Pengaruh Jumlah Pinjaman dan Kedisiplinan Anggota Terhadap Kelancaran Pembayaran Pinjaman pada Koperasi Konsumen Negara Agung Sedana

Abstract

The elevated risk of non-performing loans in microfinance institutions demands an analytical approach that simultaneously integrates financial and behavioral dimensions of members. This study aims to analyze the influence of loan amount and member discipline, both partially and simultaneously, on loan repayment smoothness at Koperasi Konsumen Negara Agung Sedana, Bungkulan Village, Buleleng Regency. A causal quantitative design was applied using saturated sampling toward 60 active borrowing members during the 2025 period. Data were obtained from official cooperative administrative documents and analyzed through binary logistic regression using SPSS 26. Results indicate that loan amount exerted a positive yet statistically insignificant effect on repayment smoothness (Wald = 1.237; sig. = 0.266), whereas member discipline demonstrated a positive and significant influence (Wald = 8.141; sig. = 0.004). Simultaneously, both variables significantly predicted repayment smoothness (Chi-square = 52.800; sig. = 0.000), with a model predictive capacity of 83% (Nagelkerke R Square = 0.830). This study concludes that behavioral commitment among members constitutes the dominant determinant of cooperative credit quality. Cooperatives are recommended to prioritize continuous financial education programs and member discipline development to effectively reduce outstanding arrears accumulation.