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All Journal JURNAL LENTERA BISNIS Jurnal Ilmu Manajemen dan Bisnis (JURMANIS)
Sulamiatin, Sulamiatin
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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The Influence of Member Savings and Loans on the Financial Growth of KSU Putra Daha Liang Anggang Sulamiatin, Sulamiatin; Asnan, Asnan
Jurnal Ilmu Manajemen dan Bisnis Vol. 2 No. 01 (2026): Jurnal Ilmu Manajemen dan Bisnis
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN MASYARAKAT UNIVERSITAS SAPTA MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65369/p7kcxh37

Abstract

This study aims to analyze the influence of member savings and loans on the financial growth of KSU Putra Daha Liang Anggang, South Kalimantan. The research data consists of financial reports for 2015–2017 using a purposive sampling method. The independent variables are member savings and loans, while the dependent variable is financial growth as measured by assets, capital, business volume, and Net Operating Income (SHU). The analysis used includes descriptive analysis, classical assumption tests, simple linear regression, and multiple regression. The results of the analysis show that member savings fluctuated, increasing sharply in 2016 but decreasing in 2017. Although savings increased, the cooperative's capital actually decreased, indicating the presence of other factors such as operational expenses and SHU distribution. Simple linear regression found a very strong but negative relationship between savings and capital (R² = 0.99; coefficient –0.378). Multiple regression analysis proves that savings and loans have a significant simultaneous effect on cooperative financial growth with an R² of 0.82. The study confirms that member savings and loans are important components for cooperative growth, but their success is influenced by the effectiveness of credit risk management and operational efficiency. Therefore, strategies for collecting savings, improving loan management, and controlling operational costs need to be improved to support the sustainable growth of cooperatives.
STRATEGI PENGEMBANGAN SUMBER DAYA MANUSIA DALAM MENINGKATKAN DAYA SAING ORGANISASI Asnan, Asnan; Sulamiatin, Sulamiatin
JURNAL LENTERA BISNIS Vol. 15 No. 2 (2026): JURNAL LENTERA BISNIS, Mei 2026
Publisher : POLITEKNIK LP3I JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34127/jrlab.v15i2.2254

Abstract

Human resource development plays an important role in improving organizational performance and competitiveness in an increasingly competitive global environment. Organizations are required to have competent, innovative, and adaptive human resources to respond to dynamic business changes. This study aims to analyze the concept of human resource development, examine strategies for developing human resources, and identify their role in enhancing organizational competitiveness. This research uses a qualitative approach with a literature review method. The data used are secondary data obtained from textbooks, scientific journal articles, and research reports related to the topic. Data collection was carried out through documentation studies, while the analysis employed descriptive qualitative techniques by reviewing and synthesizing relevant theories. The results show that human resource development contributes to improving employee competence, productivity, organizational innovation, and employee commitment. Strategies such as training programs, career development, performance management systems, and strengthening organizational culture can support the development process. Effective implementation of these strategies can improve product and service quality, increase operational efficiency, and enhance customer satisfaction. Therefore, human resource development becomes an important factor in creating sustainable organizational competitiveness.
Co-Authors Asnan, Asnan