ANALISIS KINERJA SOSIAL DAN KINERJA KEUANGAN LEMBAGAKEUANGAN MIKRO (LKM) USAHA EKONOMI DESA SIMPAN-PINJAM (UEDSP) BAKTI MULYA DESA TALANG MULYA KECAMATAN BATANG CENAKU KABUPATEN INDRAGIRI HULU
Abstract: This study aims to
analyze social and financial performance of microfinance institutions UED-SP
Bakti Mulya. Social performance analyzed using Microfinance Information
exchange (MIX) soscial performance standard report, and financial performance
analyzed using 17 PEARLS ratio. Analysis of the UED-SP social peformance has
reached the social mission and goals the cumulative volume of loans 19.42
percent, and the higher growth of loans volume is the agricultural sector 39.18
percent. The poor borrowers 23.33 percent and volume of loans increased 35.06
percent. Internal systems increased on a variety of loan products and increased
incentives for staff. The output and outcome UED-SP was increasing in average
annual, outreach of the women borrowers, the borrower of productive economic in
the agricultural sector, poor borrowers, and the volume of saving. Monetary
performance LKM UED-SP Talang Mulya show from 17 indicator ratio of PEARLS
there are 8 indicator residing in condition is not ideal cover protection ratio
( protection) ( P1), and ( P2), lending ratio circulate ( E1), Share deposit
ratio ( E7) and operating expenses ratio (R9),Rasio not yield ( L3), growth of
share deposit ( S5), and growth of institute capital (S6) show condition is not
ideal. Implication Policy of Social Performance that is organizer require to follow training related to gender
sensitivitas, Need the existence of development of product innovation, accepted
incentive staff have to pursuant to performance. Implication policy of monetary
performance have to cast aside risk reserve fund to avoid arrears risk.
Penulis: Adi riyanto, Ahmad
Rifai, Suardi Tarumun
Kode Jurnal: jppertaniandd150558
