Desjardins and Franco-American parishes played in developing credit unions in the northeastern United States in the early twentieth century, this essay illustrates how issues of ethnicity, religion, and nationalism intersected successfully to shape the development of cooperative credit institutions across the international border.
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Siregar, Victor Marudut Mulia, Erikson Damanik, Mega Romauly Tampubolon, Eve Ida Malau, Eka Pratiwi Septania Parapat, and Debora Silvia Hutagalung. "SISTEM INFORMASI ADMINISTRASI PINJAMAN (KREDIT) PADA CREDO UNION MODIFIKASI (CUM) BERBASIS WEB." Jurnal Teknik Informasi dan Komputer (Tekinkom) 3, no. 2 (January 4, 2021): 62. http://dx.doi.org/10.37600/tekinkom.v3i2.193.
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Modified Union credo is a cooperative-type business entity owned by a group of people in a unifying bond, which agrees to invest their money (shares) so as to create joint capital with decent business results and for productive and welfare purposes. The role of cooperatives is very important in Indonesia, because cooperatives can increase the economic growth of Indonesian society. The loan administration information system (credit) at CUM Caritas HKBP Pematangsiantar is not yet effective, because it still uses a manual system so that data is easily lost and difficult to find, and the preparation of reports takes a long time. The purpose of this study is to build a system that makes it easier for staff to process data for CUM Caritas HKBP members and improve staff performance to be more efficient and minimize errors in data processing, especially in the loan administration (credit) section of CUM Caritas HKBP. In this research, in the process of collecting data, the researcher used the method of observation, interviews and literature study and the method of system development to be used was the Prototype method. The information system to be designed will be in the form of a web and use the MySQL database. It is hoped that this research can solve the problem of Loan Administration (Credit) at CUM Caritas HKBP Pematangsiantar.
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Pane, Eddis Syahputra. "Save And Loan Credit Information System Based On Web." Journal of Applied Engineering and Technological Science (JAETS) 2, no. 1 (November 11, 2020): 14–20. http://dx.doi.org/10.37385/jaets.v2i1.166.
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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
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Nurul Hidayah, Amalia, and Misdiyono. "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)." Journal of Business Economics 24, no. 1 (2019): 23–35. http://dx.doi.org/10.35760/eb.2019.v24i1.1853.
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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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Lee, Yok Yong, Mohd Hisham Dato Haji Yahya, Muzafar Shah Habibullah, and Zariyawati Mohd Ashhari. "Non-performing loans in European Union: country governance dimensions." Journal of Financial Economic Policy 12, no. 2 (July 15, 2019): 209–26. http://dx.doi.org/10.1108/jfep-01-2019-0027.
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Purpose This paper aims to provide new empirical evidence on the non-performing loan (NPL) determinants of the EU conventional banks, in the context of macroeconomic factors, dimensions of country governance and bank-specific characteristics. Design/methodology/approach The panel data sets of 1,053 conventional banks were obtained over the period of 2007-2016. The Hodrick–Prescott filter was adopted to extract business cycle and credit cycle from real gross domestic product and credit to the private non-financial sector, correspondingly. System-generalised methods of moment was then used to identify the significant determinants of NPL. Findings The empirical results reveal that NPL is primarily driven positively by lagged-one NPL and risk profile. In consonance with the skimping hypothesis, NPL has a significant positive relationship with the cost efficiency. The empirical finding of the business cycle coincides with the Austrian business cycle theory. Particularly, NPL is relatively low during rapid economic growth of credit-sourced business boom. Whereas, business bust happens when credit creation runs its course and is associated with high NPL. This paper encapsulates that NPL is driven by not only macroeconomic factors and bank-specific characteristics but also the dimensions of country governance. Practical implications Policymakers should introduce policies that are geared towards proper dimensions of country governance. Originality/value The novelty of this research does not rely on the multidimensions of NPL determinants but on the disentanglement of the conventional banks with dual identity (i.e. Islamic banks, cooperative banks and ethical banks). It considers business cycle, credit cycle and previous NPL as the potential determinants.
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Istyowati, Lucia, and Tiolina Evi. "COOPERATIVE READINESS FOR E-LEARNING." Jurnal Sistem Informasi 11, no. 2 (October 29, 2015): 68. http://dx.doi.org/10.21609/jsi.v11i2.434.
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Cooperative is basically an economic organization of the people who have the economic capacity, which is in motion is not only concerned with economic motives. In addition to form a company that requires a profit, the cooperative also has a social motive. This is reflected in the principles espoused. Cooperative is an organization that is familial and managed democratically. In this study the chosen type of credit union, a group of people who agree to raise capital by providing loans to members of its own with a decent interest rate and approved. As one of the requirements in order to be able to make loans to members of cooperatives are the members must have attended training organized by the cooperative board. The spread of the location and the bustle complicate members required to attend training. Development of technology and beneficiaries among members provide alternative learning solutions for members. For that we need to know whether members are ready to accept the training system based on information technology. The readiness of members in this case at CU Melati Kopdit Jagakarta landfill checked by sampling techniques. From preliminary research/beginning it seems that members of the CU Melati landfill Jagakarsa ready to accept the program of distance education (elearning) for cooperative education.
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Loor-Moreira, Alexandra, Jorge Calderón-Salazar, and Ana Elena Arias-Arias. "Factores que determinan la satisfacción del socio con respecto al servicio en una Cooperativa de Ahorro y Crédito de Manabí. // Factors that determine the satisfaction with respect of service in the Credit Union of Manabí." Ciencia Unemi 10, no. 25 (February 26, 2018): 36. http://dx.doi.org/10.29076/issn.2528-7737vol10iss25.2017pp36-44p.
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La presente investigación evalúa el grado de satisfacción de los socios de una Cooperativa de Ahorro y Crédito en Manabí, acerca de los diferentes productos y servicios financieros ofertados, para lo cual se aplicó una encuesta a los socios de la misma. El nivel de calidad que ha alcanzado la Cooperativa en los servicios ofertados, son esencialmente en el servicio al socio, variedad de los servicios y confianza en la institución. El análisis se basó en la identificación, descripción y evaluación de los servicios ofertados, para que de este modo evidenciar el grado de satisfacción de sus socios, lo que influirá en el desarrollo y crecimiento futuro de esta cooperativa. Los resultados demostraron que el 83,3% de los socios se sienten muy satisfechos y satisfechos, e identificaron al seguro de vida y la cuenta de ahorro como los dos servicios de mayor importancia. La atención al socio fue la cualidad mejor evaluada por los socios, ya que más del 90% la califico como excelente y bueno. Finalmente el estudio permitió identificar debilidades para la cooperativa, estas se refiere a la necesidad de mejorar la infraestructura y ofertar algunos servicios como son las tarjetas de crédito y el servicio online. AbstractThe present investigation evaluates the level of satisfaction of the members of a Savings and Credit Cooperative in Manabí, about the different financial products and services offered, for which a survey was applied to the members of the same. The level of quality that the Cooperative has reached in the services offered, is essentially in the service to the partner, variety of services and trust in the institution. The analysis was based on the identification, description and evaluation of the services offered, so that in this way, to show the degree of satisfaction of its members, which will influence the development and future growth of this cooperative. The results showed that 83.3% of the members feel very satisfied, and they identified life insurance and the savings account as the two most important services. The attention to the partner was the quality best evaluated by the partners, since more than 90% rated it as excellent and good. Finally, the study identified weaknesses for the cooperative, which refers to the need for improving infrastructure and offering some services such as credit cards and online service.
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Bou Dib (Lekocaj), Jonida, Julian Lekocaj, and Gert van Dijk. "Cooperative Microfinance in Agriculture Analyzing the Outreach and Financial Sustainability of Albanian Savings & Credit Union." European Journal of Sustainable Development 3, no. 4 (September 2014): 29–36. http://dx.doi.org/10.14207/ejsd.2014.v3n4p29.
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Campbell, J. W. "A CONCEPTUALIZATION OF A MICRO‐CREDIT UNION — WORKERS COOPERATIVE TO ASSIST PEOPLE TO DEVELOP SELF‐EMPLOYMENT." Humanomics 15, no. 2 (February 1999): 99–109. http://dx.doi.org/10.1108/eb018829.
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Sampe, Naomi. "Keadilan Dalam Bisnis Gadai." BIA': Jurnal Teologi dan Pendidikan Kristen Kontekstual 1, no. 1 (December 30, 2018): 1–12. http://dx.doi.org/10.34307/b.v1i1.15.
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The habit of debit and credit has become tradition in human culture as far back as. The system of debit and credit also happened in outgrowth. In hundreds years, it expand from barter system in primitive society towards variety methods, until now. There are many ways for people to get loans, and morover in easier manner. The commonly way in taking the allowance is by using bailed out. Thats why,nowdays there so many institution or person pop out to offer a term loan, such as bank, cooperative (enterprise) that emerge in saving and loan, credit union, financing instituion, loan office, and even moneylender. This research is needed to help emerge any understanding into some problem solving on how the christian ethics addressing the alternatives to face this problem of pawning.AbstrakBudaya utang piutang telah menjadi tradisi dalam masyarakat sejak dahulu. Sistem transaksi utang piutang juga mengalami perkembangan. Dari sistem barter dalam masyarakat primitif sederhana, berkembang melalui ratusan tahun menjadi berbagai macam cara hingga saat ini. Cara-cara yang dapat ditempuh untuk mendapatkan pinjaman saat ini beragam dan semakin mudah metodenya. Yang paling umum dilakukan adalah mengambil kredit dengan memberikan jaminan. Lantas, bermunculanlah berbagai lembaga/orang yang dapat memberikan pinjaman dengan bunga yang disepakati, seperti bank, koperasi simpan pinjam, credit union, lembaga finance dan pegadaian bahkan rentenir dengan resiko masing-masing. Masalah ini memerlukan kajian penelitian untuk memberi pandangan etis kristiani sebagai salah satu alternatif teologi menghadapi persolan bisnis gadai ini.
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Bang, Seong chan, and Seung il Lee. "Study on Credit Union Movement of the Wonju Region during 1960s-70s - Focus on Jinkwang Cooperative Educational Institute and Jinkwang Credit Union’s Activities -." Journal of School Social Work 65 (February 28, 2017): 29–63. http://dx.doi.org/10.37924/jssw.65.2.
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Sarlawa, Rita, and Saputra Adiwijaya. "Local Wisdom-Based Women's Empowerment: Study of Rattan Weaving Craftsmen in the Betang Asi Credit Union Cooperative Business Group in Pulang Pisau Regency, Central Kalimantan Province." Budapest International Research and Critics Institute (BIRCI-Journal) : Humanities and Social Sciences 2, no. 4 (November 6, 2019): 31–38. http://dx.doi.org/10.33258/birci.v2i4.554.
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The independence of society is inseparable from the emergence of the independence of individuals who are in it, including women. Women who are members of the Betang Asi Credit Union Cooperative business unit in Pulang Pisau Regency, Central Kalimantan Province with their efforts to wick rattan provide a new meaning in empowering women based on local wisdom of Dayak tribe, with a focus on business based on the potential of rattan plants that grow in nature. This research uses a descriptive qualitative method with a case study approach. The results of this study provide a review of the need for women to join business institutions such as cooperatives or other institutions in marketing their products, so that the weaknesses of the findings in this study can be eliminated and the role of women in the village towards economic independence can run well without having to forget the local wisdom as a person born from Dayak tribe.
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Mulwa, Jonathan Mwau. "Does Financing Diversification Matter? An Evaluation of the Performance of Savings and Credit Cooperative Societies; a case of Kakamega County, Kenya." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 4, no. 3 (July 25, 2013): 324–33. http://dx.doi.org/10.24297/ijmit.v4i3.770.
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Financial sector liberalization in Kenya and the far world has created an enormous spectrum from which Savings and Credit Cooperative Societies (Saccos) can raise finances from. This has coincided with a period of good performances for a number of Saccos. However, there is no certain indication of a link between the good performance and the financing diversification; it is not clear whether those Saccos who have diverse financing sources perform any better than those who rely on their members savings. This paper therefore sought to establish the effect of financing diversification on the performance of Saccos by answering the question; does financing diversification affect the performance of a Sacco? The study used a descriptive correlational design with the study population being all Kenya Union of Savings and Credit Cooperatives (KUSCCO) member Saccos registered in Kakamega County. Data was collected from a key informant in every Sacco using a questionnaire and analysed using both descriptive and inferential statistics. Descriptive analysis was done to identify any trends and dispersions in the data while Karl Pearsons zero order coefficient of correlation was used to determine the nature of relationship between financing diversification and Sacco performance. Regression analysis was done to model the relationship between financing diversification and Sacco performance. The study found out that financing diversification had a significant positive effect on Sacco performance. The study has, however, recommended further researches to establish the risk implications of financing diversification on Saccos.
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Amilatul, Siti Nur, Suciati Suciati, and Ririen Indria Dian Ambarsari. "Implementasi Pelaksanaan Eksekusi Jaminan Fidusia Berdasarkan Putusan Mahkamah Konstitusi Nomor 18/Puu-Xvii/2019 Tentang Jaminan Fidusia (Studi Pada Koperasi Wahidiyah Ta’Awun Kepanjen Malang)." Jurnal Panorama Hukum 6, no. 1 (September 15, 2021): 61–67. http://dx.doi.org/10.21067/jph.v6i1.5964.
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This study want to identify and analyze directly the implementation of the Constitutional Court Decision Number 18 / PUU-XVII / 2019 regarding the Fiduciary Guarantee Execution and to find out how the default settlement procedure in credit agreements in cooperatives with Fiduciary Guarantee and the obstacles faced in the process of executing fiduciary guarantees. This research is the result of field research field research, the formulation of the problem examined is how the fiduciary guarantee execution mechanism in the Constitutional Court decision No.18 / PUU-XVII / 2019 and how the implementation of fiduciary guarantee execution after the MK decision No.18 / PUU-XVII / 2019 at the Wahidiyah Ta'awun Union Kepanjen. Before the issuance of the Decision of the Constitutional Court Number 18 / PUU-XVII / 2019, the execution of guarantees for debtors who have defaulted is regulated under Articles 29 to Article 34 of Law Number 42 of 1999 concerning the Execution of Fiduciary Collateral. After the Constitutional Court Decision, the execution of fiduciary guarantees is carried out by negotiation and mutual agreement of the default, if there is no agreement between the Debtor and the Cooperative Management, then the applicable legal procedure must be carried out, namely a civil lawsuit in court.
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Egenius, Samuel, Boge Triatmanto, and Mohamad Natsir. "The Effect of Job Satisfaction on Employee Performance Through Loyalty at Credit Union (CU) Corporation of East Kutai District, East Kalimantan." International Journal of Multicultural and Multireligious Understanding 7, no. 10 (November 9, 2020): 480. http://dx.doi.org/10.18415/ijmmu.v7i10.1891.
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This research aims to 1) describe the description of Job Satisfaction, Employee Loyalty, and Performance. 2) analyze the effect of Job Satisfaction on Employee Performance. 3) to analyze the influence of Job Satisfaction on Loyalty. 4) to analyze the effect of the influence of loyalty on employee performance. 5) to analyze the influence of Job Satisfaction on Employee Performance through Loyalty as an Intervening Variable in the Credit Union Cooperative, East Kutai Regency, East Kalimantan. The sample in this study was 68 employees. The analysis technique uses path analysis. The results of the analysis show that job satisfaction has a significant effect on employee performance. Job satisfaction has a significant effect on loyalty. Besides, loyalty has a significant effect on employee performance. And job satisfaction has a significant effect on employee performance through loyalty. loyalty moderates job satisfaction on employee performance. Loyalty is the most important part to be noticed and considered by upper management because through loyalty employee work results can be achieved and employee performance increases.
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Barba Bayas, Diego, and Maria Gavilanez Vega. "Gestión social en las Cooperativas de Ahorro y Crédito de una provincia ecuatoriana / Social management in credit unions in an Ecuadorian province." Ciencia Unemi 9, no. 19 (October 13, 2016): 30. http://dx.doi.org/10.29076/issn.2528-7737vol9iss19.2016pp30-38p.
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Las Cooperativas de Ahorro y Crédito-COAC, son sociedades de personas autorizadas por la ley para efectuar intermediación financiera y, mediante sus productos financieros y no financieros, dar respuesta a los problemas de sus socios con eficiencia económica, financiera, social y ambiental. Por ello el propósito de la investigación se encamina a determinar, si además de la práctica financiera desarrollan buenas prácticas de gestión social y si miden aquello e informan los resultados a sus grupos de interés. En esta investigación se describe la situación de las cooperativas, analizando la aplicación de metodologías de gestión social, necesarias pero aún no muy conocidas. Para ello se apoya en la información directa de las cooperativas y la revisión de información de fuentes secundarias, de organizaciones como: Alianza Cooperativa Internacional (ACI) hoy Cooperativas de las Américas, Superintendencia de Economía Popular y Solidaria, los organismos de integración cooperativa existentes en el Ecuador, entre otras. La investigación determina que dichas empresas solidarias privilegian los temas de control y supervisión, lo financiero más que lo social, lo cual las aleja del cumplimento de su rol y objeto social. AbstractThe credit unions-COAC are societies of natural people which are authorized by law to carry out financial intermediation and through its financial and non-financial products respond to the problems of their partners with economic, financial, social and environmental efficiency. Therefore, the purpose of this research is aimed at determining whether besides financial practice it is developed good social management practices and whether they measure and report the results to its stakeholders. In this research the situation of cooperatives is described, analyzing the implementation of social management methodologies, which are necessary but not well known yet. For this purpose, it relies on direct information of cooperatives and review of information from secondary sources, organizations such as: International Cooperative Alliance (ICA) today Cooperatives of the Americas, Superintendence of Popular Economy and Solidary, the existing agencies of cooperative integration in Ecuador, among others. The investigation determined that such solidarity companies privilege the issues of control and supervision of the financial part rather than the social one, which moves away from the fulfillment of their role and social objective.
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Klimenko, Vita, Alena Sokolova, and Olena Hasii. "Status and prospects for the development of credit unions in Ukraine." Problems and Perspectives in Management 15, no. 4 (December 21, 2017): 124–33. http://dx.doi.org/10.21511/ppm.15(4).2017.11.
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Credit unions increase social orientation and efficiency of the market economy by providing their members with necessary financial services on a non-profit basis. Unfortunately, the role of credit cooperation is underestimated in Ukraine. The article investigates factors, condition and prospects for the credit unions’ development as an important component of Ukrainian economy. Both optimistic and pessimistic scenarios of credit unions’ development in Ukraine have been provided based on forecasts involving methods of analytical equalization of dynamic series, correlation and regression analysis and extrapolation. Analysis of the main indicators of credit unions’ activity in Ukraine between 2004 and 2016 made it possible to detect that between 2008 (when indicators were the highest) and 2016 there was a downward trend in the number of credit unions (by 41%), membership (by 76%), total assets (by 66.5%), deposit and loan portfolios (by 79 and 68%, respectively) with a relative stability of capital ratio (by 39%). Creating a cooperative cluster which will be able to combine the material, monetary and labor resources of all major types of cooperatives in the country at the regional level has been outlined as one of the means to increase the credit unions competitiveness in Ukraine. Therefore, the purpose of the article is to assess the state and forecast trends in the development of credit unions in Ukraine in order to identify the prospects for their functioning in the future.
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Taylor, Keith, and Nathan P. Goodman. "The stakeholder-empowering philanthropy of Edward Filene." Journal of Institutional Economics 16, no. 5 (October 29, 2019): 715–29. http://dx.doi.org/10.1017/s1744137419000675.
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AbstractCredit unions currently serve over 110 million members in the United States. This is surprising, given the challenges associated with forming cooperatives. This paper explains how grants were used to overcome these challenges and create the modern credit union sector. Edward Filene, a wealthy 20th-century department store owner, provided philanthropic funding and technical expertise to early credit unions, resulting directly in the creation of 26,000 American credit unions over a 45-year period. Filene's leadership helped overcome the various social dilemmas associated with creating cooperatives, reforming institutions, and establishing an institutional framework that enables and supports cooperatives.
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Anudeep Rawal. "Adoption of Cloud Computing in India." Journal of Technology Management for Growing Economies 2, no. 2 (October 25, 2011): 65–78. http://dx.doi.org/10.15415/jtmge.2011.22010.
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The researcher looks at adoption and applicability of cloud computing to e-governance in India. Data has been gathered via structured questionnaire from stakeholders of various businesses - public & private sector of India, including Indian IT companies that offer cloud computing solutions to clients. The study takes a balanced and unbiased view of cloud computing with focus on India, to figure out the key factors that lead to its adoption using factor analysis and whether these factors could be the drivers for its adoption in e-governance. Cloud computing has picked up in developed markets and is starting to pick up in India. For enterprises, SMB, Government, NGO & individuals - it reduces initial investments, results in cost savings, gives flexibility, scalability, service on demand, device independency and anytime accessibility and reduces key data loss in the event of hardware crash, loss or theft. However, it has issues like confidentiality, information security, legal & regulatory challenges and malicious attacks as data gets stored in a distributive internet cloud, generally beyond any nation\\\'s geography. The intended target audience for this research are Union & State Governments, Large Municipal Corporations, National Federation of Urban cooperative and credit bank societies Ltd.
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MacPherson, Ian. "From the Secretary’s Desk to Main Street: Change and Transition in the British Columbia Credit Union Movement, 1936‑1960." Historical Papers 22, no. 1 (April 26, 2006): 212–29. http://dx.doi.org/10.7202/030972ar.
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Abstract From its founding in 1936 to roughly 1960, the credit union movement in British Columbia focused on the financial emancipation of lower-income British Columbians. As such it was one of a number of similarly inspired institutions, which included adult education centres, cooperatives, trade unions and the CCF. In spite of the existence of Canadian prototypes — the caisse populaire movement in Quebec and, what inspired the BC credit unions in the first place, the Antigonish movement in Nova Scotia — the BC experience generally followed the American model. The first experiments in cooperatives date to the 1860s, but early efforts were sporadic and uncoordinated. Started initially in 1932 by Vancouver's Army of the Good and encouraged by, among several organizations, the CCF, credit unions were given legal standing late in 1939. Once authorized, these institutions expanded rapidly; 139 were established before the end of the war. They answered a felt need to promote savings and encourage the responsible handling of cheaper levels of credit. By 1960, however, the British Columbian credit union movement was reaching the end of its emancipatory stage and had drifted far from its roots. Initially founded on the economic populism of the Antigonish movement, it absorbed many of the organizational techniques and some of the conservatism which characterized the American movement.
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Purwantini, Sri, Endang Rusdianti, and Paulus Wardoyo. "KAJIAN PENGELOLAAN DANA KOPERASI SIMPAN PINJAM KONVENSIONAL DI KOTA SEMARANG." Jurnal Dinamika Sosial Budaya 18, no. 1 (November 26, 2017): 133. http://dx.doi.org/10.26623/jdsb.v18i1.564.
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<p><em>In accordance with the principles of cooperatives, Credit Union known as financial institution, as well as serve as an intermediary institution. Credit Unions activities include collecting deposits from members, gives loans to members, other cooperatives and or their members, as well as manage the balance of funding and lending.</em></p><p><em>Based on the study results, it is found that Credit Unions can not rely on collection of funds from the member either in the form of savings, compulsory savings, time deposits. In addition, Credit Unions are also less interested in establishing a partnership with the Bank either through the linkage program and other programs.</em></p><p><em>In an effort to balance of fund and loan portfolio, the manager of more use their experiences in the past, so that utilization is less than optimal. Weak regulation, has made the behavior of the manager of Credit Unions to act like a bank.</em></p><p> </p>
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NGIAM, KEE JIN, and HAZEL YUEN. "MONETARY COOPERATION IN EAST ASIA: A WAY FORWARD." Singapore Economic Review 46, no. 02 (October 2001): 211–46. http://dx.doi.org/10.1142/s0217590801000346.
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This paper provides a theoretical justification for regional credit facilities such as currency swap arrangements in East Asia to ward off currency attacks and deter would be speculators. It also presents a case for monetary integration in East Asia. However, in view of the diverse economic, social and political background among the East Asian economies, a practical approach is to start off with a few small monetary unions rather than a large monetary union in the region. Lessons are drawn from a highly successful, but little known, monetary union between Brunei and Singapore.
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Marie Antoinette, Simonet, Kamdem David, and Nguefack Christian. "Impact of the Customer Relationship Management on the Performance of the Institutions of Microfinance in Cameroon: The Case of the CAMCCUL Network." INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 1, no. 3 (September 27, 2012): 37–53. http://dx.doi.org/10.24297/ijmit.v1i3.1427.
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The objective of this contribution is to work out the customer relationship management and the commercial performance of the institutions of microfinance (IMF) in Cameroon in order to show its impacts on the performance indicators of the latter. To achieve this goal, we have simultaneously applied the nonparametric method of the Data Envelopment Analysis (DEA) and the censored Tobit model on a sample of 60 IMF belonging to the Cameroon Cooperative Credit Union League (CAMCCUL) network. The different statistical tests carried out have first of all permitted us to estimate the IMF performance levels and then to assess the different factors which influence the commercial performance of the IMF, taking into account the indicators obtained from the literature review. As a general rule, we have realized from our results that the IMF of the CAMCCUL network are globally inefficient as regards the commercial performance, the women influence on the scores of performance being very significant, insofar as the IMF which are in majority made up of women have relatively been more impressive compared to those which are in majority made up of men. Among the factors influencing the performance, we have noted that the computerized management of the customer relationship and the proximity (closeness) of the social contacts exert a positive influence on the performance, while the satisfaction towards the past experiences with the IMF exerts a negative and very significant influence on this one.
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Supriyanto, Agustinus, Rikkie Dekas, and Ita Ita. "Analisis Kesehatan Koperasi Kredit Sentosa Palembang." MBIA 19, no. 3 (February 5, 2021): 343–54. http://dx.doi.org/10.33557/mbia.v19i3.1205.
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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
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SANTOS, LUA SYRMA ZANIAH, VALÉRIA GAMA FULLY BRESSAN, VILMAR RODRIGUES MOREIRA, and ROMEU EUGÊNIO DE LIMA. "Credit risk and technical efficiency in Brazilian credit unions." Cadernos EBAPE.BR 18, no. 4 (October 2020): 956–73. http://dx.doi.org/10.1590/1679-395120200001x.
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Resumo Este estudo analisa a relação entre o risco de crédito e a eficiência das cooperativas de crédito brasileiras no período de 2008 a 2017. Utilizou-se o modelo de Data Envelopment Analysis em dois estágios para a obtenção dos escores de eficiência, com a análise de um modelo Tobit no segundo estágio. Foram consultados especialistas para a construção e a validação dos escores de eficiência, o que é uma contribuição desse estudo em relação aos demais. Constatou-se que, quanto maior o risco de crédito, menores os escores de eficiência. De igual modo, viu-se que as cooperativas de crédito que conseguem manter sua continuidade no mercado e diversificam seus produtos tiveram maiores escores de eficiência e, por consequência, geraram mais benefícios aos associados. Adicionalmente, as cooperativas devem se atentar no número de pontos de atendimentos e em períodos de recessão econômica. O aumento do número de pontos de atendimento reduz os escores de eficiência. Considerando o período de retração econômica brasileira medido no período de 2015 a 2017, verificou-se um impacto negativo nos escores de eficiência médios das cooperativas. Como limitação, os resultados são decorrentes de inputs e outputs selecionados de informações contábeis e financeiras, de modo que se sugere que novas variáveis relacionadas à dimensão social das cooperativas sejam incorporadas em outros estudos a fim de avaliar a eficiência global das cooperativas de crédito brasileiras.
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Luan, Do Xuan. "Bridging the credit gap for sustainable medicinal plant value chain development in Northwestern Vietnam." Agricultural Finance Review 79, no. 4 (August 5, 2019): 443–66. http://dx.doi.org/10.1108/afr-07-2018-0061.
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Purpose The purpose of this paper is to explore the existence and determinants of the credit gap in the cinnamon value chain development in Northwestern Vietnam. Design/methodology/approach A multi-stage sampling of 548 cinnamon households and a Heckman Selection Model were applied to examine their credit access constraints. In-depth interviews with cooperatives, enterprises, banks and relevant government agencies were further conducted to explain the credit gap. Findings In the total 52.74 percent of households that received credit, 24.56 percent of them received an insufficient amount of credit as registered. In addition, 35.77 percent of total households are credit rationed. Although all enterprises and cooperatives had been successful in applying for credit as long as they have collateral, none of them received the full credit amount requested. The credit amount received satisfied 80.64, 43.03 and 44.28 percent of the demand by households, cooperatives and enterprises, respectively. The lack of valuable collateral assets is the most important factor explaining this credit gap. Moreover, membership in a farmer-based union or ownership of a bank account increases the probability of access to credit. Educated household heads with a larger farm size and the Kinh ethnic majority are positively associated with a larger amount of credit. Households with conventional cinnamon farming, more dependents and union non-membership are more likely to be credit rationed. Practical implications A reform on collateral management, facilitating access to bank accounts, capacity building for local farmer-based unions, organic certification, granting land use rights and facilitating a platform to share reliable information between relevant actors are needed to bridge the credit gap. Originality/value This paper analyses the determinants of credit access constraints by key actors in a medicinal plant value chain that was insufficiently discussed by previous studies in the field.
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Sousa, Marcos de Moraes, and Reginaldo Santana Figueiredo. "CREDIT ANALYSIS USING DATA MINING: APPLICATION IN THE CASE OF A CREDIT UNION." Journal of Information Systems and Technology Management 11, no. 2 (August 21, 2014): 379–96. http://dx.doi.org/10.4301/s1807-17752014000200009.
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Bierecki, Dominik. "Legal Status and Development Trends of Credit Unions in Polish Law and its Compliance with the WOCCU Standards and the International Cooperative Principles." Boletín de la Asociación Internacional de Derecho Cooperativo, no. 56 (April 1, 2020): 19–45. http://dx.doi.org/10.18543/baidc-56-2020pp19-45.
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The article presents the outline of credit unions’ history in Poland, the credit unions’ legal status in Polish law and the credit union’s legal status as the European Cooperative Society (SCE). Conclusions driven from this analysis are compared with the World Council of Credit Unions (WOCCU) standards and the contents of the International Cooperative Principles. Also, the article discusses legal environment, government attitude and development trends of credit unions’ in Poland. In conclusion, the de lege ferenda postulates regarding credit unions’ regulation in Poland are presented. Credit unions in Poland conduct not for profit business activity only with their members with reservation to mediating in specific contracts on financial market which can be also conducted with nonmembers. Credit unions activity is subject to supervision of the Polish Financial Supervision Authority (FSA). Therefore credit unions regulation is characterized by duality of legal regime of private and administrative law. However, in certain fields of credit unions activity the FSA’s supervision, performed under administrative legal regime, raises justified doubts in the light of the principle of cooperative autonomy as the FSA by law has the authority to impose specific orders and prohibitions on credit unions.Received: 06 September 2019Accepted: 21 February 2020Published online: 01 April 2020
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Vasa, László, and Imre Vida. "Az önszerveződő csoportok szerepe az ugandai pénzügyi rendszerben." Afrika Tanulmányok / Hungarian Journal of African Studies 14, no. 3-4. (January 30, 2021): 5–27. http://dx.doi.org/10.15170/at.2020.14.3-4.1.
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Groups organized on the basis of voluntary cooperation play a significant role in the financial systems of sub-Saharan African countries. Following the success of the cooperative movement and the Grameen model, self-organized microfinance organizations have spread across the continent. In our study, we examine the role of self-organizing groups through the Ugandan example. According to a survey by the Central Bank of Uganda, there were about 1,000 active savings and credit unions and more than 70,000 financial self-help groups in the country in 2018. Although savings and credit cooperative organizations are sometimes influenced by the politics, they still play a significant role in poverty reduction.
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Dewi, Danty Safira, and Tika Widiastuti. "PEMBERDAYAAN EKONOMI KARYAWAN PESANTREN OLEH KOPERASI AL-MAWADDAH STUDI KASUS PESANTREN PUTRI AL-MAWADDAH." Jurnal Ekonomi Syariah Teori dan Terapan 3, no. 3 (January 20, 2017): 219. http://dx.doi.org/10.20473/vol3iss20163pp219-234.
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The research goal is to figure out the role of the Al-Mawaddah Islamic Girl Boarding School or Kiswah against economic empowerment employee of boarding school. The research method used is descriptive qualitative approach with case studies. Data collected by interviews and observations directly to the informant that is in charge of the cooperative and the community surrounding the village of Coper Jetis Ponorogo and secondary data collection is derived from the journal, text books and other literature.Results from this study is a Kiswah role in the economic empowerment of the employees but still less perfect or less than optimal. The employees economic empowerment conducted by the Cooperative Al-Mawaddah Islamic Girl Boarding School or Kiswah by making Kiswah as employment and to increase their income. Going forward, Kiswah will change the shape of this cooperative that previously was business cooperatives into credit unions or other forms of cooperatives.
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Santos, Ramon Rodrigues dos, and Joséte Florêncio dos Santos. "Características da Produção Científica Brasileira sobre Cooperativas de Crédito no período entre 2006 e 2018." Revista Administração em Diálogo - RAD 22, no. 1 (February 17, 2020): 81–102. http://dx.doi.org/10.23925/2178-0080.2020v22i1.41026.
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Este artigo buscou identificar os elementos que descrevem o perfil das publicações científicas sobre cooperativas de crédito nos principais periódicos nacionais e internacionais, realizando uma análise bibliométrica na Scopus no período de 2006 a 2018, contemplando os termos “cooperativas de crédito”, “credit cooperatives” e “credit unions”. Os principais resultados mostram que a produção científica brasileira indexada na Scopus ainda é incipiente, com 24 trabalhos publicados, cujo ano de 2017 concentrou aproximados 20,8% desta produção (5). Em maioria, os artigos são classificados na área “Negócios, Gestão e Contabilidade” e são predominantemente produzidos por autores da UFV e da UFMG. Em complemento, identificou-se que a rede de autores é isolada, não havendo cooperação entre os clusters.
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Dadamirzaeva, Gulchekhra. "FORMATION OF COOPERATIVES AND ITS FEATURES IN UZBEKISTAN UNDER THE SOVIET UNION." JOURNAL OF LOOK TO THE PAST 15, no. 2 (August 15, 2019): 66–72. http://dx.doi.org/10.26739/2181-9599-2019-15-08.
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The article describes the formation of textile, agricultural, credit and craft cooperatives in the conditions of Soviet construction, opinions on cooperatives of small producers and the functioning of the system. Also provides information on the activities of the ooperative
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McKillop, Donal G., and John O. S. Wilson. "Credit Unions as Cooperative Institutions: Distinctiveness, Performance and Prospects." Social and Environmental Accountability Journal 35, no. 2 (March 24, 2015): 96–112. http://dx.doi.org/10.1080/0969160x.2015.1022195.
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Nababan, Mezbah Theresyah, Jubi Jubi, Ady Inrawan, and Astuti Astuti. "ANALISIS PEMBERIAN PINJAMAN, KREDIT BERMASALAH DAN SISA HASIL USAHA PADA KOPDIT CU MANDIRI TEBING TINGGI." FINANCIAL: JURNAL AKUNTANSI 5, no. 1 (September 12, 2019): 8–12. http://dx.doi.org/10.37403/financial.v5i1.86.
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The purpose of this research are: (1) To know out the granting of loans, non-performing loans and trade output remaind of Mandiri Credit Union Tebing Tinggi. (2) To find out the factors that led to the granting of loans, bad debt and the rest of the results of the effort are experiencing fluctuations every year of Mandiri Credit Union Tebing Tinggi. This research was used with qualitative descriptive analysis methods and inductive analysis. Data sources used in this research are primary and secondary data. Data collection is done by interview and documentation methods.Based on the results of the analysis of the research, it can be concluded that the fluctuating loan development tends to increase, the fluctuating development of non-performing loans tends to increase and the fluctuations in the remaining operating results tend to decrease.The results of the analysis suggest that the Mandiri Tebing Tinggi Credit Union Credit Union does not make it difficult for members to borrow and the procedures provided are not complicated, the loan interest is not too large so that members are not bored to make borrowing transactions, Mandiri Tebing Tinggi Credit Union Credit Union should approach the incoming members. into Non-Performing Loans, providing solutions to members who have difficulty paying their obligations, preferably the Mandiri Tebing Tinggi Credit Union Credit Union minimizes costs and reduces borrowing capital so that cooperatives are not burdened with loan interest costs and other operational costs. Keywords: The Granting Of Loans , Non-Performing Loans and Trade Output Remaind (SHU)