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This community service activity aims to empower small-scale poultry farmers in Bontang Lestari Village, Bontang City, East Kalimantan, through increasing technical, managerial, and institutional capacity. The implementation method includes identifying the potential problems of farmers, providing technical training based on local needs, and mentoring the formation of farmer cooperatives as a collective economic forum. A total of 30 farmers were actively involved in the entire series of activities. The activity results showed an increase in skills in making alternative feed, implementing biosecurity, and simple business records. Positive social impacts were also seen from the growth of community participation in group activities and joint marketing initiatives. This program shows that a participatory, potential-based, and collaborative approach can effectively strengthen the sustainability of community poultry farming businesses. This success is the basis for developing similar empowerment models in other areas with comparable characteristics.

This research aims to determine whether the budget formulation of the Merah Putih Village Cooperative is in accordance with the norms and statutory regulations as stipulated in Law Number 25 of 1992 concerning Cooperatives, particularly in relation to Article 33 paragraph (4) of the 1945 Constitution, which emphasizes the principle of independence in the national economy. The results of this study focus on optimizing the establishment of the Merah Putih Village Cooperative to support the formation of national-scale cooperatives that function not only as savings and loan institutions driving the economy, but also address the challenges and risks that may arise from the establishment of the Merah Putih Cooperative. First, the issue of economic scale is crucial. Operations at the village level are often limited by available resources and market reach. Second, human resource capacity is a determining factor. The management of funds amounting to IDR 3–5 billion requires financial, business, operational, and marketing management skills that are not always present in every village. Experience with Village-Owned Enterprises (BUMDes) shows that one of their main challenges is finding local residents who are truly skilled managers. Third, elite capture or control by local elites can become a bottleneck. In villages with weak governance, influential figures may abuse their authority to control the cooperative for personal gain. Similar occurrences are often found in grant programs from Ministries/Agencies or the private sector, where key individuals dominate and exploit these resources for their own interests. Fourth, the risk of fraud.

Improving financial management effectiveness in cooperatives, particularly Savings and Loans Cooperatives, can be better achieved through the implementation of an accounting information system. The effectiveness of an accounting information system refers to the extent to which the system can collect, process, store data, and provide information and reports in a timely manner. This study aims to examine the influence of personal technical skills, management participation, and the utilization of information technology on the effectiveness of accounting information systems. The sample consisted of 118 cooperative employees who use information systems in their daily work, selected using a purposive sampling method. Data collection was conducted through a questionnaire, and the analytical technique used was multiple linear regression analysis. The results show that personal technical skills, management participation, and the utilization of information technology have a significant positive effect on the effectiveness of accounting information systems. This study provides empirical evidence supporting the Technology Acceptance Model (TAM), which explains that the acceptance of a technology is mainly influenced by two key factors: perceived ease of use and perceived usefulness.  

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.

This study aims to analyze the conflict and ambiguity in the implementation of Sidoarjo Regent Regulation Number 84 of 2017 concerning the Arrangement and Empowerment of Street Vendors (PKL). The research applies a descriptive qualitative approach, using interviews, observation, and documentation as data collection techniques. The findings indicate that conflicts arise due to differing approaches among implementing agencies—particularly between the Department of Cooperatives and the Civil Service Police Unit (Satpol PP)—as well as enforcement procedures that do not meet the expectations of street vendors. Ambiguity stems from unclear authority distribution, weak data collection, overlapping regulations, and uncertainty in relocation and empowerment programs. Based on Richard E. Matland’s Ambiguity-Conflict Model, the policy’s implementation falls under the Symbolic Implementation category, marked by both high conflict and high ambiguity, leading to ineffective execution and stakeholder frustration. These findings highlight the need for better inter-agency coordination, regulatory socialization, and the development of strategic vendor locations to ensure a fair and sustainable policy implementation.   Keywords: Ambiguity, Conflict, Implementation, Policy, Street Vendors

This study investigates the influence of service quality, trust, and commitment on member loyalty in Women’s Cooperatives in Jember Regency, Indonesia. Amid increasing competition from financial institutions and a declining number of active cooperatives, member loyalty has become a critical factor for sustainability. Drawing upon the Key Mediating Variable (KMV) model and relationship marketing theory, this research highlights how service quality and trust shape long-term cooperative-member relationships. The study also explores the unique role of commitment in fostering member retention in a cooperative context driven by social empowerment and collective welfare. Findings from previous literature underscore the positive and significant effects of service quality and trust on loyalty, while commitment shows varied influence. The paper emphasizes the necessity for cooperatives to maintain high service standards and build strong emotional ties with members. This approach is essential for sustaining member engagement and positioning women’s cooperatives as agents of local economic development and female empowerment.

KSPPS BMT Dana Mentari Purwokerto faces tight competition with other cooperatives such as PNM Mekar Sudagaran Sidareja in supporting MSMEs through sharia financing. This study analyzes the competitive position of BMT Dana Mentari using the Competitive Profile Matrix (CPM) and formulates a sharia-based business strategy. A descriptive qualitative approach is applied with data from interviews (May 2025), observations, and documents (OJK, 2025). The CPM results show that BMT Dana Mentari has a score of 3.25, superior to PNM Mekar (3.05), with strengths in sharia compliance and personal service. The main weakness is digital technology. The proposed strategies include digitalization of mobile applications (2026) and development of musyarakah products, in accordance with the itsar principle. This study provides guidance for sharia cooperatives to increase the competitiveness and empowerment of MSMEs.

Digital transformation is one of the essential needs in the development of sharia cooperatives in the Industrial Revolution 4.0 era. Rapidly developing information technology requires microfinance institutions such as cooperatives to adapt, in order to remain competitive, efficient, and relevant in meeting the needs of their members. Two main technologies that play an important role in this transformation are big data and cloud computing. This article aims to examine in depth how the use of big data and cloud computing can support the digital transformation process in sharia cooperatives. Using a literature review approach from various scientific sources, this article analyzes the basic concepts, potential benefits, case studies, and challenges of implementing both technologies in the context of sharia-based cooperatives. The results of the study show that big data can improve data-based decision making, risk management efficiency, and personalization of services to members. Meanwhile, cloud computing provides flexibility, cost efficiency, and accessibility of cooperative information systems widely, even in areas with minimal IT infrastructure. However, the success of implementing this technology is greatly influenced by the readiness of human resources, digital infrastructure, and compliance with sharia principles. This article also provides practical recommendations and a further research agenda as a contribution to the development of technology-based sharia cooperatives.    

Credit Union (CU) Mandiri is one of the cooperative-based microfinance institutions that plays an important role in improving the economic welfare of the community in Pematang Siantar. This study aims to analyze the contribution of CU Mandiri in empowering its members through savings and loan programs, financial literacy training, and micro-business development. The method used in this study is a descriptive qualitative approach, with data collection techniques through interviews, observations, and documentation studies. The results of the study show that CU Mandiri not only provides affordable financing access for low-income communities, but also increases the awareness and ability of its members to manage their finances independently. Through cooperative principles such as solidarity and active participation of members, CU Mandiri has succeeded in creating an environment that supports local economic growth. However, challenges such as low financial literacy and limited capital are still obstacles that need to be addressed systematically.

MSME players or those who will establish a business sometimes experience difficulties in providing business capital, even though MSMEs are one of the driving forces of the economy in Indonesia, especially for small and medium communities. Cooperatives are one of the solutions for loan providers, especially for MSME players or those who will enter the world of MSMEs, because the system is flexible and uncomplicated. This research aims to see the efforts of Kemuning Mitra Persada Cooperative in developing MSMEs in Pematangsiantar. This research uses a qualitative analysis approach, where data collection techniques are carried out by interviewing the Kemuning Mitra Persada Cooperative.

Micro, Small, and Medium Enterprises (MSMEs) are the backbone of the Indonesian economy, playing a role not only in job creation but also in maintaining national economic stability. However, amidst the rapid development of the digital era, MSMEs face significant challenges in adopting technology to expand market reach and increase the competitiveness of local products. This research seeks to identify and develop simple innovations in designing effective digital promotional content, with a case study of the Alisa Khadijah Community of the ICMI South Tambun Branch. The analysis focuses on the actual conditions of MSMEs, the application of simple innovations in business processes and products, and digital promotional strategies that suit the characteristics of modern consumers. Through surveys and observations, it was found that the use of quality visuals, interactive elements, narrative storytelling, and internal collaboration can have a positive impact on increasing consumer visibility and engagement. The results show that most MSMEs that implement this content strategy experience a significant increase in digital interactions and product sales in a relatively short time. Furthermore, collaboration with the Cooperatives & MSMEs Office and educational institutions is a crucial factor in accelerating digital transformation, as it can provide access to technical assistance and training. Based on these findings, this study recommends the formation of innovation teams at the community level, the holding of ongoing workshops, and the development of collaborative platforms to share best practices and develop business networks. With the right approach, MSMEs can not only adapt to the digital era but also have the potential to expand their business scale and increase their competitiveness in the global market, thereby further strengthening their contribution to the Indonesian economy. This study recommends the formation of innovation teams within communities, practical workshops, and the development of collaborative platforms to increase MSME competitiveness in the digital market.

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. 

This study aims to examine the role of ecotourism in mangrove conservation and its appeal to tourists at Mangrove Beach Paluh Getah, Deli Serdang Regency. A qualitative approach was used, with data collected through direct observation and interviews with local communities and visitors. The findings indicate that ecotourism plays a significant role in rehabilitating mangrove ecosystems by engaging both residents and tourists in regular mangrove planting activities. Moreover, ecotourism positively impacts local livelihoods by promoting sustainable businesses such as tour guiding services and mangrove-based products. The natural beauty, biodiversity, and educational tourism programs serve as key attractions for visitors. Local communities actively manage the area through tourism awareness groups and cooperatives, enhancing both social and economic sustainability. However, challenges remain, including limited facilities and insufficient promotion. Therefore, sustainable development strategies involving collaboration between communities, the government, and the private sector are essential. Ecotourism at Paluh Getah Mangrove Beach holds great potential as a model for coastal area management that integrates conservation and community empowerment.  

In order to provide financial access to groups in society that are not yet fully served by formal financial institutions, cooperatives have become very important. LKMS Amanah Berkah Nusantara Cooperative is one example of a sharia cooperative, with a non-profit model and a strong social orientation, this cooperative is here to be a solution to financial problems in the business being run. The cooperative needs to be more adaptive in strategizing its development in the face of changes in the current external environment. This research uses the Matrix Space approach, measuring four dimensions, namely financial strength, competitive advantage, industry strength and external environmental stability. As a result, Amanah Berkah Nusantara MFI Cooperative is in an aggressive strategy position as shown through the calculation of space coordinates (X = 4; Y = 0.67), which means that the cooperative has significant strengths in industrial strength and fairly good environmental stability, although it still faces challenges in terms of internal efficiency and technological competitiveness. The most recommended strategy is an active growth strategy that includes regional expansion outside the sub-district, strengthening the inetrnal digitalization system, and differentiating services through intensive assistance to customers

Compared to other Islamic financial institutions, Islamic cooperatives are one type of financial institution that is still less known in the community. This can be seen from the lack of familiarity of the term sharia cooperative to our society. This research is a qualitative research, in accordance with the object of study, this type of research is included in the category of library research, which is a systematic approach to collecting, analysing, and evaluating relevant information from various academic sources. By 2022, there were 3,912 active sharia savings and loan cooperatives (KSPPS) in Indonesia. This indicates a significant expansion in the number of Islamic cooperative institutions during this period when compared to the previous period, when there was a Covid-19.There needs to be an Islamic cooperative development strategy in Indonesia in order to optimise the role of Islamic cooperatives in improving the MSME sector in Indonesia.The element of need that is the main key in the development strategy of Islamic cooperatives in Indonesia to improve MSMEs is the need for strong support in the legal aspects of Islamic cooperatives (positive law and sharia law).

This study aims to evaluate the performance of KSP Satria B Cilongok using the Malcolm Baldrige Framework for Performance Excellence. The research employed a qualitative descriptive approach with data collected through direct observation and in-depth interviews with the cooperative’s leadership on May 4, 2025. Analysis was conducted based on seven categories within the Malcolm Baldrige Excellence Framework. Findings indicate that KSP Satria B Cilongok has implemented visionary leadership, customer-focused service, data-driven management, and effective risk and workforce management. The cooperative’s performance continues to improve, demonstrated by stable growth in members, net income (SHU), and transaction volume. Furthermore, adherence to organizational ethics and transparency has been a key factor in building member trust. This study contributes by integrating the Malcolm Baldrige principles into the management of small to medium-sized savings and loan cooperatives in Indonesia, presenting a novel application of the framework in the local context

This study aims to determine the effect of the number of MSME units and the labor force on economic growth (GRDP) in Gorontalo City. The study method used is quantitative, with data analysis techniques employing classical assumption test and hypothesis testing, and analyzing the data using multiple linear regression analysis with the assistance of IBM SPSS 21 software. The data used in this study include secondary data obtained from the Statistics of Gorontalo City and the Department of Manpower, Cooperatives, and MSMEs of Gorontalo City. This study consists of a dependent variable, which is the economic growth (GRDP) of Gorontalo City, and independent variables, which are the number of MSME units and the labor force during the period of 2020-2024. The results indicate that simultaneously, the variables of the number of MSME units and the labor force affect economic growth (GRDP) in Gorontalo City significantly. The variable of the number of MSME units, when considered individually, has a positive and significant effect onn economic growth (GRDP) in Gorontalo City. Meanwhile, the labor force variable has a positive and significant effect economic growth (GRDP) in Gorontalo City.

Descriptive analysis of the implementation of sharia financial accounting standard reports of BTM BiMU Bandar Lampung is presented in this paper. Accounting principles related to the presentation of financial statements in accordance with PSAK 101 concerning sharia financial statements and recognition, measurement, presentation, and disclosure of murabahah transactions based on PSAK 102 concerning mudharabah are the subject of the study. KSPPS BTM Bimu Bandar Lampung City is the target of the study. The qualitative methodology and primary data used in this study were obtained from BTM BiMu. The results of the study indicate that KSPPS BTM Bimu has not implemented accounting procedures in accordance with sharia PSAK.

This study looks at bad debt resolution strategies and their effect on the financial performance of Semerbak Citra Wangon Saving and Loan Cooperative (KSP) using the SPACE Matrix technique. The financial stability of cooperatives is severely threatened by bad debts, which can reduce liquidity and profitability. The four main dimensions of the SPACE Matrix approach - industry strength (IS), environmental stability (ES), competitive advantage (CA), and financial strength (FS) - were used to evaluate the cooperative's strategic position. The conclusion of the analysis, which places the cooperative in the aggressive quadrant (coordinates 5.00, 2.67), indicates that the cooperative has significant internal strengths and outward growth potential. Some recommended strategies include improved market segmentation, longer loan periods, liability restructuring, and lower interest rates. These strategies are expected to improve the cooperative's long-term financial stability and reduce the likelihood of bad debts.

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..