Analisis Kinerja Sosial dan Kinerja Keuangan Lembaga Keuangan Mikro (LKM) Usaha Ekonomi Desa-Simpan Pinjam (UED-SP) Badan Usaha Milik Desa (BUMDes) Mekar Jaya Desa Bukit Sembilan Kecamatan Bangkinang Kabupaten Kampar
Abstract: This study aims to
analyze social performance and financial performance of microfinance
institutions UED-SP Mekar Jaya. Market performance indicators formulated by
Microfinance Information eXchange (MIX) used to analyze the social performance
of financial institutions, and financial performance analyzed using 17 PEARLS
ratio. Analysis of the UED-SP MFI's
social has reached the social mission and goals. The cumulative volume of loans
41.61 percent and the higher growth of loans volume the agricultural sector
42.73 percent, the poor borrowers is 45.65 percent and volume of loans
increased 55.35 percent. Internal system
activity has developed in addition of the financial products and
non-financial services, as well as increased staff incentives. The output and
outcome UED-SP MFI’s was increasing in average annual, outreach of the woman
borrowers 37.87 percent. The financial
performance obtained that the protection is not achieved because it doesnt have a provision for loan losses on
loans greater than 12 month delinquent.Effective financial structure
obtained the net loans higher than range
limit of ideal achivement, ratio of
members share capital in ideal, ratio of capital institutions in ideal. Asset
quality in Non Perfoaming Loans (NPL)
and ratio of non-earning asset are in ideal. Return and cost operating
expenses are not ideal while net loan income are ideal, ratio of income from
non-earning liquid assets are not ideal. Signs of growth with the asset growth and savings
deposit has growth with in ideal ratio.
Penulis: Rahmi Puspita Sari,
Rosnita, Ahmad Rifai
Kode Jurnal: jppertaniandd140582