ANALISIS CUSTOMER PROFITABILITY PADA KOPERASI SIMPAN PINJAM “DIASPORA”

Abstract

The purpose of this study was to analyze Customer Profitability in the Diaspora Savings and Loans Cooperative (Credit Union). This research is a comparative quantitative research. The consumers studied were limited to debtor customers only. There are 4 consumer groups studied, where each group consists of 30 customers. Data were collected by using a documentary study technique by examining credit contracts and financial statements of each customer. The data were analyzed by means of a mean difference test with an independent sample t-test technique. The results showed that the groups of consumers who gave the highest profitability were the cheap and passive groups. Meanwhile, the consumer group that tends to harm the cooperative is the aggressive group. Thus, it is suggested to the cooperative manager to increase the number of consumers in the cheap and passive groups and reduce the number of consumers in the aggressive group.