GROWTH WITHOUT COMPROMISE: HOW INDONESIAN CREDIT UNIONS NAVIGATE SUSTAINABILITY AND EXPANSION

Autores

  • Masri Marius Universitas Katolik Widya Mandira Kupang
  • Munawar Ismail Universitas Brawijaya
  • David Kaluge Universitas Brawijaya
  • Dwi Budi Santoso Universitas Brawijaya

DOI:

https://doi.org/10.18623/rvd.v23.n4.5016

Palavras-chave:

Credit Unions, Sustainability, Outreach, Daperma, Financial Technolo-gy, Indonesia

Resumo

Credit Unions (CUs) in Indonesia, particularly in Nusa Tenggara Timur (NTT), play a vital role in financial inclusion for underserved communities. However, bal-ancing outreach to high-risk borrowers with financial sustainability remains a chal-lenge. This study investigates the impact of operational costs, Daperma (Joint Pro-tection Fund), and technology adoption (e.g., Sikopdit application) on CU sus-tainability and outreach. Using panel data regression on 50 CUs in NTT from 2015–2024, we find that Daperma and technology adoption significantly enhance both sustainability (measured by return on assets) and outreach (depth to high-risk borrowers), while taxes and employee costs have negligible or negative effects. These findings reject prior studies emphasizing tax burdens (Cull et al., 2011) and highlight the unique role of local innovations like Daperma. In contrast, it is pro-pose strategies for CUs to leverage technology and social capital for sustainable growth, contributing to SDG 1 (No Poverty) and 8 (Decent Work).

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Publicado

2026-02-24

Como Citar

Marius, M., Ismail, M., Kaluge, D., & Santoso, D. B. (2026). GROWTH WITHOUT COMPROMISE: HOW INDONESIAN CREDIT UNIONS NAVIGATE SUSTAINABILITY AND EXPANSION. Veredas Do Direito , 23, e235016. https://doi.org/10.18623/rvd.v23.n4.5016

Edição

v. 23 (2026): Veredas do Direito, v. 23, 2026

Seção

Artigos

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