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All Journal Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Journal of Business Management Education (JBME) Journal of Entrepreneurship & Business
Titus Odong Kusumajati
Faculty Of Economics, Sanata Dharma University, Yogyakarta, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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Analisis Skala Ekonomi dalam Kerangka Optimalisasi Kinerja Credit Union Indonesia Kusumajati, Titus Odong
Journal of Business Management Education (JBME) Vol 6, No 3 (2021)
Publisher : Business Education Program of Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jbme.v6i3.39083

Abstract

This research aims at revealing the level of economies of scale of Credit Union in Indonesia, whether it is increasing return to scale, constant return to scale, or decreasing return to scale. It is a quantitative research in nature using multiple regression technique for data analysis. Data of this research was collected from the database of BKCU Kalimantan. Model presented and tested in this research was adapted from the cost function model of Benston-Bell-Murphy previously derived from Cobb-Douglass production function, adjusted to the condition of data of Credit Union in Indonesia which is characterized by limited data availability. The analysis found model applies for the case of Indonesia is Log C = 0.415 + 0.917 Log Q + 0.098 Log Pi + µ. In general, the model shows that the operational costs of Credit Union in Indonesia is influenced by the amount of credit distributed and the orientation of involvement of Credit Union member in the core business of Credit Union. Further, since the coefficient of b1 is less than 1 (b11), it can be concluded that the level of economies of scale of Credit Union in Indonesia is increasing return to scale. 
The Role of Integrative Approach for Enhancing Credit Union Sustainability: A Reflection on The Indonesian Credit Union Movement Stephanus Eri Kusuma; Antonius Sumarwan; Titus Odong Kusumajati
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 23, No 1 (2022): JEP 2022
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v23i1.17851

Abstract

Most Indonesian credit unions still focus on providing financial services, paying less attention to the roles of credit unions in education, empowerment and flourishing social solidarity of their members. This condition makes credit unions hardly compete with other microfinance providers in Indonesia. While threatening their sustainability prospect, this condition also reduces the capacity of credit unions to empower their members. Inspired by the maximalist approach and the Ledgerwood’s system framework, we suggest an integrative approach for credit union services that is empowered by the optimization of network collaboration.
The Meaning of Money and Its Influence on Decision To Take A Loan: Study on Members of Credit Union Hartanti, Fransisca Emi; Kusumajati, Titus Odong
Journal of Entrepreneurship & Business Vol. 6 No. 1 (2025): Journal of Entrepreneurship and Business (February)
Publisher : Program MM Universitas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24123/jeb.v6i1.6705

Abstract

Purpose: This study aims to elaborate on how credit union members perceive money and how these perceptions inform the decision made before applying for a loan from a credit union. Method: The study employed grounded theory as its methodology. Data were obtained from in-depth, semi-structured interviews and observations involving ten members of a credit union in Indonesia. This research's respondents are divided into two types: the first lists respondents who actively borrow (five respondents), and the second lists those who do not (five respondents). Result: The study shows two categories in which money is perceived: money as a resource and money as a source of emotions. The study further found that six key factors inform the decision to apply for a loan. Past experiences (1) contribute to the meaning of money (2) and perceptions toward loans (3). Further, pressing needs (4) not accompanied by financial strength (5) to finance them result in motives for procuring loans. With access to loans (6), motives can turn into an action of taking out a loan. Based on the findings, Credit unions should perform a thorough analysis to identify pressing needs among their members and evaluate the access to loans regarding their capacity to fulfill the members' needs. Furthermore, loans should be conveyed as a means to achieve financial goals and improve the members' quality of life.
Co-Authors Antonius Sumarwan Hartanti, Fransisca Emi Stephanus Eri Kusuma