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All Journal Jurnal Ekonomi Daerah (JEDA) Proceeding International Conference on Information Technology and Business International conference on Information Technology and Business (ICITB) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Sosio Konsepsia Naditira Widya SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Primanomics : Jurnal Ekonomi & Bisnis Sebatik SEIKO : Journal of Management & Business KACANEGARA Jurnal Pengabdian pada Masyarakat Jurnal Pendidikan Ekonomi (JURKAMI) Jurnal Litbang: Media Informasi Penelitian, Pengembangan dan IPTEK PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat GERVASI: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Wahana Bhakti Praja Jurnal Ilmiah Ekonomi Global Masa Kini Jurnal Administrasi dan Manajemen Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI RISTEK : Jurnal Riset, Inovasi, dan Teknologi Kabupaten Batang JURNAL LENTERA BISNIS Abdi Wiralodra : Jurnal Pengabdian Kepada Masyarakat Valid Jurnal Ilmiah JURNAL PENELITIAN SEJARAH DAN BUDAYA Business, Economics and Entrepreneurship JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan Diseminasi : Jurnal Pengabdian kepada Masyarakat J-3P (Jurnal Pembangunan Pemberdayaan Pemerintahan) Community Development Journal: Jurnal Pengabdian Masyarakat Cendekia Niaga Yumary: Jurnal Pengabdian kepada Masyarakat Jurnal Borneo Akcaya : Jurnal Penelitian dan Pengembangan Pelayanan Publik ABDI MOESTOPO: Jurnal Pengabdian pada Masyarakat International Journal of Multi Discipline Science (IJ-MDS) Jurnal Ekonomi Humantech : Jurnal Ilmiah Multidisiplin Indonesia Salus Cultura: Jurnal Pembangunan Manusia dan Kebudayaan Jurnal Pengabdian Kepada Masyarakat Abdi Putra Jurnal Inovasi Pembangunan COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat Indonesian Community Journal RISTEK: Jurnal Riset, Inovasi dan Teknologi Kabupaten Batang ETAM: Jurnal Pengabdian kepada Masyarakat Jurnal Pengabdian Masyarakat Bhinneka Journal of Artificial Intelligence and Digital Business Indo-Fintech Intellectuals: Journal of Economics and Business AMMA : Jurnal Pengabdian Masyarakat Jurnal Pengabdian Bukit Pengharapan Naditira Widya JEBA PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Jurnal Ilmu Administrasi dan Pemerintahan Indonesia
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Institut Shanti Bhuana
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Journal : JEBA

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Effect of Outstanding Credit Volume, Loan to Deposite Ratio, Loan Interst Rate On Credit Union Return On Assets In Indonesia Sabinus Beni; Windhu Putra; Nurul Bariyah
Journal of Economic and Business Analysis Vol. 1 No. 1 (2023): June
Publisher : Business Finence Analyst Co.,

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Abstract

This study aimed to analyze the factors that affect Non-Performing Loan (NPL) risk in credit unions and factors that affect Return On Assets (ROA) in cooperatives. The study found that credit unions could minimize NPL risk by utilizing social networks according to the theory of social capital, and by ensuring that management and members share the same goals in managing credit risk according to the agency theory. The microfinance theory suggests that credit unions should provide appropriate financing. Multiple linear regression analysis indicated a significant influence of Loan to Deposit Ratio and Loan Interest Rate on ROA. Thus, credit unions should consider the use of deposit funds and set appropriate interest rates to increase ROA and strengthen member relationships. In managing credit risk, credit unions can utilize the theories of social capital, agency, and microfinance.
Co-Authors Amelia Priska Asmara Aprianti, Serli Bella Ghia Dimmera Benedikta Kiky Puspitasari Cecep, Kristianus Clara, Novelni Claudius Lisias Dedy Dedy Dedy dedy dedy, dedy Dela Salirta Dian Sasmitha Efri Yelis Yeni Ekalaya, Nadia Ekalaya Eligia Monixa Salfarini Elisabet Elisabet Elisabet Elisabet, Elisabet Erianti Enji Friska Febrianti Gudiato, Candra Hapsari, Veneranda Rini Herry Sanoto Itok Juniarti Nilviana Kikky Vuspitasari, Benedhikta Kusnanto Kusnanto kusnanto kusnanto Lenti, Marsela Lisa Lisa Lisa Lisa, Lisa Listra Frigia Missianes Horhoruw Manggu, Blasius Maria Angela Siokalang Mathaso, Ivan Batu Maya Sari Maya Sari Nadia Ekalaya Ekalaya Nani Curapwati Nilviana, Juniarti Nobila, Astri Noverista Novelni Clara Nurul Bariyah Oktoberni, Oktoberni Pebria Dheni Purnasari Pebria Dheni Purnasari Purnasari, Pebria Dheni Puspitasari, Benedhikta Kikky Ricardus Rissa Ayustia rosalia rosalia Rosalia Rosalia Salfarini, Eligia Monixa Salirta, Dela Sasmitha, Dian Savira, Bela Sensusiana Sensusiana Shanti, Shanti Veronica br Siahaan Shella Aprilia Silvester Silvester Silvester, Silvester Sira Albina Sugianto, Helena Anggraeni (Reni) Tjondro Thomas Aquino Thomas, Shanti Tomas Aquino Totok Victor Didik Saputro Triana, Triponia Ega Usman Usman Usman Usman Usman Vely Vely Vely, Vely Veneranda Rini Hapsari Vera Vuspitasari, Benedhikta Kikky Winda Lidia Lumbantobing Windhu Putra Yeremia Niaga Atlantika Yosefa Sufiana, Hildegardis Yosua Damas Sadewo Yosua Damas Sadewo Yosua Damas Sadewo