Pengaruh Kredit Simpan Pinjam Terhadap Pendapatan Koperasi Pada Koperasi Tani Satya Jaya Keloncing Periode 2006 – 2011

Abstract

ABSTRAK

Penelitian ini bertujuan untuk mengetahui : (1) perkembangan kredit simpan pinjam pada Koperasi Tani Satya Jaya Keloncing periode 2006–2011, (2) perkembangan pendapatan koperasi pada Koperasi Tani Satya Jaya Keloncing periode 2006–2011, (3) pengaruh kredit simpan pinjam terhadap pendapatan koperasi pada Koperasi Tani Satya Jaya Keloncing periode 2006–2011. Teknik pengumpulan data menggunakan metode observasi dan interview. Data yang digunakan adalah data kuantitatif berupa data perkembangan kredit simpan pinjam dan pendapatan koperasi. Selanjutnya data dianalisis dengan menggunakan Analisis Korelasi Pearson Product Moment (r) dan Koefisien Determinasi. Hasil penelitian menunjukan bahwa : (1) jumlah kredit simpan pinjam yang terhimpun pada Koperasi Tani Satya Jaya Keloncing pada tahun 2006 sampai dengan 2010 mengalami peningkatan, hal ini disebabkan adanya kelancaran pembayaran kredit, meningkatnya jumlah nasabah dan jumlah kolektor meningkat. Sementara pada tahun 2011 kredit simpan pinjam mengalami penurunan, hal ini disebabkan oleh adanya kredit macet dan menurunnya jumlah nasabah akibat adanya persaingan dengan koperasi lainnya. (2) jumlah pendapatan pada Koperasi Tani Satya Jaya Keloncing pada tahun 2006 sampai dengan 2010 terus mengalami peningkatan, semua itu terjadi karena adanya kelancaran pembayaran kredit yang mengakibatkan jumlah bunga kredit/pinjaman meningkat. Selain itu jumlah nasabah yang juga meningkat dapat meningkatkan jumlah kredit yang diberikan. Hal ini dapat mengakibatkan pendapatan meningkat. Sementara pada tahun 2011 pendapatan koperasi mengalami penurunan. Hal ini terjadi karena adanya kredit yang macet dan menurunnya jumlah kredit akibat menurunnya nasabah karena adanya persaingan dengan koperasi lainnya. (3) Kredit simpan pinjam mempengaruhi pendapatan koperasi sebesar 92,16% sedangkan sisanya 7,84% dipengaruhi oleh biaya administrasi kredit harian dan bulanan, serta denda.

Kata Kunci : Kredit, Pendapatan dan Koperasi.

ABSTRACT

This study aims at knowing: (1) the development of saving and loan credit of Tani Satya Jaya Keloncing Cooperation, during the period of 2006 – 2011, (2) the development of the cooperation income of Tani Satya Jaya Keloncing Cooperation, during the period of 2006 – 2011, (3) the influence of saving and loan credit towards the cooperation income of Tani Satya Jaya Keloncing Cooperation, during the period of 2006 – 2011. The data of the study were collected by using observation and interview methods. The type of data being used in this study was qualitative data, which were in the form of the development of saving and loan credit and the cooperation income. The collected data were then analysed by means of Pearson Product Moment Correlation Analysis (r) and Determination Coefficiency. The result of the study shows that: (1) the number of saving and loan credit collected in Tani Satya Jaya Keloncing Cooperation, during the period of 2006 – 2011, experienced a significant increase. This was due to the existence of the smooth payment of credit and also the increase of the number customers and collectors. Meanwhile, in 2011, there was a decrease in terms of saving and loan credit, which was caused by the existence of stuck credit and the decrease of customers as a result of competition with other cooperations. (2) the total income of Tani Satya Jaya Keloncing Cooperation, during the period of 2006 – 2011 constantly increased, and this was triggered by the smooth payment of credit, resulting in the increase of credit or loan interest. In addition, the increase in the number of customers could increase the number of credit being given. This phenomenon also brought about the increase of income. While in 2011, the cooperation income decreased. This was the result of stuck credit and the decrease of customers, which was due to the competition with other cooperations. (3) the saving and loan credit affected the cooperation income with the total of 92,16%, while the ramaining 7,84% was affected by the administration cost of daily and monthly credits as well as the fine.

Key Words: Credit, Income, and Cooperat