FAKTOR-FAKTOR YANG MEMPENGARUHI SUSTAINABILITAS PERTUMBUHAN FINANSIAL LEMBAGA KEUANGAN MIKRO DI JAWA TIMUR
Abstract: Since the monetary
crisis in 1998, Indonesia's economy has not fully recovered as indicated by
slow economic growth which has not reached yet 8% each year. These conditions
load to growing number of unemployed and hence create many demand from the
large number of micro enterprise for loan. There were about 50 million micro
entrepreneurs which was served only by 56 thousand units of MFIs (Microfinance
Institution). This fact intrigued a deep comprehensive analysis at supply side,
i.e. the MFIs. The analysis was to study factors that inhibit the
sustainability growth of MFIs in order to increase the number of micro business
loans. The research was located in East Java province due to the fact that more
than 70% MFIs located in Java island and the largest MFIs is in East Java. The
samples were obtained by purposive sampling technique and then analysed using
descriptive statistics, ordinal logistic regression and biplot. The result
proved that the factors which significantly influence the growth of financial
sustainability were Regulation, Institutions, Efficiency, CAR (Capital Adequacy
Ratio), ROE (Return on Equity), ROA (Return on Asset), LDR (Loan to Deposit
Ratio), loan, NPL (Non Performing Loan), HRD (Human Resources Development) and
Interest rates. While the factors that did not have significant effect were
competition and income per capita.
Keyword: Microfinance
Institutions (MFIs), Performance Analyze, Financial Sustainability, Ordinal
Logistic Regression
Penulis: Siti Sundari, Arief
Daryanto, Mangara Tambunan, Asep Saefuddin
Kode Jurnal: jpmanajemendd120510
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