The Role of Integrative Approach for Enhancing Credit Union Sustainability: A Reflection on The Indonesian Credit Union Movement

Kusuma, Stephanus Eri; Sumarwan, Antonius; Kusumajati, Titus Odong

doi:10.23917/jep.v23i1.17851

Cited by 7 publications

(5 citation statements)

References 12 publications

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“…From another perspective, Hinterhuber & Liozu (2017), a competitive advantage is achieved when a company can offer consumers the same prices as its industry competitors at a reduced cost and simultaneously raise prices that match the greater value the company provides to customers through differentiation. As evidence, the two strategies recommended by Kusuma et al (2022) for attaining a competitive edge are cost reduction and distinctiveness.…”

Section: Competitive Advantagementioning

confidence: 99%

Financial management practices, competitive advantage and loan performance of selected microfinance institutions (MFIs) in Ghana

Saeed

2023

Bus Strat Dev

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This study examines how financial management practices and competitive advantage affect loan performance of microfinance institutions (MFIs) in Ghana's Ashanti Region. The research employs a cross‐sectional design with a sample of 85 Ashanti Region MFIs, following Krejcie and Morgan's guidelines for sample selection. Employing a positivist approach with quantitative analysis, primary data comes from closed‐ended questionnaires given to Credit Directors, Credit Department, and Risk Managers, selected randomly from staff lists. Results reveal financial management practices significantly impact loan performance and competitive advantage. However, competitive advantage, under controlled conditions, does not significantly predict loan performance. This highlights financial management's crucial role in shaping loan performance and competitive advantage in MFIs. The study suggests that sustaining growth requires Ghana's Central Bank to enforce adherence to standards for liquidity management. This research adds a fresh perspective to understanding financial management practices, competitive advantage, and loan performance in Sub‐Saharan Africa's MFIs.

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Section: Competitive Advantagementioning

confidence: 99%

Financial management practices, competitive advantage and loan performance of selected microfinance institutions (MFIs) in Ghana

Saeed

2023

Bus Strat Dev

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“…Partisipasi anggota dikatakan baik apabila sebagian besar anggota telah melakukan kewajibannya dan bertanggungjawab dalam pelaksanaan haknya [7]. Namun, jika yang terjadi adalah sebaliknya maka dapat dikatakan bahwa partisipasi anggota koperasi adalah buruk atau rendah [8]. Salah satu keberhasilan dari keberadaan koperasi adalah peranan koperasi dalam membantu permasalahan ekonomi pada bencana Pandemi Covid-19 [9].…”

Section: Pendahuluanunclassified

Analisa Korelasi Motivasi Koperasi, Manfaat Koperasi dan Kualitas Pelayanan terhadap Partisipasi Anggota

Permana

Wardani

2023

INFEB

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The existence of cooperatives is expected to be able to realize a populist economy that grows rapidly and is just and in accordance with the goals of sustainable development (SDGs). The participation of members of the Kosayu Credit Cooperative is still considered insufficient. This can be seen from the decrease in the number of members' savings and an increase in Non-Performing Loans (NPL) or members' bad loans. The purpose of this study was to determine the effect of cooperative members' motivation, benefits for members, and cooperative service quality both partially and simultaneously on the participation of Kosayu Kopdit members. The population in this study were all members of the Kosayu Kopdit. From the partial hypothesis testing, it is known that the cooperative motivation variable has a positive effect of 16.4%, the member benefits variable has an effect of 36.2%, and the service quality variable has an effect of 21.7% on the participation of Kosayu Kopdit members. While simultaneously, the variables of motivation to cooperate, the variables of benefits for members, and the variables of service quality jointly affect member participation by 40.4% and the remaining 59.6% is influenced by other factors.

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“…In addition, they often lack the human resources necessary for efficient management, leading to problems with a variety of governance systems and levels of discipline in their implementation. Coordination between related parties in credit union management is weak, and many credit unions focus on the financial aspect of the business instead of on empowerment (Kusuma et al, 2022). The challenges facing small credit unions include the cost of technology, board leadership engagement with management, limited member growth, income, healthcare costs, and increasing overall costs (Credit Union National Association, 2021).…”

Section: Challenges Of Cooperative Credit Unionmentioning

confidence: 99%

The Management Guidelines to Strengthen the Education and Knowledge of Members of a Cooperative Credit Union in South Thailand

Chaiyapong,

Dhammasaccakarn,

Chuaboon

et al. 2023

JEL

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The aim of this paper is to study the key points of managing cooperative credit unions in south Thailand and how to strengthen the education and knowledge of the management team, staff and members. This paper is based on a qualitative method via in-depth interviews and a focus group with members and committees of cooperative credit unions in south Thailand; data were analyzed using content and descriptive analysis. Results showed that the most problematic issue is a lack of transparency in the management and patronage systems, leading to corruption. In addition, the key points for developing guidelines for this type of credit union include members’ understanding and knowledge about the objectives of the cooperative system; updated regulations and legal measures concerning a deposit protection system; revised rules and regulations for loan policies, human resources, and information technology; government policies for strengthening cooperative credit unions; and allocating more budget to educate their staff and members, such as a training course and a visit to another cooperative credit union. In addition, the Cooperative Promotion Department and Cooperative Auditing Department of Thailand should improve the law and auditing method to strengthen and clarify the organization’s operations.

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The Role of Integrative Approach for Enhancing Credit Union Sustainability: A Reflection on The Indonesian Credit Union Movement

Cited by 7 publications

References 12 publications

Financial management practices, competitive advantage and loan performance of selected microfinance institutions (MFIs) in Ghana

Financial management practices, competitive advantage and loan performance of selected microfinance institutions (MFIs) in Ghana

Analisa Korelasi Motivasi Koperasi, Manfaat Koperasi dan Kualitas Pelayanan terhadap Partisipasi Anggota

The Management Guidelines to Strengthen the Education and Knowledge of Members of a Cooperative Credit Union in South Thailand

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