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Cooperatives are business entities based on family principles and aim to improve the welfare of members. Organizational and capital completeness are two important factors that determine the effectiveness of cooperatives in achieving their goals. Organizational completeness refers to the structure and governance of a good cooperative, including the existence of an optimally functioning board, supervisor, and member meeting. This research uses a qualitative method. The results of this study reveal that a complete cooperative organization is the key to success in running a cooperative system. In addition to having complete administrators, supervisors, and member meetings, cooperatives also need to have a strong institutional structure. In addition, in terms of capital, having sufficient sources of funds will enable the cooperative to develop its business, expand its range of services, and have financial resilience in the face of risks that may arise. Thus, the overall comprehensiveness of the cooperative's organization and capital will be instrumental in determining the success of the cooperative system. Both aspects support each other to create an operational environment that is stable, transparent, and able to respond to challenges and opportunities in the market.

Natuna Regency is one of the areas that has abundant marine potential and is one of the people's livelihoods. The backwardness of Natuna Regency as a lagging 3T region, foremost, and outermost is one of the obstacles that make Natuna Regency untouched from various assistance programs from the central government in providing assistance to the people in Natuna Regency. The Integrated Marine and Fisheries Center (SKPT) is one of the programs of the Ministry of Marine Affairs and Fisheries in the development of small islands and spatial-based borders and the marine and fisheries sector as the main driver. The main objective of this SKPT program is to utilize the marine and fisheries potential of Indonesia's outer islands to increase the capacity of the main actors in marine and fisheries and improve the welfare of the main actors in the marine and fisheries sector in a sustainable manner. The research method used descriptive qualitative with the number of informants 3 people. The results of this study are known that: (1) the effectiveness of the integrated marine and fisheries center program in the fishing cooperative of East Bunguran District, Natuna Regency is administratively effective, because the purpose of this program is clear, which is given to cooperatives and distributed to fishermen, (2) aid ships cannot be used because capital is needed and kapa cannot be used in the Natuna Sea,  (3) that the adequacy of the integrated marine and fisheries center program in the fishing cooperative of East Bunguran District, Natuna Regency is not sufficient, (4) the assistance vessels provided have been distributed equally to the KUB in East Bunguran District, (5) the community responded positively and very enthusiastic with the assistance of the ship, (6) assistance was distributed appropriately, namely to fishermen in East Bunguran District. The conclusion of the evaluation of the integrated marine and fisheries center program in the East Bunguran District Fisherman Cooperative has not been successful because the assistance vessels provided cannot be used by fishermen with specifications that are not in accordance with the wishes of the community and the conditions of the Natuna Sea.

This research aims to determine whether work life balance and work environment have a positive and significant influence on employee morale at the Bima City Cooperatives, Industry and Trade Department. The research instrument used a questionnaire with a Likert scale. The population in this study was 64 employees consisting of 34 civil servants, 7 honorary employees and 23 contract employees. The sample in this research was 34 Civil Servants with the sampling technique used, namely purposive sampling technique. Data collection techniques use observation, questionnaires, documentation. Data analysis techniques use validity tests, reliability tests, multiple linear regression tests, classical assumption tests, correlation coefficient tests, coefficient of determination, t tests and f tests with the help of SPSS version 23 for Windows. The results of the research show that there is a partially significant positive influence of Work Life Balance on employee morale, there is a partial positive and significant influence of the work environment on employee morale, there is a simultaneous positive and significant influence of Work Life Balance and the work environment on employee morale in Bima City Department of Cooperatives, Industry and Trade.    

This research investigates the impact of work motivation and leadership, mediated by job satisfaction, on employee performance in savings and loan cooperatives during the Covid-19 pandemic in Pemalang. The population consists of employees from Koperasi Simpan Pinjam Muti Artha Utama, Graha Mandiri, and Merdeka Makmur the Main Branch Office in Pemalang, totaling 250 individuals. Data collection is conducted through a questionnaire, and the validity and reliability of the instruments are assessed through appropriate tests. The analytical approach involves multiple regression analysis. The findings from the multiple regression analysis indicate that work motivation positively and significantly affects employee performance, while leadership also demonstrates a positive and significant impact on employee performance. Furthermore, work motivation is found to exert a positive and significant influence on job satisfaction, and leadership similarly shows a positive and significant impact on job satisfaction. Job satisfaction is then identified as having a positive and significant effect on employee performance. The results suggest that job satisfaction serves as a mediator, enhancing or fortifying the influence of work motivation variables on employee performance. Similarly, job satisfaction acts as a mediator, amplifying the impact of leadership variables on employee performance within savings and loan cooperatives in Pemalang.

The use of technology is one solution in helping problems in various circles, both in the world of education and in companies. One of them is the application of an accounting information system to enter, process or report a company's accounting. This application can produce data processing quickly and accurately. This will of course save time and also reduce errors that occur when work is done manually. Like cooperatives, cooperatives must use an accounting information system so that work can be done quickly and accurately. PGRI Kosera's activities in Central Java are in the savings and loans sector. The savings and loan recording process at Kosera PGRI Central Java is not very effective, and because the recording process is repetitive, there is still too much risk of inaccurate and quick misinformation to be reported using Ms. Excel still requires previous data processing from bookkeeping, both deposits, loans and installments, resulting in delays in submitting reports to management. Therefore, in a computerized system that can process membership data, journals, savings transactions, loans and installments, reports made by the Kosera Pgri Cooperative will be valid in programming languages, especially in calculating installment interest costs and financial reports. From the results of the program created, data entry errors and interest calculation errors can be reduced, financial reports can be produced more quickly, and effective and efficient achievements can be achieved.

The use of technology is one solution in helping problems in various circles, both in the world of education and in companies. One of them is the application of an accounting information system to enter, process or report a company's accounting. This application can produce data processing quickly and accurately. This will of course save time and also reduce errors that occur when work is done manually. Like cooperatives, cooperatives must use an accounting information system so that work can be done quickly and accurately. PGRI Kosera's activities in Central Java are in the savings and loans sector. The savings and loan recording process at Kosera PGRI Central Java is not very effective, and because the recording process is repetitive, there is still too much risk of inaccurate and quick misinformation to be reported using Ms. Excel still requires previous data processing from bookkeeping, both deposits, loans and installments, resulting in delays in submitting reports to management. Therefore, in a computerized system that can process membership data, journals, savings transactions, loans and installments, reports made by the Kosera Pgri Cooperative will be valid in programming languages, especially in calculating installment interest costs and financial reports. From the results of the program created, data entry errors and interest calculation errors can be reduced, financial reports can be produced more quickly, and effective and efficient achievements can be achieved.

This study aims to determine how the financial performance of the Lorosae Makassar Business Cooperative in terms of ratio analysis. Data analysis method used ratio analysis. The data collection methods use are library research, observation, interview and documentation.. The results of this study indicate the analysis of the overall liquidity, solvency and profitability ratios based on processed data shows that the financial performance of the Multipurpose Business Cooperative Lorosae Makassar for the period 2016, 2017 and 2018 has not been optimal or is not well assessed yet based on regulatory standards. The State Minister for Cooperatives.

This research aims to examine the effect of non-performing loans on economic profitability in the Balo' Toraja Savings and Loans Cooperative, Makale District, Tana Toraja Regency. The type of research used in this research is quantitative descriptive research. The unit of observation in this research is the financial report and non-performing loans for 2016-2020. The results of this research show that there is an influence of non-performing loans on economic profitability, which means that if non-performing loans increase, economic profitability will decrease, and vice versa, if non-performing loans decrease, economic profitability will increase.

Micro, Small, and Medium Enterprises (MSMEs) play a vital role in driving Indonesia's economic progress, as they contribute significantly to job creation and increasing Gross Domestic Product (GDP). However, MSMEs are facing various challenges that hinder their ability to contribute optimally. This article aims to analyze the impact of MSMEs on Indonesia's economic growth, with an emphasis on policy perspectives and implications. The research uses a descriptive qualitative and quantitative approach, with secondary data obtained from the Central Statistics Agency (BPS), the Ministry of Cooperatives and SMEs, and relevant academic literature. The results show that MSMEs contribute more than 60% to Indonesia's GDP and create more than 97% of the workforce. However, challenges such as access to capital and technology hinder the growth of MSMEs. Policy recommendations include improving access to capital, technology support, and entrepreneurship training. Further research is needed to better understand the impact of MSMEs and to develop effective innovation and technology strategies.  

Poverty is a common problem for developing countries, especially to improve the welfare of their citizens. With various programs and policies being pursued with the aim of reducing poverty. Islam really wants its people to have a decent life and receive blessings in life and the afterlife. This means that Islam really wants its people to achieve prosperity. In this paper, the method used is descriptive qualitative which aims to describe regularly and factually. This research comes from literature such as books, journals and articles related to research. The findings of this research are that Islam views poverty not only as a social problem, but also as having spiritual and religious implications. One of the efforts to overcome poverty is environmental empowerment and entrepreneurial empowerment. The strategy for alleviating poverty that can be carried out from an Islamic economic perspective is by developing an economy based on zakat, cooperatives, education, health and transportation.

The development of information technology has provided numerous benefits in the advancement of various organizations. One government organization that has implemented information technology to support its business processes is the Department of Cooperatives and SMEs of East Java Province. With the increasing number of information technology services used by the Department of Cooperatives, new challenges and consequences inevitably arise in the service maintenance process when an incident occurs with the information technology services. Unfortunately, the Department of Cooperatives appears to lack a clear procedure and guidelines for incident handling due to the absence of a related SOP. The purpose of this thesis is to formulate a Standard Operating Procedure related to incident handling that can be utilized by the Department of Cooperatives as a standard or reference, particularly in resolving incidents in information technology services. The SOP formulation uses the ITIL V3 framework because this framework includes the Service Operation domain, which contains the incident management process formulated based on best practices. Data collection for this thesis will be conducted through interviews and using the RACI Chart to determine the interviewees. This thesis results in 3 Standard Operating Procedures, 3 Record Documents, 1 Form, and 1 Priority Guide document, all of which are formulated based on the relevant framework and have been validated by the Department of Cooperatives and SMEs of East Java Province.

This study emphasizes the functions of the Indonesian Deposit Insurance Corporation (Lembaga Penjamin Simpanan, LPS) in savings and loan cooperatives (KSP), such as managing funds and managing risks. KSPs play an important role in the micro economy, especially in providing financial access to people who are not served by banks and other formal financial institutions.  This research employs a qualitative methodology and uses a literature review approach. A qualitative approach was chosen as it allows for a more in-depth understanding of the complex issues of risk management, fund management, and deposit insurance functions in savings and loan cooperatives in Indonesia. To ensure the viability and health of this sector that aims to make a significant contribution to financial inclusion and inclusive economic growth, the government, financial institutions, and cooperatives must work together. To advance the savings and loan cooperative sector in Indonesia, strategic measures should be taken, such as improving risk management and supporting IDICs. Ultimately, this will support the stability of the national financial system and the economic well-being of people in Indonesia.

The development of MSMEs (Micro, Small, and Medium Enterprises) in Indonesia has been quite rapid, especially with the occurrence of the Covid-19 pandemic worldwide, which has dampened economies globally. Several studies have also found that MSMEs and cooperatives play a crucial role in driving local economic growth by creating new job opportunities, especially in underdeveloped areas. With the presence of MSMEs and support for digitalization through the utilization of e-commerce platforms, this becomes one of the essential strategies for MSME players in Indonesia, particularly in Serang City, to market and promote their products widely. The research method employed is a case study based on previous research on the impact of MSMEs that have adopted e-commerce. The research results indicate that the implementation of e-commerce has a significant positive influence on the growth of MSMEs in Serang City.

To determine the influence of understanding accounting and capital readiness on the efficiency of basic food business income. Quantitative is a research method that uses data in the form of numbers and the collected data is analyzed using statistical formulas. The population that will be used in this research is MSME actors, especially basic food businesses registered with the Bayung Lencir District Cooperatives, Small and Medium Enterprises Service, totaling 100 MSME business actors. The classical assumption test is a prerequisite for multiple regression analysis, this test must be influenced so that the estimates of parameters and regression coefficients are not biased. In testing this class of assumptions, namely the normality test, multicollinearity test, heteroscedasticity test, autocorrelation test. Partially, accounting records have a more dominant influence than capital readiness in increasing income efficiency. This shows that understanding accounting records is very influential in increasing revenue efficiency and business sustainability, because by understanding accounting records, business actors can manage business finances and make decisions about managing their business easily.  

Financial ratio analysis is the basis for assessing the performance of the cooperative in managing its financial resources in a given period. Analysis of financial performance KSPPS Al-Hikmah done with regards to the decline in the financial performance of the last few years, whereas KSPPS Al-Hikmah had won the award as the best cooperative of its performance as the city of Bogor.  The method used is quantitative method with a descriptive format. The results of these calculation of ratio are then compared with the standard of regulation of Cooperatives and SMEs RI No.06/Per/M.KUKM/V/2006 on Guidelines for Assessment of Cooperative Achievement. The purpose of this study is to determine the financial performance of the KSPPS Al-Hikmah years 2012-2015 in terms of the level of profitability, liquidity and solvency. The results showed that the financial performance KSPPS Al-Hikmah years 2012-2015 seen from the aspect of profitability, liquidity and solvency are generally still below the standard regulation of Cooperatives and SMEs RI No.06/Per/M.KUKM/V/2006. Although in terms of profitability is generally performed quite well, which is between the standard value. KSPPS Al-Hikmah should make corrections to assets in order to make greater contributions in generating SHU, and is expected to increase the capital by attracting more customers cooperatives.    

The challenges faced by cooperative Human Resources (HR) in the era of Society 5.0 are becoming increasingly complex because they require the integration of digital technology with human needs, forcing cooperatives to not only focus on technological progress alone but also on developing their human resources. This research aims to understand in-depth and provide solutions to the challenges faced by cooperative HR. This study uses a qualitative approach with a systematic literature review method and is searched comprehensively using relevant keywords in searches through various online databases. The literature selection process was carried out by considering the reputation of the journal and the recency of the publication (last 5 years) and analyzed in depth using the content analysis method. The conclusion from the research findings is that the challenges for cooperative human resources in the era of society 5.0 are: adaptation to digital technology 5.0 era, cultural transformation, development of new skills, retaining members, collaboration and partnerships the 5.0 era

This research aims to examine the Legal Protection for Cooperative Members in Standard Agreements on Digital Financial Services as well as the Legal Protection provided to Cooperative Members if there are problems with Digital Financial Services. The legal research method used by researchers is normative legal research. Normative legal research uses legal behavioral products, for example reviewing laws. The results of this research show that the legal protection provided to cooperative members regarding standard agreements is preventive legal protection, namely creating regulations in this case standard agreements and repressive legal protection aimed at resolving disputes arising from legal consequences. The legal remedies that can be taken are Litigation and Non-Litigation.

A cooperative is a joint business entity operating in the economic sector, whose members are generally those from a weak economy who join voluntarily and on the basis of equal rights, are obliged to carry out a business aimed at meeting the needs of its members. The problem in this thesis is to find out the development of cooperative regulations in Indonesia based on Law Number 25 of 1992 concerning Cooperatives, the Roles and Responsibilities of Cooperative Management and Members in the Distribution of Remaining Business Results in Thrifty Village Unit Cooperatives. The formulation of the problem that will be discussed in this thesis is: 1) What are the responsibilities of cooperative management both outside and inside the cooperative based on Law No. 25 of 1992? 2) What is the position of members in the cooperative accountability system? 3) What is the legal review of the implementation of loan agreements at the Thrifty Village Unit Cooperative? The type of research in preparing legal writing is normative legal research or library legal research. The purpose of normative legal research is research carried out by examining library materials or secondary data consisting of primary legal materials, secondary legal materials and tertiary legal materials. These materials are then arranged systematically, studied and then conclusions are drawn regarding their relationship to the problems studied. Based on Article 34 of Law Number 25 of 1992 concerning Cooperatives, the responsibility of cooperative administrators as cooperative managers for cooperative losses is responsible both jointly and individually bear the losses suffered by the cooperative if the losses suffered by the cooperative are caused by intention or negligence by the cooperative management. This is closely related to the obligations imposed on cooperative management which must be based on good faith. In this case, the management of the economical village unit cooperative did not provide accountability as regulated in the Law. The role of supervisors in supervising the work of cooperative management is considered less than optimal, because they still lack knowledge and ability regarding the duties and authority for which they are responsible.

The purpose of the study was to analyze how the role of Civil Service Cooperatives Medan city government in improving the welfare of its members. This research is in the form of descriptive qualitative research. Researchers conducted observations, notes, and interviews during the data collection process. From the results of the study shows that the cooperative civil servants (KPN) Medan City Government has a very large role in the welfare of its members. The benefits include the provision of ease of Business Financing assistance services, educational scholarships for family members and the provision of training/workshops to improve the ability of human resources (HR). And also advised to cooperatives should cooperatives always improve and maintain the efforts that have been made in improving the welfare of members who are members and always make improvements to the efforts that the target has not been achieved. cooperatives always remain guided by the principles, foundations, principles, and goals of cooperatives in improving the welfare of cooperative members.    

This research aims to determine the role of banking cooperation with cooperatives and the obstacles to the role of banking cooperation with the Karya Baru village unit cooperative (KUD), Teluk Tigo Village, Cermin Nan Gedang District, Sarolangun Regency. This thesis uses qualitative research methods, the data sources used are primary and secondary data sources with data collection techniques and instruments through observation, interviews and documentation. The research results show that this cooperative collects funds from its members in the form of mandatory savings, principal savings and voluntary savings. However, in carrying out cooperative activities, the cooperative management has not yet collaborated between the bank and the cooperative. The role of banking in this case is simply a place to store money for the administrators of the Karya Baru Village Unit Cooperative (KUD) in Teluk Tigo Village. There are no mutual benefits provided by either the cooperative or the banking sector, so members continue to withdraw money/borrow money through the cooperative in cash. One of the factors supporting the achievement of the goals of a program is its implementation. If the implementation of a program is good and on target, then the program can also have an impact on society. However, in this case the obstacle faced by the cooperative management is the lack of understanding of the management so that the cooperative being run is not very optimal so that the community does not have confidence in its management.