Authors:
Oyong Lisa
1
and
Bambang Hermanto
2
Affiliations:
1
Universitas Gajayana Malang, Indonesia
;
2
Politehnik LP3I Jakarta, Indonesia
Keyword(s):
Cooperative Size,
Net Profit Margin,
Number Of Members,
Financing Risk
Abstract:
Financing plays an important role for cooperatives in channelling funds to the public or companies, conducted through a process of financing feasibility analysis to the realization of funds disbursement. This study aims to analyse the effect of the cooperative measure, net profit margin, leverage, and a number of members simultaneously to financing risk, and to analyse the effect of cooperative measure, net profit margin, leverage and partial member amount to financing risk. This research is included in the type of explanatory research. The number of samples in this study is 74 Sharia Cooperatives. The analysis technique used multiple regression analysis. The results showed that the size of cooperatives, net profit margin, leverage and the number of members simultaneously to financing risk. The size of cooperatives, net profit margin, leverage and the number of members partially to financing risk. In order to save Sharia cooperatives from financing risk and help customers to complete
their obligations, sharia cooperatives can restructure through rescheduling, reconditioning restructuring. If the three restructuring efforts are unsuccessful, the sharia cooperative can settle the financing risk through confiscation of goods and settlement through litigation.
(More)