Harmonious Culture-Based Computer Application Model to Assess Microfinance Institution Performance

DOI

10.2991/icss-18.2018.99How to use a DOI?

Keywords

Harmonious culture, performance, application model, microfinance institution

Abstract

Correct performance assessment is essential to determine the health of microfinance institution. Various tools are used to measure the performance, among others, financial ratio and service. Those tools refer mostly to commercial bank standard that has different market orientation. The research aimed to assess non-financial performance using harmonious culture designed into a computer application model. Exploratory sequential mixed methods research design used to build the model. Data were collected through in-depth interview with the head of microfinance institutions to build instrument survey and then conducted interpretation to build the model. The qualitative study result indicates that non-financial performance in form of risk management and general management had been legitimated by harmonious culture. The quantitative study result found five dimensions of risk management used in building the model. Those dimensions were credit quality, collateral quality, customary rules, traditional leaders, and belief to karma law. The dimensions had a significant influence on performance. General management consisted of prayer buildings construction, religious activities, facilities and infrastructures construction, cultural festivals, funerals, wedding ceremony, education, health, art groups, and business groups had influence on performance. The model developed could facilitate the non-financial performance calculation. The non-financial performance assessment model could be developed according to the existing environment. Microfinance institution administrators had a new alternative to assess performance that is easier to understand by the employees

Copyright

© 2018, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - I Putu Astawa
AU  - Ni Gusti Nyoman Suci Murni
AU  - I Gusti Ngurah Sanjaya
AU  - I Made Sudana
AU  - I Ketut Suwintana
PY  - 2018/10
DA  - 2018/10
TI  - Harmonious Culture-Based Computer Application Model to Assess Microfinance Institution Performance
BT  - Proceedings of the 1st International Conference on Social Sciences (ICSS 2018)
PB  - Atlantis Press
SP  - 474
EP  - 478
SN  - 2352-5398
UR  - https://doi.org/10.2991/icss-18.2018.99
DO  - 10.2991/icss-18.2018.99
ID  - Astawa2018/10
ER  -