THE EFFECTIVENESS OF CREDIT SAVINGS COOPERATIVE OF WIRA KARYA JAYA COOPERATIVE, CAKUNG DURING PERIOD JANUARY 2007 – DECEMBER 2009

Abstract

At this time, Indonesia was struggled to rise from the economic crisis, political and social. Many corporate bankruptcies and rising unemployment that have an impact on the poverty rate increased. Cooperative also experienced ups and downs caused by several factors, including political factors. However cooperative is an organization that is very close to the Micro Small and Medium Enterprises (MSME). Cooperation may also be utilized in the Indonesian economic recovery. This study tries to find the correlation of saving that represent voluntary saving in cooperative and loan that represent funds channeled to members toward profit the period January 2007 – December 2009. Researchers want to see the role of cooperatives in providing financial capital as a source other than bank. The profit in this study are the profit that distributed by credit savings in Wira Karya Jaya, Cakung only during the period January 2007 - December 2009. In doing the analysis, the researcher used Multi regression method because with this method could see the factors that affect the profit of the cooperative. The researcher used secondary data from credit savings cooperative. Classic assumption test, F test and T test use during the analysis. Based on the result of the analysis, the researcher can conclude that saving and loan had a close relationship to profit. It could be seen from the adjusted R2 value is 0.301 from the analysis could be known that saving has a significant to profit.