Analisis Kinerja Sosial dan Keuangan Lembaga Keuangan Mikro Puap Di Desa Pandau Jaya Kecamatan Siak Hulu Kabupaten Kampar
Abstract: Gapoktan Tani Jaya
that located in the Pandau Jaya Village of Kampar District is one of the
beneficiaries of Rural Agribusiness Development ( PUAP ) which has been running
for 5 years . Until now , there has been no discourse to improve PUAP
institutions into MFI - A. An MFI - A should have social performance in its
outreach and financial performance with good level financial position (Arsyad,
2008). Based on the explanation , aim of this research are: to analyze the
social performance, analyzing the financial performance of institutions and
policy implications the results of the analysis of social performance and
financial performance of the institution. The data used are secondary data
derived from the financial statements and progress reports of institution
membership in 2009 until 2012 and the primary data is interviews to PPL and
agency managers. Outreach of institutional customers is fluctuated because
there are non-active members at a later stage. Staff outreach is considered
good because it can meet all the needs of members. Loan outreach also fluctuate
because there are non-active members and the existence of arrears in 2011 and
2012. Savings range is considered good because a lot of members who do
voluntary savings each year. Sales of fertilizer also has a positive effect on
the development of the institution's revenues. Liquidity and solvency ratio has
decreased every year but the value of the ratio is still in a liquid state and
solvable. Profitability and activity ratio is considered good although profits
are quite small but positive effect on institutions and organizations are also
able to streamline the activities of financial resources. The policy
implications of the institutions should increase the number of active borrowers
and reduce operational costs , and increase profits from the activity of the
institution.
Penulis: Martua Siahaan, Ahmad
Rifai, Susy Edwina
Kode Jurnal: jppertaniandd140835