Optimalization of Loan Disbursement as a Solution

Case Study: On Saving and Loan Cooperative Credit Union Bina Seroja, East Jakarta

Abstract

The Bina Seroja Credit Union Savings and Loan Cooperative has served members covering the Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek) areas both in terms of deposits and loan distribution. It becomes two sides that must be balanced.  The problem that occurs is that the distribution of loans to members is only 42% of the ideal ratio of 70-80%. This study aims to find out the formulations made and realized in the implementation in the last five (5) years. While the methods used are observations, interviews and questionnaires with the support of complete documentation. Based on the results of research by KSP CU Bina Seroja, it has actually made products both deposits and loans that vary to be able to attract the interest of its members. However, the number of loans disbursed in the last 5 (five) years has never reached more than 50%, even the last two years it was only 47% and dropped to 42%. The results of the respondents in choosing CU were the use of technology in serving members (33%), good communication (29%), and ease of obtaining loans (26%). Non-stock deposits collected from members reached an ideal ratio of 72%