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Cooperatives have a strategic role in improving people's welfare, especially in developing countries like Indonesia. As one of the pillars of the national economy, cooperatives function as a forum for community cooperation in meeting economic needs in a fair and sustainable manner. This study aims to analyze the role of cooperatives in improving people's welfare through a library research approach. The method used in this study is a descriptive method with deductive data analysis techniques, where data is obtained from various sources such as books, journals, and laws and regulations related to cooperatives. The results of the study show that cooperatives contribute to community economic empowerment by providing more inclusive access to capital, creating jobs, and improving social welfare through education and health programs. With the principle of mutual cooperation and democratic management, cooperatives can be a solution in creating a more independent and prosperous people's economy. Therefore, consistent regulatory support and increased human resource capacity are needed so that cooperatives can function optimally in community economic development.

In this study, a women's empowerment program for fisherwomen in Domas Village, Serang Regency, was used to investigate the impact of village fund management on improving the welfare of coastal communities. This research stems from an awareness of the importance of villages in realizing sustainable development that relies on local potential, especially in vulnerable and marginalized coastal areas. To improve community welfare, including that of women who have been less involved in village development processes, effective, efficient, transparent, and accountable management of village funds is crucial. The research method employed was qualitative, with data collected through in-depth interviews, field observations, and documentary studies. The research results show that the management of village funds in Domas Village has brought many benefits, such as the establishment of BUMDes shrimp farms and catering services, which can create jobs and increase local revenue. However, women's participation in village programs is still limited to certain industries such as beauty services and seafood processing. To achieve optimal women's empowerment, key barriers include limited human resources, limited access to capital, and the lack of integration of women's SMEs into the village funding structure. The results indicate that an inclusive and locally-driven approach to village fund management can enhance community well-being more equitably and drive sustainable socio-economic transformation.

As an archipelagic nation with the fourth largest population in the world, Indonesia faces challenges in employment opportunities due to the imbalance between population growth and job availability. Consequently, both central and regional governments are now focusing on the development of the informal sector, which contributes significantly to the economy and employment creation. In the era of the digital economy, this sector benefits from technological advancements. However, informal entrepreneurs continue to face obstacles such as limited access to technology, human resources, and capital. This study aims to examine the influence of education, capital, and information technology on the income of informal sector actors who utilize e-commerce in Denpasar City, both simultaneously and partially. The data used in this study consists of both primary and secondary sources, collected through interviews with 100 respondents selected using purposive sampling. The analytical methods employed include descriptive analysis and multiple linear regression analysis. The results show that the variables of education, capital, and information technology simultaneously have a significant influence on the income of the informal sector. Partially, each of these variables also exerts a positive and significant influence on income. Based on these findings, it is recommended to increase attention to education and training in digital technology utilization, as well as improve access to capital for informal entrepreneurs. These efforts can enhance sales performance, expand market reach, and consequently increase income.

Cooperatives play a crucial role as business entities in enhancing the people's economy in Indonesia. Rooted in the principles of kinship and mutual cooperation, cooperatives aim to improve the welfare of their members and society at large, rather than merely pursuing profit. This study employs a descriptive analysis method to examine the role of cooperatives as a pillar of the people's economy, focusing on their contributions to microeconomic empowerment, job creation, and strengthening community purchasing power. The findings indicate that cooperatives significantly contribute to local economic growth, particularly through synergy with MSMEs (Micro, Small, and Medium Enterprises), as well as by providing members with access to capital and training. However, challenges such as weak management, low financial literacy, and inadequate technological adaptation still hinder the optimization of cooperatives' roles. On the other hand, sharia cooperatives also emphasize social functions based on principles of justice and social responsibility. To enhance the contribution of cooperatives, institutional strengthening, professional management, and regulatory support from the government are required. Thus, cooperatives remain relevant as instruments for inclusive and sustainable economic development in Indonesia.

According to data from the Ministry of Cooperatives and SMEs in 2024, Indonesia has more than 60 million SMEs, which are very important to its economy, contributing 60% to the national GDP. However, around 77.5% of SMEs do not keep financial records, while 22.5% have some form of financial reporting that is often inconsistent and poorly documented. Many entrepreneurs do not realize the importance of financial reports, instead focusing on business growth and sales. Lack of financial literacy leads to poor decision-making and operational transparency. Quality financial reports can facilitate access to capital and serve as an indicator of business success. Programs aimed at improving financial literacy and the importance of financial reporting have shown a positive impact on SME performance. The training program for Dapur Umi Ila SMEs in Bojongkerta aims to empower participants through education on financial management, emphasizing the importance of maintaining accurate financial records for proper decision-making and sustainable business growth. By creating financial reports, Dapur Umi Ila SMEs are expected to be more concerned about operational finances so that they can learn to make decisions based on relevant and reliable financial reports..

Farmer regeneration is a strategic element in achieving sustainable agricultural development, especially amid the overall decline in the farming population. This study aims to identify the demographic trends of young farmers and examine their readiness in adopting agricultural technology in Tasikmalaya City. The research employs a descriptive qualitative approach using secondary data obtained from the Central Bureau of Statistics, the Ministry of Agriculture, and various scientific literature. The findings reveal that despite the overall decrease in the number of farmers, the number of young farmers has increased in recent years, indicating potential for regeneration in the agricultural sector. Young farmers tend to be more open to innovation and possess relatively strong digital literacy; however, the adoption of agricultural technology remains limited to specific aspects and has not fully integrated into the entire production process. The main challenges include limited access to capital, underdeveloped digital infrastructure, and a lack of technical training and mentoring. Therefore, comprehensive policy interventions are necessary, including strengthening farmer regeneration policies, improving supporting infrastructure, and promoting community-based mentoring to accelerate the adoption of agricultural technology among young generations.

The community service program (PKM) carried out for women entrepreneurs in Klinting Village, Somagede District, Banyumas Regency. The program mainly aims to improve community understanding of business financial management and increase access to capital in formal financial institutions. The objectives of the PKM are achieved through socialization on business financial management and strategies for obtaining efficient capital in formal financial institutions as well as simple bookkeeping training. Through these PKM activities, the awareness of women entrepreneurs in Klinting Village about the importance of effective business financial management and financial records is expectedly increased. Women entrepreneurs were given insight into external capital sources from formal institutions, namely banks, and were introduced to effective strategies for obtaining capital from banks. In addition, entrepreneurs in Klinting Village also gain insight into the risks of informal and illegal loans, as well as how to utilize financial technology, such as digital wallets, to support their business operations. This program is expected to be able to reduce the dependence of women entrepreneurs on informal loans, encourage business sustainability, and build economic independence for the Klinting Village community. In the long term, this program has the potential to strengthen family economic stability while creating inclusive and sustainable business growth

Tegalwaru Village in Ciampea District, Bogor Regency, possesses substantial potential for sustainable Micro, Small, and Medium Enterprise (MSME) development, yet faces challenges in marketing and digital adoption. This study aims to analyze the progress of MSMEs in Tegalwaru, focusing on production, marketing strategies, and ecotourism integration to enhance economic growth. Using a qualitative descriptive approach, data was collected through in-depth interviews with MSME actors, field observations, and document analysis. Findings indicate that while MSMEs have advanced in product diversification and production capacity, their growth is hindered by limited digital marketing skills and inadequate access to capital. Conversely, the village’s rich natural and cultural resources present significant opportunities for ecotourism, which could synergize with MSMEs to boost local income sustainably. The study highlights the need for targeted interventions, including digital literacy training, improved financing access, and collaborative efforts among MSMEs, local government, and tourism stakeholders. By strengthening these aspects, Tegalwaru can achieve holistic MSME development, fostering economic resilience and community welfare. The research underscores the importance of integrating MSMEs with ecotourism as a strategy for inclusive and sustainable rural development.

This community service program aims to provide training in preparing simple financial reports to MSMEs in Banyumas Regency. This activity, which was attended by 20 MSMEs in the culinary sector, focused on increasing understanding of SAK-EMKM, direct practice in preparing financial reports, and assistance related to financial management. The obstacles faced by MSME partners are partly related to minimal capital and marketing. From the capital sector, basically with the existence of financial reports, it is able to bridge financial problems. In addition, information regarding access to capital and HR development strategies was also conveyed. The results of the activity showed an increase in understanding and skills of MSME actors in preparing financial reports, which are expected to support business growth and their competitiveness in the market. Assistance in preparing financial reports for MSMEs is a method to align the problems that arise to make MSMEs in Indonesia more advanced and synergize in building Indonesia.

Coastal women on Poteran Island, Sumenep, have an important role in the marine-based economic sector, especially in the seaweed and processed seafood industry. However, limited access to capital, technology, and markets are the main challenges in their empowerment efforts. This study aims to analyze the level of empowerment of coastal women in the industry and identify factors that support and hinder the development of their businesses. This study uses a qualitative method with a case study approach, where data is collected through in-depth interviews with women entrepreneurs, participant observation, and related literature studies. Data analysis techniques are carried out through the Miles and Huberman interactive model which includes data reduction, data presentation, as well as drawing conclusions and verification. The results of the study indicate that the empowerment of coastal women in the seaweed and processed seafood industry has had a positive impact on family economic welfare, increased skills capacity, and strengthened their social roles in the community. However, there are still obstacles in terms of market access, policy support, and production technology that need further attention. Therefore, intervention from various stakeholders is needed to increase women's access to skills training, business capital, and policies that support the sustainability of their businesses.    

The rapid growth of financial technology (fintech) has significantly transformed the funding landscape for Small and Medium Enterprises (SMEs), offering innovative financial solutions beyond traditional banking institutions. This study presents a bibliometric analysis of fintech’s role in SME financing, identifying emerging trends and research gaps. Utilizing bibliographic coupling and co-occurrence network analysis, data from Scopus were analyzed to uncover the intellectual structure and evolution of research in this field. The results highlight key themes, including the integration of blockchain, peer-to-peer lending, financial inclusion, and crowdfunding in SME financing. A particular focus on Islamic finance and Islamic crowdfunding indicates a growing interest in alternative financing mechanisms that align with Sharia principles. Additionally, the study reveals an increasing academic focus on fintech adoption in developing economies, particularly in Indonesia and Nigeria, where access to capital remains a critical challenge. The findings underscore fintech’s role in democratizing financial access for SMEs, bridging funding gaps, and fostering economic growth. Future research should investigate regulatory frameworks, risk management strategies, and technological adoption models to optimize the impact of fintech on sustainability in SME financing.

Community empowerment based on groups is an effective strategy to achieve food security in Lumban Gurning Village. This study aims to identify the potential and challenges in increasing food availability. With a participatory approach, community groups were formed to manage local resources sustainably. Data were collected through in-depth interviews, focus group discussions, field observations, and surveys. The analysis was conducted using the SWOT method and descriptive analysis. The results showed that empowerment groups were able to increase food production, diversify crops, and reduce dependence on external food. This initiative also raised awareness of the importance of a healthy diet and balanced nutrition, and facilitated the use of information technology for marketing local products. However, challenges such as access to capital, unmet weather, and infrastructure still need to be overcome. Collaboration between the government, non-governmental organizations, and the private sector is needed to support the absence of this program. By strengthening the capacity of community groups, it is hoped that Lumban Gurning Village can achieve better food security and encourage sustainable development.

Community empowerment based on groups is an effective strategy to achieve food security in Lumban Gurning Village. This study aims to identify the potential and challenges in increasing food availability. With a participatory approach, community groups were formed to manage local resources sustainably. Data were collected through in-depth interviews, focus group discussions, field observations, and surveys. The analysis was conducted using the SWOT method and descriptive analysis. The results showed that empowerment groups were able to increase food production, diversify crops, and reduce dependence on external food. This initiative also raised awareness of the importance of a healthy diet and balanced nutrition, and facilitated the use of information technology for marketing local products. However, challenges such as access to capital, unmet weather, and infrastructure still need to be overcome. Collaboration between the government, non-governmental organizations, and the private sector is needed to support the absence of this program. By strengthening the capacity of community groups, it is hoped that Lumban Gurning Village can achieve better food security and encourage sustainable development.

This study uses a qualitative method with a case study approach to analyze the contribution of MSMEs to Indonesia's economic growth. The results of the study indicate that MSMEs play an important role in accelerating economic growth through innovation and entrepreneurship, although there are still structural obstacles that hinder the development of this sector. Therefore, policies are needed that support access to capital, digitalization, and increasing the capacity and competitiveness of MSMEs so that they can survive and thrive in the era of globalization and digitalization.

This study examines the production costs and profitability of crab farming enterprises in Prapag Kidul Village, Brebes Regency. Using a quantitative descriptive approach, data were collected through in-depth interviews, field observations, and financial documentation from crab farmers. The research found that feed costs constitute the largest component of variable costs, accounting for 30% of total production costs. Financial analysis revealed favorable profitability levels with a Gross Profit Margin of 33%, Net Profit Margin of 24%, and Return on Investment of 30%. Factors significantly influencing profitability include cost management efficiency, market price fluctuations, crab quality, and access to capital. The findings suggest that systematic financial recording and cost management strategies are crucial for improving business sustainability and competitiveness in the crab farming sector.

This study aims to describe and analyze: The Contribution of Migrant Workers in Increasing Money Remittances and Achieving the SDGs.  The research is a qualitative descriptive analysis. The data analysis technique uses the technique developed by McNabb (2002), namely Grouping the data according to key constructs, Identifying bases for interpretation, Developing generalizations from the data, Testing Alternative interpretations and Forming and/or refining generalizable theory from case study. The results of the study show that migrant workers play an important role in the world economy, especially in developed countries as migration destination countries and contribute to the growth of the economy in their home countries, one of which is through remittances sent to their home countries. Indonesia is one of the countries that still sends migrant workers, where remittances from migrant workers are seen as one of the main sources of foreign exchange after petroleum. Migrant workers contribute to reducing the unemployment rate in Indonesia by: Increasing household income. Helping families left behind not work for a while. Increase family access to capital and credit for entrepreneurship. Encouraging a decrease in child employment rates Helping economic development in the region of origin. Encourage political and social change.  The use of remittances for productive activities is expected to increase investment in recipient countries. Remittances encourage improvements made by households in daily consumption, expenditure on education, health, and other expenses, so that it will affect economic growth. Remittances increase household incomes and are therefore a strong anti-poverty force in developing countries.  Not only that, migrant workers who return to their home countries (return migrants) also contribute to the economic and social conditions of their home countries. Remittances can contribute directly and indirectly to several SDGs. Remittances' contribution to the SDGs: SDG 1: Reduce poverty, SDG 8: Decent work and economic growth SDG 10.c: Reduce the cost of migrant remittance transactions.

The revitalization of coffee plantations is a strategic effort to enhance productivity and quality, particularly in Halmahera, which has favorable agroclimatic conditions. This study aims to analyze the implementation of revitalization programs and coffee cultivation practices adopted by the Permata Buli Farmers’ Cooperative in Geltoli Village, Maba District. A qualitative approach was used, involving field observations, interviews with farmers, and secondary data analysis related to coffee production and marketing. The results indicate that the adoption of sustainable farming techniques, such as selecting high-quality seedlings, agroforestry systems, and proper post-harvest management, contributes to increased productivity and coffee quality. Additionally, cooperative institutional support, access to capital, and government policies play significant roles in the success of coffee plantation revitalization. This study recommends optimizing farmer training, improving market access, and strengthening partnerships with the coffee processing industry to create a more sustainable and competitive coffee farming system.

This study analyzes the effectiveness of the MSME empowerment program in Madura Regency in improving community welfare. Empowerment programs that include entrepreneurship training, access to capital through People's Business Credit (KUR), and business assistance show positive results in increasing the capacity of business actors. Based on survey data, most of the program participants experienced an improvement in business management and marketing skills. The positive impact was also seen in the increase in average household income by 30% and the opening of new jobs. However, challenges remain, especially related to the equitable distribution of benefits in rural areas, low digital literacy, and program sustainability. This study uses a quantitative approach with a survey method, supported by the Theory of Change theory to analyze the impact of programs on socio-economic changes in the community. The results of the study show that the empowerment of MSMEs makes a real contribution to the welfare of the community, although continuous evaluation is needed to ensure the sustainability and equitable distribution of program benefits throughout the Madura Regency area. By strengthening the synergy between the government, financial institutions, and local communities, it is hoped that the impact of MSME empowerment can be more optimal.

Entrepreneurship plays a very important role in addressing unemployment through the creation of new jobs, increased innovation, and contributions to economic growth. This research aims to analyze the role of entrepreneurship in reducing unemployment by identifying factors that influence entrepreneurial success and examining government support and entrepreneurship education. The literature review results show that entrepreneurship can provide effective solutions in reducing unemployment rates, especially in rural and underdeveloped areas. Support in the form of access to capital, entrepreneurship education programs, and conducive regulations is crucial in supporting entrepreneurial development. In addition, social entrepreneurship also has great potential in addressing unemployment issues by creating social value besides economic profit. This research provides policy recommendations that can support the development of entrepreneurship as a strategic solution to reduce unemployment and improve community welfare.

This study examines strategies to increase financial literacy to encourage the growth of MSME financial performance in Semarang Regency. Using a qualitative approach, the study involved 120 MSMEs with data collection through in-depth interviews, observations, and focus group discussions. The results of the study show that the condition of financial literacy is still low, with 65.3% of MSMEs not doing regular financial records, 77.5% mixing business-personal finance, and 81.7% lacking understanding of financial products. Structured mentoring programs with a holistic approach have proven to be effective in increasing the financial management capacity of MSMEs, marked by an increase in turnover (35.2%), operational efficiency (24.7%), and access to capital (19.8%). Multi-stakeholder collaboration and digital technology integration are key factors in the success of the program. The research results in a financial literacy development framework that can be adapted for implementation in other regions.