Peranan Koperasi Kredit/Credit Union terhadap Pengembangan Wilayah di Pematangsiantar (Studi pada Credit Union Cinta Mulia)

Abstract

Cooperative as the backbone of the economy is no longer merely a form of company, but the idea of macro economic development dimension. Problems how to establish justice, welfare, and income that being the national development objetives are inseparable parts of cooperative development. Credit Union is being a part of the cooperatives in Indonesia which focuses on community economic development. Cinta Mulia Credit Union is a pioneer of credit unions in North Sumatra, that the development is quite rapid in which its office has amounted to 14, spread not only in Pematangsiantar but also has spread to Simalungun Regency. Nationally based on the statistical yield Inkopdit 2011, Cinta Mulia credit union was ranked 17th of all credit unions in Indonesia. This research aimed to determine and analyze what are the factors that affect the decision of the respondents chose Credit Union as a source of financing compared to other financial institutions, how the role of credit union Cinta Mulia create job opportunities in areas of research, how the role of credit union Cinta Mulia create the development of economic activity in the study area and whether there was an average difference in income before and after a credit union Cinta Mulia member. The population in this research were members of cooperative who have business activities, with a total sample of 60 people. The data were collected by conducting interviews using questionnaires and analyzed by using descriptive methods and paired t - test at the level of confidence of 95%. Based on research result, it was known that the Cinta Mulia credit union had a positive role in improving the welfare of society, particularly members of the cooperative who have business activities. This was indicated by higher income after a member of the cooperative. In addition, credit union has become one of the businesses that provide jobs to the community and helped create economic development activities. All those increasings being part of credit union role. The role on regional development represent the multiplier effect of the credit union activities in the region.