ANALISIS KINERJA SOSIAL DAN KINERJA KEUANGAN LEMBAGA KEUANGAN MIKRO (LKM) USAHA EKONOMI KELURAHAN-SIMPAN PINJAM (UEK-SP) MAHARATU JAYA KELURAHAN MAHARATU KECAMATAN MARPOYAN DAMAI KOTA PEKANBARU
Abstract: This research was
conducted in Microfinance institutions (MFI) UEK-SP Maharatu Jaya, Pekanbaru.
The purpose of this study to analyze the social performance and financial
performance of MFI UEK-SP during 2009-2013. Social performance was analyzed
using mixed market performance indicators and financial performance was
analyzed by using the 17 indicators of PEARLS. Social performance analysis show
that MFI UEK-SP has achieved its mission and social objectives, was indicated
the indicator of increasing of total loan volume revolving at 25.58 percent.
Result also show that the highest increasing of lending revolving is trading sector (31.00 pecent), and the
increasing of poor lending volume as much as 18.13 percent. Financial
performance analysis shows that the 8 ratio of PEARLS is ideal goals, that
are the ratio of current assets, loans
from the outside, the capital of institutions, non-productive assets, income
from loans, asset growth, net income and capital growth. While the 9 ratio of
PEARLS less than ideal goals, that are the ratio of the risk reserve fund for loans
negligence 1-12 months and over 12 months, outstanding loans, operating costs,
non perfoaming loan, loan growth, liquidity and deposit growth stocks.
Penulis: Sandi Setiawan, Ahmad
Rifai, Didi Muwardi
Kode Jurnal: jppertaniandd150701
