ANALISIS KINERJA SOSIAL DAN KINERJA KEUANGAN USAHA EKONOMI DESA-SIMPAN PINJAM (UED-SP) BINA SEJAHTERA DI DESA SIBABAT KECAMATAN SIBERIDAKABUPATEN INDRAGIRI HULU PROVINSI RIAU
Abstract: This study aimsto
analyze social performance and financial performance of Microfinance
Institutions UED-SP Bina Sejahtera, inthe village of Sibabat, Indragiri Hulu.
Social performancewas analyzed by using the MIX Market Social Performance
Indicators, and financial performance was analyzed by using PEARLS based the
financial data during 2010-2013 period. The results showed tha the MFIUED-SP
Bina Sejahtera is not yet optimal in crease loan volume growth. Development of
systems and strategies based on staff productivity indicators for the number of
borrowers and loan volume and an increase inthe ratio of staff incentivesis not
yet optimal also. Performance improvement of the borrower and the borrower poor
people increased. Rangeof business sectorsare dominated by agriculture and
trade, which is indicated by the lending volume indicator on agriculture and
trade. The financial performance of MFIs UED-SP obtained undersome indicators
in ideal conditions, that are: the ratio ofcurrent assets, the ratio ofexternal
loans, institutional capital ratio, the ratio of non perfoaming loans, the
ratio of non-productive assets, the ratio of loan income, asset growth, and the
growth of savings shares. Financial performance indicators have not been
achieved are the ratio of the Loan Losses Allowances for Delinquent >12
Month ratio, Net Loan Loss Allowances for Delinquent 1-12 Month ratio, Net
Loans Ratio, Member Share Capital Ratio , Operating Expenses Ratio, Net Income Ratio,
Non-earning Liquid Assets Ratio, Net Loans growth Ratio, Institutional Capital
Growth Ratio.
Penulis: Angga Kurniawan
Rasmi, Ahmad Rifai, Ermi Tety
Kode Jurnal: jppertaniandd150655