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"Tesis ini membahas proses penguatan institusi pemberdayaan ekonomi perempuan miskin melalui kooperasi simpan pinjam perempuan suara ibu peduli di kelurahan cilandak barat, kalibata, dan pejaten timur jakarta selatan. Penelitian ini bersifat kualitatif deskriptif dengan metode PRA dan analisis SWOT. tujuan penelitian ini adalah mengetahui faktor yang mempengaruhi perbedaan perkembangan koperasi, faktor penunjang, dan penghambat koperasiserta strategi pemberdayaan yang tepat untuk pengembangan koperasi.Hasil penelitian menympulkan bahwa diperlukan tindakan penguatan kelompok untuk meningkatkan kualitas koperasi suara ibu peduli di kelurahan Cilandak Barat, sedangkan koperasi suara ibu kelurahan Kalibata dan Pejaten timur memerlukan penguatan sistem kaderisasi guna pengembangan kelompok koperasi.

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This thesis discusses the process of strengthening the institutions of economic empowerment of poor women through savings and loan cooperation for women who care about mothers in the West Cilandak Village, Kalibata, and Pejaten Timur South Jakarta. This research is qualitative descriptive with the PRA method and SWOT analysis. The purpose of this study was to determine the factors that influence the differences in the development of cooperatives, supporting factors, and inhibitors of cooperatives and empowerment strategies that are appropriate for cooperative development.

The results of the study concluded that group strengthening actions were needed to improve the quality of maternal voice cooperatives in the West Cilandak village, while the mother voice cooperative in Kalibata and East Pejaten needed a strengthening of the regeneration system for the development of cooperative groups."

"Skripsi ini membahas mengenai operasional dan mekanisme pinjaman pada koperasi simpan pinjam yang berbasis syariah serta pengaturan yang dilakukan oleh peraturan perundang-undangan Indonesia terhadap koperasi simpan pinjam yang berbasis syariah. Pemilihan topik penelitian mengenai koperasi simpan pinjam syariah ini dilatarbelakangi oleh adanya fakta bahwa sistem ekonomi syariah dan koperasi memiliki keunggulan dari sistem ekonomi dan badan usaha lain, yakni tahan terhadap krisis ekonomi global. Penelitian ini merupakan penelitian kualitatif dengan desain deskriptif. Hasil penelitian ini menjelaskan mengenai pengaturan dari peraturan perundang-undangan Indonesia terhadap koperasi simpan pinjam berbasis syariah, operasional yang sesuai dengan prinsip-prinsip syariah bagi koperasi dikaitkan dengan praktik dalam koperasi simpan pinjam syariah Berkah Madani, dan kesesuaian mekanisme pinjaman dari koperasi simpan pinjam syariah Berkah Madani dengan prinsip-prinsip syariah.

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This essay talks about operation and mechanism of loan that distributes by sharia based financial cooperative also the regulation made ​​by the Indonesian legislation of sharia based financial cooperative. The selection of research topics on sharia financial cooperative was motivated by the fact that sharia economic system and cooperative have the advantage of economic system and other business entities, which are resistant to the global economic crisis. The study is a qualitative with descriptive design.

The result from this essay will explain about regulation on sharia financial cooperative that applies in Indonesia also the suitability of sharia financial cooperative Berkah Madani operation and loan mechanism with Indonesian regulation and the sharia principles."

"Tulisan ini menganalisis pembatalan perdamaian (Homologasi) ditinjau dari syarat utang sederhana yang terjadi pada koperasi simpan pinjam dalam Putusan No. 49/Pdt.Sus-Pembatalan Perdamaian/2022/PN Niaga Jkt Pst. Tulisan ini disusun dengan menggunakan metode doktrinal. Pembahasan dalam penelitian ini difokuskan pada mekanisme permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) pada koperasi berdasarkan UU Kepailitan dan PKPU dan perbandingannya setelah diterbitkannya SEMA No. 1 Tahun 2022, serta analisis pembatalan perdamaian (Homologasi) pada koperasi simpan pinjam ditinjau dari syarat utang sederhana. Hasil penelitian menunjukkan bahwa mekanisme permohonan PKPU terhadap koperasi sama dengan mekanisme yang telah diatur dalam UU Kepailitan dan PKPU. Namun, setelah diterbitkannya SEMA No. 1 Tahun 2022, permohonan pernyataan pailit dan PKPU hanya dapat diajukan oleh Menteri Koperasi sebagai Menteri yang membidangi perkoperasian. Tujuan utama dari dilaksanakannya PKPU adalah untuk mencapai suatu perdamaian. Dalam Putusan No. 49/Pdt.Sus-Pembatalan Perdamaian/2022/PN Niaga Jkt Pst., permohonan pembatalan perdamaian diajukan oleh 2 (dua) anggota KSP Pracico Inti Sejahtera dengan alasan KSP Pracico Inti Sejahtera selaku debitor telah lalai dalam melaksanakan perjanjian perdamaian. Majelis Hakim menolak permohonan pembatalan perdamaian karena pembuktian tidak dapat dilakukan secara sederhana. Hal ini dikarenakan terdapat perbedaan penafsiran antara debitor dan kreditor mengenai besaran cicilan yang harus dibayarkan pada setiap periode sebagaimana diatur dalam Perjanjian Perdamaian (Homologasi) tanggal 27 Januari 2021.

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This paper analyzes the annulment of reconciliation in according to act or condition which prove in a simple way requirement in savings and loan cooperative in Decision Num. 49/Pdt.Sus-Pembatalan Perdamaian/2022/PN Niaga Jkt Pst. This paper employs doctrinal research method. The discussion in this research is focused on the mechanism of application for Suspension of Payment (PKPU) in cooperative based on the Bankruptcy and PKPU Law and its comparison after the issuance of SEMA No. 1 of 2022, as well as the analysis of the annulment of reconciliation in saving and loan cooperative according to act or condition which prove in a simple way. The results showed that the mechanism of PKPU application against cooperative is the same mechanism that has been regulated in the Bankruptcy and PKPU Law. However, after the issuance of SEMA No. 1 of 2022, the application for bankruptcy and PKPU can only be submitted by the Minister of Cooperatives as the Minister in charge of cooperatives. The main objective of the PKPU is to achieve reconciliation. In Decision No. 49/Pdt.Sus-Cancellation of Peace/2022/PN Niaga Jkt Pst., the request for cancellation of reconciliation was submitted by 2 (two) members of KSP Pracico Inti Sejahtera on the grounds that KSP Pracico Inti Sejahtera as the debtor had neglected to implement the reconciliation agreement. The Panel of Judges rejected the request for cancellation of reconciliation because the proof could not be done simply. This is because there are differences in interpretation between debtor and creditors regarding the amount of installments that must be paid in each period as stipulated in the Reconciliation Agreement (Homologation) dated January 27, 2021. "

"Tulisan ini menganalisis pembatalan perdamaian (Homologasi) ditinjau dari syarat utang sederhana yang terjadi pada koperasi simpan pinjam dalam Putusan No. 49/Pdt.Sus-Pembatalan Perdamaian/2022/PN Niaga Jkt Pst. Tulisan ini disusun dengan menggunakan metode doktrinal. Pembahasan dalam penelitian ini difokuskan pada mekanisme permohonan Penundaan Kewajiban Pembayaran Utang (PKPU) pada koperasi berdasarkan UU Kepailitan dan PKPU dan perbandingannya setelah diterbitkannya SEMA No. 1 Tahun 2022, serta analisis pembatalan perdamaian (Homologasi) pada koperasi simpan pinjam ditinjau dari syarat utang sederhana. Hasil penelitian menunjukkan bahwa mekanisme permohonan PKPU terhadap koperasi sama dengan mekanisme yang telah diatur dalam UU Kepailitan dan PKPU. Namun, setelah diterbitkannya SEMA No. 1 Tahun 2022, permohonan pernyataan pailit dan PKPU hanya dapat diajukan oleh Menteri Koperasi sebagai Menteri yang membidangi perkoperasian. Tujuan utama dari dilaksanakannya PKPU adalah untuk mencapai suatu perdamaian. Dalam Putusan No. 49/Pdt.Sus-Pembatalan Perdamaian/2022/PN Niaga Jkt Pst., permohonan pembatalan perdamaian diajukan oleh 2 (dua) anggota KSP Pracico Inti Sejahtera dengan alasan KSP Pracico Inti Sejahtera selaku debitor telah lalai dalam melaksanakan perjanjian perdamaian. Majelis Hakim menolak permohonan pembatalan perdamaian karena pembuktian tidak dapat dilakukan secara sederhana. Hal ini dikarenakan terdapat perbedaan penafsiran antara debitor dan kreditor mengenai besaran cicilan yang harus dibayarkan pada setiap periode sebagaimana diatur dalam Perjanjian Perdamaian (Homologasi) tanggal 27 Januari 2021.

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This paper analyzes the annulment of reconciliation in according to act or condition which prove in a simple way requirement in savings and loan cooperative in Decision Num. 49/Pdt.Sus-Pembatalan Perdamaian/2022/PN Niaga Jkt Pst. This paper employs doctrinal research method. The discussion in this research is focused on the mechanism of application for Suspension of Payment (PKPU) in cooperative based on the Bankruptcy and PKPU Law and its comparison after the issuance of SEMA No. 1 of 2022, as well as the analysis of the annulment of reconciliation in saving and loan cooperative according to act or condition which prove in a simple way. The results showed that the mechanism of PKPU application against cooperative is the same mechanism that has been regulated in the Bankruptcy and PKPU Law. However, after the issuance of SEMA No. 1 of 2022, the application for bankruptcy and PKPU can only be submitted by the Minister of Cooperatives as the Minister in charge of cooperatives. The main objective of the PKPU is to achieve reconciliation. In Decision No. 49/Pdt.Sus-Cancellation of Peace/2022/PN Niaga Jkt Pst., the request for cancellation of reconciliation was submitted by 2 (two) members of KSP Pracico Inti Sejahtera on the grounds that KSP Pracico Inti Sejahtera as the debtor had neglected to implement the reconciliation agreement. The Panel of Judges rejected the request for cancellation of reconciliation because the proof could not be done simply. This is because there are differences in interpretation between debtor and creditors regarding the amount of installments that must be paid in each period as stipulated in the Reconciliation Agreement (Homologation) dated January 27, 2021. "

"Seiring dengan perkembangan zaman dan teknologi, kebutuhan manusia akan uang pun meningkat. Banyak cara yang dilakukan manusia untuk mendapatkan uang tambahan. Salah satu caranya adalah dengan mengajukan pinjaman baik mengajukan pinjaman pada bank umum maupun pada koperasi simpan pinjam. Skripsi ini membahas perbandigan pemberian kredit melalui bank umum dan koperasi simpan pinjam. Bank umum yang digunakan dalam penelitian ini adalah Bank Rakyat Indonesia dan koperasi simpan pinjam yang digunakan adalah koperasi Kodanua. Dalam penelitian ini dibahas mengenai pelaksanaan pemberian kredit pada Bank Rakyat Indonesia dan koperasi Kodanua dan dilihat apakah pelaksanaan pemberian kredit tersebut sudah sesuai dengan perundang-undangan yang ada atau tidak dan perbandingan antara bank umum dan koperasi simpan pinjam tersebut. Penelitian yang digunakan adalah metode penelitian hukum normatif. Hasil penelitian ini adalah pelaksanaan pemberian kredit pada Bank Rakyat Indonesia tidak bertentangan dengan peraturan perundang-undangan yang ada. Begitu pula pemberian kredit pada koperasi Kodanua. Perbandingan pemberian kredit melalui Bank Rakyat Indonesia dan koperasi Kodanua terlihat jelas dalam hal penerima kredit, banyaknya kredit yang dapat diberikan, dan penyelesaian kredit bermasalah.

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Human’s need for money increases as times and technology develops. Numerous ways are done to get extra money, amongst which is to propose credits either to public bank or saving and loan cooperative. This thesis would discuss the comparison of credit approval at public banks and saving and loan cooperative. Bank Rakyat Indonesia is used as the object of research, while Kodanua Cooperative represents the saving and loan cooperative. This research would talk about how credit approval within Bank Rakyat Indonesia and Kodanua Cooperative is conducted, whether the methods of approving credits have met the existing regulation, as well as the comparison between public bank and the saving and loan cooperative. The research is conducted through the normative legal method research. The result of this research is that the credit approval implementation at Bank Rakyat Indonesia meets the existing regulations, as well as the method of approving credits at Kodanua Cooperative. The comparison of how credits are approved at Bank Rakyat Indonesia and Kodanua Cooperative could be clearly seen from the credit recipient, the amount of credit that is given, as well as the settlement in loans dispute."

"Penelitian ini mengevaluasi kinerja koperasi simpan pinjam di Jakarta tahun 2011-2013 dengan melihat efisiensi serta profitabilitas yang digambarkan melalui Efficiency-Profitability Matrix. Pendekatan efisiensi yang digunakan adalah input oriented yaitu efisiensi dengan memaksimalisasi input dalam menghasilkan output. Efisiensi dilihat dari tiga komponen yaitu technical efficiency, pure technical efficiency dan scale efficiency sedangkan profitabilitas diukur dengan ROA. Matriks efficiency-profitability dibagi dalam empat kuadran, dimana kuadran II (stars) adalah kuadran terbaik dengan menunjukkan bahwa koperasi simpan pinjam mempunya kinerja efisiensi tinggi dan profitabilitas tinggi. Observasi kemudian dikelompokkan berdasarkan tiga komponen efisiensi. Ratarata efisiensi yang dihasilkan adalah 81,82% untuk technical efficiency, 86,54% untuk pure technical efficiency dan 80% untuk scale efficiency. Rata-rata pofitabilitas dari tahun 2011 hingga tahun 2013, adalah 13,6%, 14,08% dan 12,7%. Hasil penelitian menunjukkan bahwa best practice yang terlihat pada hasil matrks technical efficiency yaitu pada kuadrran II (stars) adalah koperasi Wadhika. Koperasi tersebut dapat menjadi acuan dalam penilaian kinerja anggota koperasi simpan pinjam PUSKOPDIT Jakarta untuk efisiensi teknis secara umum dan profitabilitas yang tinggi.

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This study evaluation performance of saving and credit cooperation in jakarta 2011-2013 by analyze efficiency and profitability which describe use efficiencyprofitability matrix. Approachment efficiency using input oriented, which mean efficiency is maximum input to create output. Efficiency assessed by three component efficiency : technical efficiency, pure technical efficiency and scale efficiency and profitability was assessed by ROA. Matrix efficiency-profitability divided into four quadrant, quadrant II (stars) is the best performance. It represent cooperatives which has high efficiency and high profitability. Observation result was grouped based on three component efficiency. Mean score of efficiency score are 81,82% for technical efficiency, 86,54% for pure technical efficiency and 80% for scale efficiency. Mean of profitability are 13,6% for 2011, 14,08% for 2012 and 12,7% for 2013. The result of study represent the best practice from matrix efficiency-profitability is Wadhika. Koperasi could be the best practice and benchmarking for performance valuation in PUSKOPDIT Jakarta for high technical efficiency which manifest efficiency generally and high profitability."

"[ABSTRAKTesis ini merupakan penelitian tentang faktor-faktor yang mempengaruhikinerja keuangan koperasi simpan pinjam primer nasional selama periode 2010-2014. Dengan metode purposive sampling, didapatkan sampel dalam penelitianini sebesar 36 selama periode 5 (lima) tahun 2010-2014 (n = 180). Instrumentberupa data sekunder dan laporan keuangan yang telah diaudit selama periodepengamatan. Dengan menggunakan teknik Weighted Generalized Least Square(GLS), hasil analisis menunjukan bahwa 91,04% (p = 0.000) kinerja keuangankoperasi simpan pinjam yang diukur menggunakan Return on Asset (ROA) dapatdiprediksi menggunakan faktor-faktor yang menjadi variabel dalam penelitian,sedangkan untuk kinerja yang dukur menggunakan Return on Equity (ROE) dapatdijelaskan sebesar 68,32% (p = 0.000). Berdasarkan hasil uji-t, penelitian ini dapatmembuktikan bahwa aspek Permodalan, Kualitas Aktiva Produktif, Kemandiriandan Pertumbuhan, dan Jatidiri Koperasi, memiliki pengaruh terhadap kinerjaKoperasi Simpan Pinjam. Sedangkan aspek Manajemen Efisiensi dan Likuiditastidak ditemukan adanya pengaruh yang signifikan.

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ABSTRACTThis thesis is a research about the factors that affect the financial performance ofprimary credit unions nationwide during the period 2010-2014. With purposivesampling method, the sample obtained in this study amounted to 36 over a periodof five (5) years 2010-2014 (n = 180). Instrument in the form of secondary dataand audited financial statements during the period of observation. By usingtechniques Weighted Generalized Least Square (GLS), the results of the analysisshowed that 91.04% (p = 0.000) the financial performance of savings and creditcooperatives are measured using the Return on Assets (ROA) can be predictedusing the factors that become variables in the study, whereas for dukurperformance using Return on Equity (ROE) can be explained by 68.32% (p =0.000). Based on t-test results, this study can prove that aspects of the Capital,Assets Quality, Independence and Growth, and the Cooperative Identity, has aninfluence on the performance of Credit Unions. While aspects of Efficiency andLiquidity Management did not reveal any significant effect;This thesis is a research about the factors that affect the financial performance ofprimary credit unions nationwide during the period 2010-2014. With purposivesampling method, the sample obtained in this study amounted to 36 over a periodof five (5) years 2010-2014 (n = 180). Instrument in the form of secondary dataand audited financial statements during the period of observation. By usingtechniques Weighted Generalized Least Square (GLS), the results of the analysisshowed that 91.04% (p = 0.000) the financial performance of savings and creditcooperatives are measured using the Return on Assets (ROA) can be predictedusing the factors that become variables in the study, whereas for dukurperformance using Return on Equity (ROE) can be explained by 68.32% (p =0.000). Based on t-test results, this study can prove that aspects of the Capital,Assets Quality, Independence and Growth, and the Cooperative Identity, has aninfluence on the performance of Credit Unions. While aspects of Efficiency andLiquidity Management did not reveal any significant effect, This thesis is a research about the factors that affect the financial performance ofprimary credit unions nationwide during the period 2010-2014. With purposivesampling method, the sample obtained in this study amounted to 36 over a periodof five (5) years 2010-2014 (n = 180). Instrument in the form of secondary dataand audited financial statements during the period of observation. By usingtechniques Weighted Generalized Least Square (GLS), the results of the analysisshowed that 91.04% (p = 0.000) the financial performance of savings and creditcooperatives are measured using the Return on Assets (ROA) can be predictedusing the factors that become variables in the study, whereas for dukurperformance using Return on Equity (ROE) can be explained by 68.32% (p =0.000). Based on t-test results, this study can prove that aspects of the Capital,Assets Quality, Independence and Growth, and the Cooperative Identity, has aninfluence on the performance of Credit Unions. While aspects of Efficiency andLiquidity Management did not reveal any significant effect]"