技术效率分析:管理因素是储蓄信用社健康发展的决定因素

IF 2.2 Q3 MANAGEMENT
Atik Purmiyati , Rossanto Dwi Handoyo , Wisudanto
{"title":"技术效率分析:管理因素是储蓄信用社健康发展的决定因素","authors":"Atik Purmiyati ,&nbsp;Rossanto Dwi Handoyo ,&nbsp;Wisudanto","doi":"10.1016/j.jcom.2022.100186","DOIUrl":null,"url":null,"abstract":"<div><p>The main purpose of this study is to analyze the technical efficiency of Saving and Credit Cooperatives (SACCOs) and the impact for SACCOs’ health using primary data obtained from a survey of 178 respondents of SACCOs in East Java, Indonesia. The three stages of the analysis used are Data Envelopment Analysis (DEA), Tobit Regression and Logistic Regression. Based on the results of the analysis using the DEA method, it is concluded that the average performance that can be achieved by SACCOs with existing technology is 65 % of the maximum potential yield. There are 61.3 % of SACCOs which are declared technically inefficient. The factors that influence the level of technical efficiency of Saving and Credit Cooperatives are interest, loan term, manager's age, and type of business. Furthermore, the factors that affect the health of the cooperative based on logistics analysis are the variable frequency of management meetings, age of the cooperative, fixed deposits and average loan. This study supports the SACCOs in becoming more efficient and healthy with the influence of external policy (from government) and internal policy (from SACCOs).</p></div>","PeriodicalId":43876,"journal":{"name":"Journal of Co-operative Organization and Management","volume":null,"pages":null},"PeriodicalIF":2.2000,"publicationDate":"2022-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"https://www.sciencedirect.com/science/article/pii/S2213297X22000222/pdfft?md5=7c7c69a6c9c6e4e670b2ec82a0ba0682&pid=1-s2.0-S2213297X22000222-main.pdf","citationCount":"1","resultStr":"{\"title\":\"Technical efficiency analysis: Management factor as determinants of saving and credit cooperatives’ health\",\"authors\":\"Atik Purmiyati ,&nbsp;Rossanto Dwi Handoyo ,&nbsp;Wisudanto\",\"doi\":\"10.1016/j.jcom.2022.100186\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<div><p>The main purpose of this study is to analyze the technical efficiency of Saving and Credit Cooperatives (SACCOs) and the impact for SACCOs’ health using primary data obtained from a survey of 178 respondents of SACCOs in East Java, Indonesia. The three stages of the analysis used are Data Envelopment Analysis (DEA), Tobit Regression and Logistic Regression. Based on the results of the analysis using the DEA method, it is concluded that the average performance that can be achieved by SACCOs with existing technology is 65 % of the maximum potential yield. There are 61.3 % of SACCOs which are declared technically inefficient. The factors that influence the level of technical efficiency of Saving and Credit Cooperatives are interest, loan term, manager's age, and type of business. Furthermore, the factors that affect the health of the cooperative based on logistics analysis are the variable frequency of management meetings, age of the cooperative, fixed deposits and average loan. This study supports the SACCOs in becoming more efficient and healthy with the influence of external policy (from government) and internal policy (from SACCOs).</p></div>\",\"PeriodicalId\":43876,\"journal\":{\"name\":\"Journal of Co-operative Organization and Management\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":2.2000,\"publicationDate\":\"2022-12-01\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"https://www.sciencedirect.com/science/article/pii/S2213297X22000222/pdfft?md5=7c7c69a6c9c6e4e670b2ec82a0ba0682&pid=1-s2.0-S2213297X22000222-main.pdf\",\"citationCount\":\"1\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Co-operative Organization and Management\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://www.sciencedirect.com/science/article/pii/S2213297X22000222\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"MANAGEMENT\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Co-operative Organization and Management","FirstCategoryId":"1085","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S2213297X22000222","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"MANAGEMENT","Score":null,"Total":0}
引用次数: 1

摘要

本研究的主要目的是分析储蓄信贷合作社(SACCOs)的技术效率及其对SACCOs健康的影响,使用从对印度尼西亚东爪哇178名SACCOs受访者的调查中获得的原始数据。使用的三个分析阶段是数据包络分析(DEA), Tobit回归和逻辑回归。基于DEA方法的分析结果,得出在现有技术条件下,SACCOs的平均性能为最大潜在产率的65%。61.3%的sacco在技术上是低效的。影响储蓄信用社技术效率水平的因素有利息、贷款期限、经理年龄和业务类型。此外,根据物流分析,影响合作社健康的因素是管理会议的频率、合作社的年龄、定期存款和平均贷款。这项研究支持SACCOs在外部政策(来自政府)和内部政策(来自SACCOs)的影响下变得更加高效和健康。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Technical efficiency analysis: Management factor as determinants of saving and credit cooperatives’ health

The main purpose of this study is to analyze the technical efficiency of Saving and Credit Cooperatives (SACCOs) and the impact for SACCOs’ health using primary data obtained from a survey of 178 respondents of SACCOs in East Java, Indonesia. The three stages of the analysis used are Data Envelopment Analysis (DEA), Tobit Regression and Logistic Regression. Based on the results of the analysis using the DEA method, it is concluded that the average performance that can be achieved by SACCOs with existing technology is 65 % of the maximum potential yield. There are 61.3 % of SACCOs which are declared technically inefficient. The factors that influence the level of technical efficiency of Saving and Credit Cooperatives are interest, loan term, manager's age, and type of business. Furthermore, the factors that affect the health of the cooperative based on logistics analysis are the variable frequency of management meetings, age of the cooperative, fixed deposits and average loan. This study supports the SACCOs in becoming more efficient and healthy with the influence of external policy (from government) and internal policy (from SACCOs).

求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
CiteScore
4.40
自引率
19.00%
发文量
27
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信