PENGARUH MODAL SENDIRI, MODAL PINJAMAN, VOLUME USAHA, JUMLAH ANGGOTA TERHADAP SISA HASIL USAHA (SHU) PADA KOPERASI SIMPAN PINJAM SE-KECAMATAN BADEGAN PERIODE TAHUN 2020-2023

This study aims to analyze the effect of equity capital, loan capital, business volume, and number of members on the remaining operating results (SHU) of savings and loan cooperatives in the Badegan District for the period 2020–2023. The background of this research is based on the phenomenon of the declining number of active cooperatives and the annual decrease in SHU, which is suspected to be influenced by internal conditions of the cooperatives. The method used is quantitative with a descriptive and verifiable approach. The data used are secondary data obtained from cooperative annual member meetings (RAT) reports. The sample was selected using purposive sampling, with the criterion being cooperatives that submitted RAT reports for at least two consecutive years. Data analysis was conducted using multiple linear regression and hypothesis testing (t-test and F-test). The results show that partially, equity capital and business volume have a significant effect on SHU, while loan capital and the number of members do not have a significant effect. Simultaneously, the four independent variables have a significant effect on SHU. This research is expected to serve as a consideration for cooperatives in managing their resources effectively to increase SHU.

Keywords: Equity Capital, Loan Capital, Business Volume, Number of Members, Remaining Operating Results (SHU), Savings and Loan Cooperatives