Analisis Struktur Equation Modelling Studi Kredit Koperasi Pasar Rukun Agawe Santosa Kranggan Provinsi D.I.Yogyakarta
DOI:
https://doi.org/10.26486/jpsb.v5i1.327Abstract
Keberadaan Usaha Mikro Kecil dan Menengah (UMKM) menjadi salah satu pilar utama penggerak perekonomian di Yogyakarta. Imbas perekonomian yang membaik, tampaknya turut mendukung perkembangan UMKM yang menjadi salah satu ciri khas perekonomian di DIY. Namun demikian penyaluran kredit koperasi terhadap UMKM masih rendah hal ini disebabkan beberapa hal yaitu masih terbatasnya informasi berkaitan UMKM, tingginya resiko UMKM dan tingginya bunga kredit yang disebabkan perkoperasian/koperasi belum efisien, target profit yang harus dicapai dan adanya mekanisme price leader dan price follower.
     Metode penelitian ini diantaranya adalah Metode Sampling, Variabel Penelitian, Teknik Pengumpulan Data dan pengolahan menggunakan Metode Analisa Data (SEM).
     Hasil penelitian yang telah dilakukan terhadap koperasi RAS bahwa suku bunga berpengaruh pada kredit dengan α = 1%, dimana koefisiennya 0.039 artinya kenaikan satu satuan suku Bunga maka akan berpengaruh 0.039 satuan minat kredit, Informasi berpengaruh pada kredit dengan α = 1%, dimana koefisiennya 0.039 artinya setiap kenaikan satu satuan Informasi maka akan berpengaruh sebesar 0,039 satuan minat kredit, Lokasi berpengaruh pada kredit dengan α = 1%, dimana koefisiennya 0.066 artinya setiap kenaikan satu satuan Lokasi maka akan berpengaruh sebesar 0,066 satuan minat kredit, Jaminan berpengaruh pada kredit dengan α = 1%, dimana koefisiennya 0.059 artinya setiap kenaikan satu satuan Jaminan maka akan berpengaruh sebesar 0,059, Administrasi berpengaruh pada kredit dengan α = 1%, dimana koefisiennya 0.067 artinya setiap kenaikan satu satuan Administrasi maka akan berpengaruh 0.067.References
Azwar,S., Reliabilitas dan Validitas (cetakan Edisi III), Yogyakarta: Pustaka Pelajar, 2003
Bollen, K. A., and R. A. Stine. (1992), Bootstrapping goodness-of-fit measures in structural equation models. Sociological Methods and Research 21 (2): 205-229.
Browne, M. W. (1982), Covariance Structures, in Topics in Applied Multivariate Analysis, edited by D.M. Hawkins. New York: Cambridge University Press.
Byrne, B. M. (2001), Structural Equation Modelling with AMOS: Basic Concepts, Applications, and Programming, Mahwah New Jersey: Lawrence Erlbaum Associates Inc.
Coakes, S. J., L. Steed, and J. Price. (2008), SPSS Version 15.0 for Windows: Analysis Without Anguish, 1st ed. Milton, Qld: John Wiley & Sons Australia, Ltd.
Cunningham, E. (2008), A Practical Guide to Structural Equation Modelling Using AmosTM. Melbourne: Statsline
Gravetter, F., and L. Wallnau. 2000. Statistics for the Behavioural Sciences, 5th Edition, Belmont, CA: Wadsworth.
Hair, J. F. Jr., W. C. Black, B. J. Babin, R. E. Anderson and R. L. Tatham. 2006. Multivariate Data Analysis, 6th Edition, New Jersey: Prentice Hall, Pearson Education, Inc.
Hayduk, L. A. 1987. Structural Equation Modelling with LISREL: Essential and Advances, Baltimore, Maryland: The John Hopkins University Press.
http://mutiaralumpur.blogspot.com/2012/11/pengaruh-tingkat-bungaterhadap.html#ixzz2JWZ sv USv
http://www.artikata.com/arti-366271-jaminan.html
Jöreskog, K. G. 1969. A general approach to confirmatory maximum likelihood factor analysis. Psychometrika 34 (2): 183-202.
Julie Rowbotham, (2001) "Location, Location, Location", Aslib Proceedings, Vol. 53 Iss: 2, pp.58 - 61)
Kerlinger, F. N., and H. B. Lee. (2000), Foundations of behavioral research, 4th Edition, United States of America: Wadsworth Thomson Learning, Inc.
Kline, R. B. (2005), Principle and practice of structural equation modelling. Second Edition, New York: The Guilford Press.
Kompas, 2003. Upaya Meningkatkan Aksesibilitas UMK Terhadap Perbankan, 11 Desember 2003.
Raymond A.K. Cox, Rose M. Prasad, (1995) "Bank Competitiveness In The Face Of Interest Rate Risk", Competitiveness Review: An International Business Journal Incorporating Journal Of Global Competitiveness, Vol. 5 Iss: 2, Pp.84 – 89)
Sekaran, U. (2010), Research methods for business: A skill building approach, 6th Edition, United States of America: John Wiley and Sons, Inc.
Sharon Mavin, Gina Grandy, (2012) "Doing gender well and differently in management", Gender in Management: An International Journal, Vol. 27 Iss: 4, pp.218
Sukarmi et all, 2008, Strategi Komunikasi Dalam Rangka Meningkatkan Kesadaran Tentang Hak Hak Nasabah Perbankan Di Jawa Timur, Malang, Lembaga Riset Perbankan Universitas Brawijaya.
Terry Lane, (1995) "Patterns of thinking in educational administration", Journal of Educational Administration, Vol. 33 Iss: 1, pp.63 - 78).
Wothke, W. (1993), Nonpositive definite matrices in structural modelling, in Testing Structural Equation Models, edited by K. A. Bollen, and J. S. Long, pp. 256-293. Newbury Park, CA: Sage
Downloads
Published
Issue
Section
License
Authors who publish with (JPSB) Jurnal Perilaku dan Strategi Bisnis agree to the following terms:
Authors retain copyright and grant the JPSB right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY-SA 4.0) that allows others to share (copy and redistribute the material in any medium or format) and adapt (remix, transform, and build upon the material) the work for any purpose, even commercially with an acknowledgement of the work's authorship and initial publication in JPSB. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in JPSB.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).