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All Journal Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA)
Mohamad Sukarno
Fakultas Ekonomi Ilmu Sosial dan Humaniora - Universitas ’Aisyiyah Yogyakarta
Economics, Econometrics & Finance

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Pengaruh Prioritas Pengeluaran terhadap Kepatuhan Pembayaran Pinjaman pada Program Simpan Pinjam Tani di Kalurahan Jetis Kabupaten Gunungkidul 2024 - 2025 Anggita Indraswari Kusuma; Althafia Ghazy Davriasya; Ana Rostanti; Jeni Indrianti; Suyatno Suyatno; Mohamad Sukarno
Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) Vol. 5 No. 1 (2026): April 2026
Publisher : STIE PENA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34152/dwjde395

Abstract

This study examines the effect of expenditure priority on loan repayment compliance in the farmer savings and loan program at Bina Usaha Tani cooperative, Jetis Village, Gunungkidul Regency, during 2024-2025. The research focuses on how primary, secondary, and tertiary needs influence the timeliness of loan repayment among farmer members. Quantitative approach with a survey method was employed. Data were collected from 60 cooperative members using questionnaires and analyzed using multiple linier regressions with SPSS. The results indicate that primary, secondary, and tertiary expenditure priorities do not have a significant partial effect on loan repayment timeliness. These findings suggest that delays in loan repayment are not solely determined by household expenditure priorities, but may be influenced by other factors such as unstable income, crop failure risks, and financial management capacity. Additionally, the study found limitations in the validity and reliability of the research instruments, indicating the need for improvement in future studies. Strengthening financial assistance and applying more comprehensive loan assessments are recommended to enhance repayment compliance.Keywords: Expenditure Priority, Loan Repayment Timeliness, Farmer Savings and Loan Program, Cooperative, Rural Finance
Co-Authors Althafia Ghazy Davriasya Ana Rostanti Anggita Indraswari Kusuma Jeni Indrianti Suyatno Suyatno