Ajija Shochrul Rohmatul, Sukmana Raditya, Sari Tita Novita, Hudaifah Ahmad
Department of Economics, Universitas Airlangga, Indonesia.
Department of Shariah Economics, Universitas Airlangga, Indonesia.
Heliyon. 2020 Jul 27;6(7):e04472. doi: 10.1016/j.heliyon.2020.e04472. eCollection 2020 Jul.
This study aimed to calculate the breadth, depth, and overall outreach score with case studies of several Islamic cooperatives in East Java. Generally, the level of this outreach is not too high, but it continuously showed an increase from 2014 to 2018. Those cooperatives with relatively small assets tend to have high outreach scores. Meanwhile, those with large assets have a lower outreach level. Therefore, this study utilized the Tobit regression analysis in order to investigate the factors that influence outreach score. The results showed that size, non-performing financing (NPF), number of branches, grants, financial leverage, and age have a significant impact on Islamic cooperatives' outreach. An interesting finding is that size has a negative effect. This is in contrast with the spirit to develop cooperatives in Indonesia. Also, a high NPF can significantly decrease the level outreach. Meanwhile, the increase in the number of grants appears to have a positive impact. Thus, through action research since 2012 and FGD on the management of Islamic cooperatives, this study provided an explanation on why these conditions can occur.
本研究旨在通过对东爪哇几个伊斯兰合作社的案例研究来计算其覆盖广度、深度和总体覆盖得分。总体而言，这种覆盖水平不算太高，但从2014年到2018年持续呈上升趋势。资产相对较少的合作社往往具有较高的覆盖得分。与此同时，资产规模较大的合作社覆盖水平较低。因此，本研究采用托宾回归分析来调查影响覆盖得分的因素。结果表明，规模、不良融资（NPF）、分支机构数量、赠款、财务杠杆和年限对伊斯兰合作社的覆盖有显著影响。一个有趣的发现是规模具有负面影响。这与印度尼西亚发展合作社的精神相悖。此外，高不良融资率会显著降低覆盖水平。与此同时，赠款数量的增加似乎有积极影响。因此，通过自2012年以来的行动研究以及关于伊斯兰合作社管理的焦点小组讨论，本研究对这些情况为何会出现做出了解释。
