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This research investigates the impact of credit services provided by Makmur Bersama Savings and Loan Cooperative on the income of its members in three main dimensions, namely credit contribution, credit services, and business improvement through credit services. The research employs a quantitative approach using the SPSS version 22 statistical tool. The study was conducted in the Jati Rungo Village, Pringapus District, Semarang Regency, Central Java, with the entire population of members serving as the sample. The results of the analysis indicate that the credit contribution variable has a relatively small but significant influence on member income, while the credit services and business improvement through credit services variables have a positive and significant impact on member income. Simultaneous hypothesis testing confirms the significant effect of at least one independent variable on member income. In conclusion, the observed factors such as credit contribution, credit services, and business improvement through credit services have a significant influence on cooperative member income, providing crucial insights for cooperative management to enhance services and financially empower their members.

This research aims to analyze the contribution of credit, level of member satisfaction, and credit services to increasing business income through credit services for members of the Karya Cipta Mandiri Cooperative in Sendangwaru Village, Semarang Regency, Central Java. Using a quantitative approach and SPSS statistical tools, research was conducted on 150 cooperative members who used credit for productive activities. According to the results of descriptive statistical data analysis, member satisfaction levels, credit services, credit contributions, and income increases are all average variables. Classic assumptions such as normality, heteroscedasticity, multicollinearity, and autocorrelation were tested to verify the multiple linear regression model used in the research. According to multiple linear regression analysis, credit contribution and member satisfaction levels have a positive and significant effect on increasing members' business income. In contrast, credit services are not proven to have a significant effect on increasing income. Simultaneous and partial tests show that the three independent variables influence the dependent variable simultaneously.