DETAIL JURNAL
MARTONO
Vol. 8 No. 2 September 2016
Akademi Manajemen Bumi Sebalo Bengkayang
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The role of cooperatives today, especially in the economic field has become an important part of modern life, the study entitled "Analysis of Effect Efficiency Working Capital Credit Union Against Profitability in Pancur Love in Pontianak" the period of 2001- 2009 by using multiple linear regression analysis of the ratio NONSH, KA, LA, ROA and ROE, while financial performance analysis tools Pancur Kasih Credit Union in Pontianak using analytical tools Pearls. Results of previous studies NON (non-interest income) significant to ROE, NONSH (non-interest income) is not significant to ROA. KA (capital asset) significantly to the profitability of LA (loan asset) no significant effect on profitability. Relation to financial performance is an effective financial structure and asset quality create working capital, while profitability is the return value increase gross income margin and cost to manage all the assets exceeds the ideal minimum 10 percent. Total assets funded by capital institutions above 10 percent, then the need to reduce costs in an illiquid asset.
Keywords: efficiency working capital, profitability credit union
