Pengaruh Modal Intelektual pada Kinerja Lembaga Perkreditan Desa di Bali

I. Pande, I. Darmawan, I. A. N. Yuliastuti, Ida Ayu Ratih Manuari, Daniel Raditya Tandio
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Abstract

Village credit institutions (LPD) have very tight competition in getting customers. LPD has main competitors in the financial business, namely public banks, people's credit banks, cooperatives, Bumdesa which operates in the savings and loans sector, moneylenders and financial technology (fintech). This research aims to analyze the influence of non-financial resources, namely intellectual capital, on LPD performance in Bali. The research population was 1433 LPD with a sample of 100 LPD. The sampling method uses a stratified proportional random sampling technique. The data analysis technique uses multiple regression analysis. The research results show that structural capital, social capital and reputation capital have a positive effect on LPD performance in Bali.
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智力资本对巴厘岛乡村信贷机构绩效的影响
乡村信贷机构(LPD)在争取客户方面的竞争非常激烈。LPD 在金融业务方面的主要竞争对手包括公共银行、人民信贷银行、合作社、从事储蓄和贷款业务的 Bumdesa、放债人和金融技术(fintech)。本研究旨在分析巴厘岛非金融资源(即知识资本)对 LPD 业绩的影响。研究对象为 1433 家 LPD,样本为 100 家 LPD。抽样方法采用分层比例随机抽样技术。数据分析技术采用多元回归分析法。研究结果表明,结构资本、社会资本和声誉资本对巴厘岛 LPD 的绩效有积极影响。
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