KAJIAN TINGKAT KESEHATAN KOPERASI BERDASARKAN PERATURAN MENTERI KOPERASI DAN UKM NO. 14 TAHUN 2009 (STUDY KASUS PADA KOPERASI KREDIT TUKE JUNG DI KABUPATEN SIKKA)
Daftar Isi:
- Financial performance analysis of credit cooperation illustrates achievement and management capability in running cooperation business. One of the Financial performance instrument analysis of credit cooperative in this research is health level assessment of credit cooperative based on Regulation of Ministry of Cooperation and Small Entrepreneurship Number 14 of 2009 about Manual of Health Assessment of Credit Cooperation consist of Modality, Productive Assets Quality, Management, Liquidity Efficiency, Independency and Growth, Cooperation Self Identity. The purpose of this research are to recognize financial performance of Tuke Jung Credit Cooperation from health level aspect of credit cooperation period 2009-2011, know about anything problems that faced by credit cooperation, and give solution in problem solving that encountered by credit cooperation. This research as qualitative research with case study approach. Research object is financial report of Tuke Jung Credit Cooperation period 2009-2011. Data analysis taken by computing ratios of Modality, Productive Assets Quality, Management, Liquidity Efficiency, Independency and Growth, Cooperation Self Identity, compute the value and multiplying weight and determined score, summed the respective aspect scores and established predicate of health level aspect of credit cooperation. The result of the research indicates that Tuke Jung Credit Cooperation experienced fluctuation in 2009 taken score 75,95 and included fairly well predicate, in 20 I 0 taken score 82, 7 and get good predicate, and in 2011 get score 73,95 get fairly well predicate. Fluctuation happened because cooperation own several problems that are greater risk, bigger debts of cooperation member and business expenses, big regional cross loan debt, unable to fulfill whole short term obligation, less of SHU, did not have limitation lending given to its members and only have one business that is loan and borrow the money. Therefore suggested Tuke Jung Credit Cooperation have policy by giving loan accompanied collateral in detail and clearly and selective in give loan to members, make limitation loan to member appropriate with own modal, should pressure business expenses and cooperation (interest of regional cross loan debt and risk cost), in long term must proposed interest decrease for regional loan cross.