EVALUATION OF HEALTH THE LEMBAGA PERKREDITAN DESA (LPD) IN THE KLUNGKUNG REGENCY

TESIS

Abstract

By : I Dewa Gede Agustina, SE

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Faculties : Fakultas Ekonomi dan Bisnis

Department : S2 Magister Manajemen

Lembaga Perkreditan Desa is one of institution element have the financial fungtion of the Desa Pakraman that to manage the financial potential desa pakraman.This institution has the potential and has been proven in advancing the walfare of rural communities and meet the interests of the village itself. Its deemed necessary to research and evaluate the health of Lembaga Perkreditan Desa in Klungkung Regency consist of Dawan District, Klungkung District and Banjarangkan District.The aim of this research is to know and evaluate the health of Lembaga Perkreditan Desa in Klungkung Regency consist of Dawan District, Klungkung District and Banjarangkan District by using CAMEL methode in periode 2014 until 2016 in accordance with the Bali Provincial Regulations number 4 in 2012 and Governor Regulation Number 11 in 2013 On this study used descreptive design. This study will research the health of Lembaga Perkreditan Desa in Klungkung Regency with the CAMEL methode in partial and comprehensif with secondary data in 2014 until 2016 . The population of 55 Lembaga Perkreditan Desa in Klungkung Regency with the samples of 18 Lembaga Perkreditan Desa. The sampling methode with purposive sampling and using kualitatif deskreptif analisis teknik. Of the 18 samples analyzed with partial in 2014, the capital as many as 100 % LPD have a low risk, Kualitas Aktiva Produktif indikator as many as 44 % have a risk of being, 61.11 % have low risk. Loan reserve 17 % have hig risk, 17 % have a risk of being and 67 % have low risk. The other indikator such as return on assets, ROA, BOPO, Likuiditas and Loan to Deposit ratio in 2014 have low risk. In 2015, the capital as many as 100 % LPD have a low risk, Kualitas Aktiva Produktif indikator as many as 39 % have a risk of being, 61 % have low risk. Loan reserve 22 % have hig risk, 11 % have a risk of being and 67 % have low risk. The other indikator such as return on assets, ROA, BOPO, Likuiditas and Loan to Deposit ratio in 2015 have low risk. In 2016, the capital as many as 100 % LPD have a low risk, Kualitas Aktiva Produktif indikator as many as 17 % have a risk of being, 78 % have low risk and 6 % have hig risk. Loan reserve 17 % have hig risk, 22 % have a risk of being and 61 % have low risk. The other indikator such as return on assets, ROA, BOPO, Likuiditas and Loan to Deposit ratio in 2016 have low risk. of the 18 samples anlyzed with comprehensif in 2014 Lembaga Perkreditan Desa in Klungkung regency as many as 11 % have sufficient conditions , and 89 % have good conditions. In 2015 Lembaga Perkreditan Desa in Klungkung Regency as many as 28 % have sufficient conditions and 72 % Lembaga Perkreditan Desa have good conditions. In 2016 Lembaga Perkreditan Desa in Klungkung Regency as many as 89 % have good conditions and 22 % have sufficient conditions. The likuiditas indikator of Lembaga Perkreditan Desa in Klungkung Regency have good performance and there are problem just in loan departement which atention when the analis kredit have good prinsiple that kualitas kredit is more importen than quantitas kredit. The analis kredit must attend analis kredit educationt which are held by Lembaga Perkreditan Desa Builders. Whit kuantitaif teknik or common sense edukation. And also the role Badan Kerjasama LPD (BKS) must be enhanced in funding and lending inter Lembaga Perkreditan Desa.

Keyword : the health of lembaga perkreditan desa, camel

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