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The Factors that Influence the Loan Repayments of Credit Union Members and Performance Analysis on Credit Union Rasyidi, Achyar; Firdaus, Muhammad; Sasongko, Hendro
BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi Vol. 22, No. 1
Publisher : UI Scholars Hub

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Abstract

Takera Credit Cooperative has a high level of non-performing loans (NPL) at 6.60 percent with greater emphasis on financial aspects in measuring its performance. The purpose of this study includes: (1) To analyze the factors that influence the loans repayments of the members of Takera Credit Cooperative to decrease NPL below 5 percent, (2) To evaluate the performance of Takera Credit Cooperative based on the Balanced Scorecard approach, (3) To formulate the alternative policy that become priority in improving the management performance of Takera Cooperative Credit. This research paper uses the case study approach on the factors that influence the loans repayments of the members, which is analyzed using logistic regression and descriptive analysis. The performance of Takera Credit Cooperative is analyzed with AHP in weighting scoring criteria on BSC perspective. The results of this study are: (1) Loans is given to the members in the group with a "common bond". To conduct financial literacy and monitoring members whose age are above 30 years with low income, but with high loans ceiling and interests rate. Maximizing profits from lending and investment assets. (2) Encouraging members to meet obligations and utilize products. To provide rewards for active members. To create a database of members, To employ special staff for financial counseling and marketing. (3) Revising the Standard Operational Procedure on management of loans risk. Providing shuttle service for savings and loan installments. (4) To the competence of staff for education, training, and mentoring. To provide access to the staff to the strategic information through the use of management information system technology. To create individual staff performance agreement form and developing remuneration packages.
Sintesis Molibdenum Oksida Berpenyangga Silika sebagai Katalis pada Reaksi Oksidasi Etanol Menjadi Asetaldehida Rasyidi, Achyar; Hasfita, Fikri
Jurnal Rekayasa Kimia & Lingkungan Vol 10, No 3 (2015): Jurnal Rekayasa Kimia & Lingkungan
Publisher : Chemical Engineering Department, Syiah Kuala University, Banda Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23955/rkl.v10i3.3066

Abstract

Oksidasi etanol membentuk asetaldehida dengan menggunakan katalis molibdenum oksida berpenyangga silika oksida telah dilakukan. Preparasi katalis dilakukan dengan metode impregnasi dengan rasio Mo : Si 1 : 1, 3 : 1, 6 : 1, 9 : 1. Karakterisasi katalis dilakukan menggunakan X-Ray Difractometer (XRD). Hasil identifikasi menunjukkan bahwa komponen katalis yang telah dibuat mengandung kristal MoO3 dan SiO2. Uji kinerja katalis dilakukan terhadap reaksi oksidasi etanol menjadi asetaldehida. Reaksi oksidasi dilangsungkan dalam reaktor pipa lurus berunggun tetap yang beroperasi pada suhu 200oC, 225oC, 250oC, 275oC, 300oC, 325oC, dan 350oC pada tekanan atmosfir. Hasil uji kinerja menunjukkan bahwa konversi tertinggi diperoleh sebesar 91,99% pada temperatur 350oC menggunakan katalis dengan rasio Mo : Si = 9 : 1. Selektivitas tertinggi diperoleh sebesar 89,10% pada temperatur 200oC dengan rasio Mo : Si = 9 : 1. Yield tertinggi diperoleh sebesar 74,80% pada temperatur 350oC pada katalis dengan rasio Mo : Si = 9 : 1.