ANALISIS KINERJA SOSIAL DAN KINERJA KEUANGAN LEMBAGA KEUANGAN MIKRO (LKM) USAHA EKONOMI DESA-SIMPAN PINJAM (UED-SP) KECAMATAN PANGKALAN LESUNG KABUPATEN PELALAWAN.
Abstract: This study aims to
analyze social performance and financial performance rural microfinance
institutions (UED-SP) in Pangkalan Lesung Subdistric. Research was conducted at
UED-SP Barokah in Sari Makmur village and UED-SP Sido Asri in Rawang Sari.
Social performance analysis using MIX Market performance indicators, and
financial performance analysis method using 17 ratio with Pearls. Analysis
social performance and financial performance on average performed over the
period 2011-2013. Results performance analysis showed that UED-SP in Pangkalan
Lesung Subdistric has reached 10.77 percent - 19.57 percent of poor households,
agricultural sector is the most reach on
productive activites. The volume loans increased at 70.58 percent on
UED-SP Barokah, and 68.07 percent on UED-SP Sido Asri. Women borrowers increased
at 87.19 percent on UED-SP Sido Asri and 98.66 percent on UED-SP Barokah. The
results obtained analysis financial performance that rural microfinance in
Pangkalan Lesung Subdistric does’t have a reserves for the loan risk on 1-12
months and over than 12 months. Effectiveness financial structure obtained very
large ratio outstanding loans (94.21 percent), while loans and loan stock still
small, and ratios of capital institutions ratios are very large. NPL ratio
(4.35 percent) and unproductive assets ratio (00:05) is quite low. Ratio operating
costs still high (11.96 percent), while ratio net income quite small (9.63
percent). Liquidity ratio good (4.94 percent). Signs look good capital growth
with growth institutional capital sizeable (116.17 percent) and growth assets,
loans and shares are above inflation.
Penulis: Ika Retno Sari, Ahmad
Rifai, Didi Muwardi
Kode Jurnal: jppertaniandd140572