Analysis Model Development Non-Performing Loan in Cooperative Finance System with System Dynamics

##plugins.themes.bootstrap3.article.sidebar##

Article (Bahasa Indonesia)
Published Jan 24, 2023
DOI : https://doi.org/10.32664/j-intech.v10i2.807
  • Halaman : 131 - 141
  • Abstract views : 129
  • PDF views : 105

##plugins.themes.bootstrap3.article.main##

Lilia Trisyathia Quentara
Sekolah Tinggi Teknologi Nasional Jambi
Wening Indrati Erna Rahayu

Abstract

Cooperatives are microfinance institutions that have developed a lot in society with the aim of improving the people's economy. One of the business processes carried out by cooperatives is to provide financing to their members, with requirements and processes that are much easier than banking. This research was conducted by developing a Stock Flow Diagram (SFD) analysis model for non-performing loans (NPL) in the financing system which applied at KSU Santosa Jambi. The Dynamics System method is used to project the cash flow developments and compare them with the NPL ratio. The results of the study justify that the problem of bad loans has a greater value than the projected profits obtained by cooperatives. In order to mitigation all risks, the 5C analysis that has been used by cooperative management to assess the eligibility of customers’ needs to be reviewed or supplemented with a 7P analysis.

##plugins.themes.bootstrap3.article.details##

Issue
Vol 10 No 2 (2022): J-Intech : Journal of Information and Technology
Section
Articles
References
[1]. A. Sukma et all, “Analisis Kelayakan Penilaian Kredit Menggunakan Metode 5C sebagai Penunjang Keputusan kredit pada PT. BPR HARIARTA SEDANA”, Prosiding Seminar Nasional Informatika, pp 395-401, 2015.
[2]. Muttaqin, “Model Pembiayaan Baitul maal wa tamwil dan Peranannya dalam Pembinaan Kesejahteraan Usaha Kecil Menengah (UKM)”, Jurnal Humanity, Vol 7, No. 2, pp35-45, 2012.
[3]. Prayetno and Muslihudin. “Model sistem pendukung keputusan penilaian kelayakan pemberian kredit”. Jurnal Sarjana Teknik Informatika, Vol 1, No. 1, pp 248-258, 2013.
[4]. T. Sasmita, R. Puspitasari, and S. I. Rosita, “Pengaruh 5C dan 7P Terhadap Pemberian Kredit (Studi kasus pada PT. Bank Negara Indonesia, Tbk Cabang Bogor dan PT BRI cabang bogor”, Jurnal Aplikasi bisnis dan Kesatuan (JABKES), Vol 1, No. 1, pp 1-10, 2021.
[5]. W. Jannah W and M. Rimawan, “Analisis Pengaruh Non-Performing Loan (NPL) Terhadap Return on Equity pada Koperasi Wanita (kopwan) Kartika sari kota Bima”, Balance: Jurnal Ekonomi, Vol 16, No 1, 2019.
[6]. O. A. Dewi, Darminto, and M. G. W. Endang, “Analisis Manajemen Kredit Guna Meminimalisir Kredit Bermasalah (Studi pada koperasi bank perkreditan rakyat pancadana batu)”, Jurnal Administrasi Bisnis (JAB), Vol 9, No. 2, pp 1-8, 2014.
[7]. N. K. S. L. Febriyanti and N. N. Sudiyani, “Analisis Penilaian Tingkat Kesehatan Kredit Koperasi di tinjau dari Non-Performing Loan (NPL) dan Loan to Deposit Ratio (LDR) pada Koperasi Dana Mandiri Desa Abiansemal di Kabupaten Badung”, Jurnal manajemen dan bisnis equilibrium, Vol. 4, No, 2 pp 186-197, 2018.
[8]. T.D. Warninda. “Analisis Model Dinamik Profitabilitas Bank Pembiayaan Rakyat Syariah”, Islamic banking and finance conference, 2012.
[9]. Prahasta, E. “System Thinking & Pemodelan sistem dinamis”, Informatika Bandung, Bandung, 2018.
[10]. Suryani, R. A. Hendrawan, and U. E. Rahmawati, “Model dan simulasi system dinamik”, deepublish, Yogyakarta, 2020.
[11]. Stevanie et al. “Analisis kelayakan pemberian kredit usaha mikro dalam upaya mengantisipasi terjadinya kredit bermasalah (studi kasus pada PT. BANK RAKYAT INDONESIA unit Sawojajar)”, Malang, 2017.
[12]. I.G.B. F. Anggriawan, N. T. Herawati, and I. G. A. Purnamawati, “Analisis prinsip 5C dan 7P dalam pemberian kredit untuk meminimalisir kredit bermasalah dan meningkatkan profitabilitas (studi kasus pada PT. BPR pasar umum, Denpasar)”, JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi), 2017