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All Journal Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi, dan Bisnis
Tedi Rochendi
Institut Teknologi dan Bisnis (ITB) Swadharma
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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PENTINGNYA LITERASI KEUANGAN BAGI MASYARAKAT Tedi Rochendi; Rita Rita; IGA Diah Dhyanasaridewi
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 11, No 1 (2022): KOMPLEKSITAS EDISI JUNI 2022
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/kompleksitas.vol11no1.200

Abstract

Based on the OCBC NISP Financial Fitness Index, the financial literacy level of the Indonesian people in 2021 will be at 37.72 out of a total score of 100, which is still lower than Singapore, which in 2020 was recorded at 61. Through the data on the level of financial literacy, we can see that the level of financial literacy in Indonesia is still low which has the potential to influence every decision of the community regarding financial management. Knowledge, and public understanding of finance or financial literacy must be improved so that people can determine, manage, and choose appropriate, effective, and efficient financial instruments, as well as the need for an understanding of every financial risk that exists in each financial instrument or product so that financial cases What is happening now will not happen again in the future Hasil OCBC NISP Financial Fitness Index menyebutkan bahwa tingkat literasi keuangan masyarakat Indonesia pada tahun 2021 berada di level 37,72 dari total skor 100, yaitu masih lebih rendah dibandingkan dengan Singapura yang berada pada level 61. Melalui data tingkat literasi keuangan tersebut, dapat kita ketahui bahwa tingkat literasi keuangan Indonesia masih rendah yang akan berpotensi mempengaruhi setiap keputusan masyarakat terhadap pengelolaan keuangannya. Pengetahuan dan pemahaman masyarakat terhadap keuangan atau literasi keuangan harus ditingkatkan agar masyarakat dapat menentukan, mengelola, dan memilih instrumen keuangan yang tepat, efektif, dan efisien, serta perlunya pemahaman akan setiap risiko keuangan yang ada pada setiap instrumen ataupun produk keuangan sehingga kasus-kasus keuangan yang terjadi saat ini tidak terulang kembali di masa yang akan datang
PROSEDUR PINJAMAN TANGGUNG RENTENG UNTUK MODAL USAHA UMKM PADA UNIT JASA KEUANGAN KOPERASI GARUDAYAKSA NUSANTARA (KGN) Tannia Regina; Tedi Rochendi; Arya Nanda Pratama
KOMPLEKSITAS: JURNAL ILMIAH MANAJEMEN, ORGANISASI DAN BISNIS Vol 10, No 2 (2021): KOMPLEKSITAS EDISI DESEMBER 2021
Publisher : ITB Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (823.773 KB) | DOI: 10.56486/kompleksitas.vol10no2.136

Abstract

The Joint Liability Loan Procedure for UMKM at the Unit Jasa Keuangan Koperasi Garudayaksa Nusantara. This research is a qualitative research with a descriptive design. The purpose of this study is to describe and determine the implementation of joint responsibility loans starting from the marketing process of jointly and severally loan products, the formation of jointly and severally responsibility groups, the application of jointly and severally responsible loans to UJK KGN, the process of analyzing the feasibility test of joint responsibility, to the process of disbursement of jointly and severally loans. The joint responsibility loan is used by UJK KGN customers as business capital to run their UMKM business operations. The results showed that the joint responsibility loan procedure had been carried out properly and in accordance with standard operating procedures at UJK KGN but in practice there were still UJK KGN customers whose installments were in arrears and the repayment of loan installments did not match the due date
Co-Authors Arya Nanda Pratama IGA Diah Dhyanasaridewi Rita Rita Tannia Regina