Analisis Pengaruh Credit Union Terhadap Persepsi Kesejahteraan Masyarakat di Desa Lingga Julu
DOI:
https://doi.org/10.59664/jded.v4i2.9113Abstract
Credit Union (CU) berperan penting dalam meningkatkan kesejahteraan ekonomi masyarakat desa ini melalui penyediaan layanan keuangan yang inklusif dan terjangkau. Penelitian ini bertujuan untuk menganalisis pengaruh persepsi masyarakat terhadap CU dan dampaknya terhadap kesejahteraan masyarakat di Desa Lingga Julu, khususnya melalui tiga faktor utama: persepsi kemudahan peminjaman, persepsi tingkat suku bunga, dan persepsi dividen. Metode penelitian yang digunakan adalah kuantitatif dengan pengumpulan data melalui kuesioner yang disebarkan kepada 130 responden yang merupakan anggota aktif CU di Desa Lingga Julu. Analisis data dilakukan menggunakan regresi logistik untuk mengukur pengaruh masing-masing variabel terhadap kesejahteraan masyarakat. Hasil penelitian menunjukkan bahwa persepsi kemudahan peminjaman memiliki pengaruh positif dan signifikan terhadap kesejahteraan masyarakat. Presepsi Masyarakat terhadap Tingkat suku bunga tidak menunjukkan pengaruh yang signifikan dalam konteks penelitian ini, meskipun tetap merupakan faktor penting yang perlu diperhatikan. Presepsi Masyarakat terhadap Pembagian dividen dari CU terbukti memberikan dampak positif yang signifikan terhadap kesejahteraan masyarakat. Penelitian ini menyimpulkan bahwa CU memiliki peran penting dalam meningkatkan kesejahteraan masyarakat Desa Lingga Julu melalui persepsi kemudahan peminjaman dan pembagian dividen.
Kata Kunci: Credit Union; Perpsepsi Kesejahteraan Masyarakat; Perpsepsi Kemudahan Peminjaman; Perpsepsi Tingkat Suku Bunga; Dividen
Abstract
The Credit Union (CU) plays an important role in improving the economic welfare of the village community by providing inclusive and affordable financial services. This study aims to analyze the influence of community perceptions of the CU and its impact on the welfare of the Lingga Julu Village community, particularly through three main factors: the perception of loan accessibility, the perception of interest rates, and the perception of dividends. The research method used is quantitative, with data collected through questionnaires distributed to 130 respondents who are active members of the CU in Lingga Julu Village. Data analysis was conducted using logistic regression to measure the influence of each variable on community welfare. The results of the study show that the perception of loan accessibility has a positive and significant effect on community welfare. The community's perception of interest rates does not show a significant effect in this study's context, although it remains an important factor to consider. The community's perception of dividend distribution from the CU has been proven to have a significant positive impact on community welfare. This study concludes that the CU plays an important role in improving the welfare of the Lingga Julu Village community through the perception of loan accessibility and dividend distribution.
Keywords: Credit Union; Community Welfare Perception; Loan Accessibility Perception; Interest Rate Perception; Dividends
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