Perbandingan kinerja lembaga keuangan mikro yang berlokasi di daerah perkotaan dan yang berlokasi di daerah pedesaan: studi kasus unit pelayanan credit union cindelaras Tumangkar, Yogyakarta, Januari 2007-Desember 2008)
KUSUMA, STEPHANUS ERI , Prof. Dr. Lincolin Arsyad, Ph.D
Studi kasus ini membandingkan kinerja unit pelayanan Credit Union Cindelaras Tumangkar (CUCT) yang berlokasi di daerah perkotaan (Ganjuran, Condongcatur, Depok, Sleman, Yogyakarta) dan unit pelayanan CUCT yang berlokasi di daerah perdesaan (Puluhan, Sumberarum, Moyudan, Sleman, Yogyakarta) Berdasarkan hasil pembandingan 14 indikator kinerja PEARLS yang diperoleh dengan dua uji statistik, independent sample t-test dan Mann-Whitney U test, terdapat indikasi bahwa kinerja unit pelayanan CUCT yang berlokasi di daerah perkotaan cenderung berbeda dengan kinerja unit pelayanan CUCT yang berlokasi di daerah perdesaan. Faktor yang diduga sebagai penyebab perbedaan kinerja antara dua unit pelayanan CUCT yang berbeda lokasi tersebut adalah perbedaan tingkat keterjangkauan lokasi, perbedaan tingkat aktivitas sosialisasi, perbedaan tingkat perkembangan dan luas wilayah operasi serta perbedaan jumlah anggota yang bekerja sebagai wiraswasta antara unit pelayanan CUCT yang berlokasi di daerah perkotaan dan unit pelayanan CUCT yang berlokasi di daerah perdesaan.
This case study is comparing performance of Credit Union Cindelaras Tumangkar (CUCT) unit located in urban area (Ganjuran, Condongcatur, Depok, Sleman) and performance of CUCT unit located in rural area (Puluhan, Sumberarum, Moyudan, Sleman) Based on the comparison result of 14 PEARLS performance indicators that came from two statistic test, independent sample t-test and Mann-Whitney U test, there is an indication that performance of CUCT unit located in urban area is different with CUCT unit located in rural area. This study predicted that difference of performance between that two CUCT unit are caused by some factors, such as difference of access to each CUCT unit, difference of socialization activity level, difference of growth level and coverage of operation area and also difference of quantity of client who are being entrepreneur between CUCT unit located in urban and CUCT unit located in rural area.
Keywords: study case, performance, urban area, rural area, PEARLS, independent sample t-test, Mann-Whitney U test, access to location, socialization, entrepreneur.
Kata Kunci : studi kasus, kinerja, daerah perkotaan, daerah perdesaan, PEARLS, independent sample t-test, Mann-Whitney U test, keterjangkauan lokasi, sosialisasi, wilayah operasi, wiraswasta.
