Kinerja Lembaga Perkreditan Desa (LPD) Adat Demayu Desa Singakerta Kecamatan Ubud Kabupaten Gianyar

Abstract

Performance of Village Credit Instituion (LPD) of Demayu
Singakerta Village Ubud District Gianyar Regency

The Village Credit Institution (LPD) of Demayu is an institution that plays a role in
the economy of the Indigenous Village of Demayu and as one of the financial
institutions in rural agriculture. The development and progress of Village Credit
Institutions can be seen through some of the performance namely the financial and
the management performances. The purpose of the study was to determine the
financial performance by using the profit-oriented ratio of financial institutions and
the management performance of the Village Credit Institution (LPD) of Demayu in
terms of internal and external aspects. The analytical method used to assess the
financial performance was conducted by using profit-oriented ratio analysis of
financial institutions while the assessment of the management performance can be
seen from two aspects, i.e. the internal and the external performances. Internal
performance can be analyzed from the employee satisfaction aspect and the external
performance can be seen from the customer satisfaction aspect as measured by Likert
scale. Based on the findings of the research, it can be concluded that the Village
Credit Institution (LPD) of Demayu financial performance evaluated from current
ratio, debt to asset ratio, total asset turnover were in very unfit category, while the net
profit margin was fit. The management performance in terms of internal aspect
obtained an overall average score of 3,97% that categorized as satisfied while the
performance of management in terms of external aspects obtained an overall average
score of 4.09% that is also categorized as satisfied . Suggestions that can be given:
the Village Credit Institution (LPD) of Demayu should further foster their own
capital so that assets increase without increasing the debt; one of them is by way of
increasing credit distribution activities to the community, for performance
management in terms of internal aspects, the management should more often
communicate and interact with employees, for the management performance viewed
from the external aspect, the management should pay more attention and improve the
quality of service, and every activity carried out on the Village Credit Institution
(LPD) of Demayu should be more emphasized on the concept of Tri Hita Karana.