Pengaruh Alokasi Dana Pinjaman Dan Resiko Pinjaman Bermasalah Terhadap Profitabilitas Pada Koperasi Simpan Pinjam Cahaya Artha Makmur Mandiri

Abstract

Problematic loans will not pose significant issues for a cooperative if only one or two debtors are undisciplined in repaying their installments. However, if a large number of borrowers default around the same time, the risk of bad loans for the cooperative increases. This study aims to examine the impact of loan allocation and the risk of problematic loans on profitability at the Cahaya Artha Makmur Mandiri Savings and Loan Cooperative, using both descriptive and verificative methods with a quantitative approach. The results show that loan allocation significantly influences profitability, with a t-value of 3.844 > 3.182 and a significance value of 0.031 < 0.05. The risk of problematic loans, however, does not significantly affect profitability, as indicated by a t-value of -1.013 < 3.182 and a significance value of 0.386 > 0.05. Simultaneously, loan allocation and the risk of problematic loans have a significant effect on profitability. The R-squared value of 0.832 indicates that 83.2% of profitability variations are influenced by these factors.