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This study aims to analyze the service quality of the issuance of the Job Seeker Card (AK-1) at the Department of Manpower, Cooperatives, and Small and Medium Enterprises of Gorontalo City This study focuses on the five dimensions of service quality based on the SERVQUAL model Tangibles, Reliability, Responsiveness, Assurance, and Empathy The study is conducted based on the decline in the number of job seeker card service users year over year, indicating issues with service quality This study employs a qualitative, descriptive approach Data collection techniques include observation, interview, and documentation Data analysis uses the Miles and Huberman model, which consists of data reduction, data display, and conclusion drawing. The findings show that the service quality at the Department of Manpower. Cooperatives, and Small and Medium Enterprises of Gorontalo City is generally not yet optimal In terms of tangibles, service facilities still need improvement, particularly in the comfort of service rooms In terms of empathy officers have shown concern for the community, but it is not yet consistent across all service situations Responsiveness is considered fairly good, although delays in the service process still occur In terms of reliability, services are not yet fully consistent in providing accurate, precise results Meanwhile, in terms of assurance, officers provide polite and fairly convincing services, although their competence still needs Improvement The conclusion of this study indicates that the service quality of the issuance of the Job Seeker Card at the Department of Manpower Cooperatives, Small and Medium Enterprises of Gorontalo City Still requires improvement, particularly in enhancing facilities, human resource competence and service consistency to increase public satisfaction.

The Indonesian Civil Servants Cooperative (KPRI) plays an important role in enhancing member welfare and supporting the national economy. Nevertheless, increases in business volume and own capital do not necessarily translate into higher profitability, while the number of members an essential characteristic of cooperatives is also assumed to influence financial performance. This study aims to examine the effect of business volume and own capital on cooperative profitability, with the number of members acting as a mediating variable. A quantitative approach was employed using secondary data derived from the financial statements of KPRI in Bogor City during the 2020–2024 period. Purposive sampling was applied, resulting in 12 cooperatives with a total of 60 observations. Panel data regression analysis was conducted using EViews software, and mediation effects were tested using the Sobel test. The results indicate that business volume has a positive and significant effect on cooperative profitability, whereas own capital does not show a significant influence. The number of members has a negative and significant effect on profitability. Furthermore, the Sobel test confirms that the number of members does not mediate the relationship between business volume or own capital and cooperative profitability. These findings suggest that enhancing business activities and improving the quality of member participation are more critical for increasing cooperative profitability than merely expanding capital or membership size.

Cooperatives, as the backbone of the people's economy, play a strategic role in improving the welfare of their members, particularly through the management of business profits. This role becomes even more complex when cooperatives receive government assistance sourced from state finances, as its management concerns not only the internal interests of the cooperative, but also the public interest. In practice, the extensive authority of cooperative administrators is often not balanced with strict restrictions and effective oversight mechanisms, thereby creating the potential for abuse of authority and weak accountability. The purpose of this study is to determine whether legal regulations can limit the authority of administrators so that they do not abuse government assistance and to determine whether existing regulations provide adequate oversight mechanisms. The research method used was normative juridical with a statutory approach and a conceptual approach. The results of the study show that normatively, the authority of cooperative administrators has been limited through the principle of delegation from member meetings and accountability obligations, and reinforced by the state financial legal regime through government assistance. In addition, the supervisory mechanism has been regulated in layers through internal and external supervision, although in practice it still has the potential to be formalistic. The implication of this study is the importance of strengthening the implementation of authority restrictions and effective supervisory mechanisms in order to realize accountable, transparent, and sustainable cooperative governance, while maintaining public trust in government assistance programs.

Savings and Loan Cooperatives (KSP) play a vital role in expanding community access to capital, especially within the informal sector. Nevertheless, non-performing loans remain a persistent challenge that can threaten liquidity and long-term institutional sustainability. KSP CU Mera Ndi Ate faces similar issues, which are assumed to stem not only from administrative weaknesses but also from members’ perceptions and behavioral factors. This research aims to examine the potential causes of non-performing loans through text-based sentiment analysis using an unsupervised learning approach. A quantitative method with a data mining framework was applied. Data were gathered through interviews, observations, documentation, and 200 customer opinion texts processed using the Orange Data Mining application. The analytical stages included preprocessing, corpus development, feature extraction, sentiment clustering, and visualization. Because the dataset lacked predefined labels, unsupervised learning was used to identify naturally emerging sentiment patterns. Findings reveal a predominance of critical sentiments related to credit assessment procedures and service quality. The highest sentiment score (75) concerned insufficient creditworthiness evaluation, followed by concerns about service efficiency (66.6667). These insights suggest that improving assessment accuracy and service quality may help reduce non-performing loans.

Information technology is currently developing and growing rapidly in all fields, supported by the advancement of computer technology. The application of information systems can also be applied to the financial services sector, including cooperatives like K.S.P Al Hudori. The loan service system remains ineffective due to the manual data management process, which involves writing data into ledgers, which are easily lost or damaged due to the paper-based nature of the data. This research aims to implement a loan information system at K.S.P Al Hudori that can assist with loan data verification, search, and report generation. This information system was designed using Embarcadero XE2 and Microsoft Access 2007 as its database. This system has been implemented at KSP Al Hudori. It is hoped that this information system will simplify the loan management process at K.S.P Al Hudori.

This study aims to analyze the effectiveness of human resource (HR) governance in improving employee performance at the Serang City Cooperatives and SMEs Office in 2025. The research method used is a quantitative approach with a survey design, involving 100 employees as respondents. Data were collected through questionnaires and analyzed using multiple linear regression to test the effect of HR governance variables, which include planning, organizing, implementing, and supervising, on employee performance. The results of the study indicate that HR governance has a positive and significant influence on improving employee performance at the Serang City Cooperatives and SMEs Office. Specifically, clear HR planning, efficient organization, structured implementation, and effective supervision have been shown to increase employee productivity and work quality. The implication of this study is the importance of improving and strengthening HR governance as a strategy to improve employee performance, which ultimately can increase productivity, efficiency, and effectiveness in carrying out the duties and responsibilities of local government agencies.

The web-based MSME Data Collection Information System at the Central Sumba Cooperative, SME, Industry and Trade Office aims to improve efficiency in managing data and information related to Micro, Small and Medium Enterprises (MSMEs) in the Central Sumba region. This system is designed to simplify the process of data collection, monitoring, and reporting on MSMEs, which was previously done manually. Using web-based technology, this system can be accessed by MSME managers, local governments, and other relevant parties in order to accelerate data-driven decision making. This information system provides MSME data collection features, structured data storage, MSME development reporting, and statistical analysis that can assist in policy planning to improve the competitiveness and welfare of MSMEs in Central Sumba. With this system, it is hoped that it can support the development of the MSME sector in Central Sumba to be more transparent, accurate, and integrated.

The general problem faced by cooperatives is the low quality of Human Resources (SDM) managerial in managing the entities owned by these members. So the specific objective of this community service is directed at constructing the management's understanding of entrepreneurial-based cooperative management which is derived to answer 3 (three) specific problems, namely: (1) what is meant by cooperative entrepreneurship towards prosperous members?; (2) why is cooperative entrepreneurship important for student cooperative managers towards prosperous members? and (3) how to internalize cooperative entrepreneurship in student cooperative managers towards prosperous members? The method used is Focus Group Discussion (FGD) with participants being the management of the Student Cooperative (Kopma) al-Kautsar UIN Sayyid Ali Rahmatullah Tulungagung. The results of the service show that Kopma members have the same insight in perceiving cooperative entrepreneurship, namely the entrepreneurial spirit of members. Entrepreneurial spirit is a member modality shown by the creativity and independence of members. Meanwhile, the strategy to internalize cooperative entrepreneurship is by translating cooperative values ​​reflected in a responsible attitude implemented in the form of an Annual Members Meeting (RAT).

This study aims to determine the effectiveness of the Micro Business Actor Assistance program at the Bandung City KUMKM Office. Micro business actor assistance is a program of the Bandung city government through the Bandung City KUMKM Office where the micro business actor assistance program is a program to improve micro business actors so that they can be competitive and improve the quality of micro business actors. However, in its implementation, the Micro Business Actor Assistance at the Bandung City KUMKM Office has not been optimal and there are several obstacles such as the characteristics of the indifferent community and technical support still needs to be overcome to optimize the results of the program. Overall, Micro Business Actor Assistance is considered effective in achieving the goals of empowering micro business actors and improving quality and competitiveness at the Bandung City KUMKM Office. From the results of the study, it is known that 4 Themes, 9 Categories, and 108 Codes were found, the method used in this study is a qualitative method with a case study. In this study, data collection techniques were carried out by interviews, observation, documentation, and literature studies. The informants in this study include: Plta Kasie, head of the micro business sector, and assistants to micro business actors in the Kiaracondong, Batununggal and Lengkong sub-districts. The data analysis used in this study is the Miles & Huberman interactive model data analysis which consists of several components, namely data collection, data reduction, data presentation and conclusions or verification. Data analysis was carried out using the Atlas.ti software tool.

This study aims to analyze the effect of job satisfaction and organizational commitment on employee productivity at the Semarak Dana Mojokerto Savings and Loan Cooperative.  The problem of low discipline and performance of marketing staff is an important background, given the limited empirical studies on human resource factors in micro cooperatives in Indonesia.  This study uses a quantitative approach with a total sampling technique on 35 respondents.  The instrument, in the form of a questionnaire, consisted of 28 statement items measured on a 1–5 Likert scale, with validity and reliability tests showing good results (Cronbach's Alpha > 0.70). Multiple linear regression analysis was used with the help of SPSS 26. The results of the study show that job satisfaction has a significant positive effect on productivity (β = 0.723, p < 0.05), as does organizational commitment (β = 0.555, p < 0.05). Simultaneously, these two variables contribute to an increase in employee productivity with a coefficient of determination of 77.8%.  These findings support the theories of Locke (1976) and Meyer & Allen (1991) and are in line with previous studies, although the context of micro cooperatives provides unique characteristics. The practical implications of this study encourage cooperatives to strengthen their reward systems, provide training, and improve work SOPs, particularly in marketing services. The limitations of this study lie in the small sample size and cross-sectional design. Future research is recommended to use a larger sample, a longitudinal approach, and include moderator variables such as work motivation or organizational culture.

This study examines the strategic role of Koperasi Desa Merah Putih (Red and White Village Cooperative) in accelerating the achievement of the Sustainable Development Goals (SDGs) in Indonesia, using qualitative document analysis as the primary method. Key institutional documents—namely the Articles of Association/Bylaws (AD/ART) and the Village Medium-Term Development Plan (RPJMDes)—were analyzed to identify cooperative values, integration into local development planning, and contributions to specific SDG indicators. Findings reveal that the cooperative’s core principles—voluntary membership, inclusivity, democratic governance, and equitable profit sharing—align strongly with SDG 1 (No Poverty), SDG 5 (Gender Equality), and SDG 8 (Decent Work and Economic Growth). The RPJMDes analysis indicates formal recognition of the cooperative as a driver of economic empowerment, gender equity, and sustainable community development, with potential scalability to other villages and rural areas in Indonesia. Further analysis demonstrates how the cooperative actively promotes women’s participation in leadership roles, supports income-generating activities for marginalized groups, and encourages the localization of economic value chains. These practices foster not only economic inclusion but also enhance community resilience and social cohesion. However, several challenges were identified. These include inconsistent documentation quality, lack of standardized performance metrics, and limited results-based evaluation frameworks that hinder a thorough impact assessment. Additionally, there remains a gap in digitalization, which affects data transparency and accessibility. The study’s novelty lies in its document-based approach, offering a replicable model for assessing SDG readiness in similar rural institutions. Unlike interview-based studies, this method reduces subjective bias and highlights the importance of formal governance structures.

Penelitian ini merupakan studi pengaruh motivasi kerja dan kepemimpinan melalui kepuasan kerja terhadap kinerja pada karyawan koperasi simpan pinjam masa pandemi Covid–19 di Brebes. Populasi penelitian ini adalah beberapa pegawai Koperasi Simpan Pinjam Arta Graha Mandiri, Buana Arta Prima dan Anugrah Tani Makmur Kantor Cabang Utama Brebes yang berjumlah  250 orang. Metode pengumpulan data yang digunakan adalah kuesioner. Uji instrument penelitian ini menggunakan uji validitas dan uji reliabilitas. Teknik analisis menggunakan analisis regresi berganda. Hasil uji analisis berganda adalah motivasi kerja berpengaruh positif dan signifikan terhadap kinerja karyawan. Kepemimpinan berpengaruh positif dan signifikan terhadap kinerja karyawan. Motivasi  kerja berpengaruh positif dan signifikan terhadap kepuasan kerja. Kepemimpinan berpengaruh positif dan signifikan terhadap kepuasan kerja. Kepuasan kerja berpengaruh positif dan signifikan terhadap kinerja karyawan. bahwa kepuasan kerja dapat memediasi atau memperkuat pengaruh variabel motivasi kerja terhadap kinerja karyawan. Kepuasan kerja dapat memediasi atau memperkuat pengaruh variabel kepemimpinan terhadap kinerja karyawan pada koperasi simpan pinjam di Brebes.

Peningkatan kinerja merupakan hal yang diinginkan oleh pemberi kerja maupun para pekerja. Kemampuan berinovasi menggambarkan pengetahuan yang digunakan seseorang untuk memecahkan tantangan atau masalah. Pegawai yang inovatif dapat memecahkan tantangan yang terkait dengan pengetahuan mereka dengan lebih cepat, atau lebih mudah. Penelitian ini bertujuan untuk menganalisis motivasi kerja dan budaya kerja terhadap kinerja pegawai dengan komitmen kerja sebagai variabel intervening studi empiris di Dinas Koperasi, UMKM Perindustrian dan Perdagangan (Diskoperindag) Kabupaten Pemalang. Hasil penelitian adalah 1) Motivasi Kerja berpengaruh positif terhadap komitmen kerja, 2) Budaya kerja berpengaruh positif terhadap komitmen kerja 3) Motivasi Kerja berpengaruh positif terhadap kinerja pegawai 4) ) Budaya kerja berpengaruh positif terhadap kinerja pegawai 5) Komitmen kerja berpengaruh signifikan terhadap kinerja pegawai, 6) Hasil temuan efek mediasi pertama dapat disimpulkan bahwa komitmen kerja mampu memediasi pengaruh Motivasi Kerja terhadap Kinerja pegawai  7) Hasil temuan efek mediasi kedua dapat disimpulkan bahwa Komitmen kerja mampu memediasi pengaruh Budaya kerja terhadap Kinerja pegawai.

This research is motivated by the lack of UMKM Development Strategy by the Office of Small and Medium Enterprises Cooperatives and Trade in Tambaksari Village, Ciamis Regency. The purpose of this study was to determine how the umkm development strategy by the cooperative office of small and medium enterprises and trade in Tambaksari village, Ciamis Regency. The research method used is qualitative research with descriptive analysis.  The results showed that the umkm development strategy by the Office of Small and Medium Enterprises Cooperatives and Trade was not optimal, because there were obstacles, namely the lack of purchasing power of the community, the relatively small income of traders, and there was nothing from the Office of Small and Medium Enterprises Cooperatives and Trade related to business capital for business actors. This research can make umkm develop more widely and sustainably and can provide benefits and understanding of umkm development strategies by the Office of Cooperatives, Small and Medium Enterprises and Trade.

Village cooperatives have a strategic role in driving local economic growth and improving community welfare. However, suboptimal managerial management is often a major obstacle in achieving these goals. This study aims to analyze and identify strategies to optimize economic managerial in village cooperatives in Melarmukti Village, North Cikarang District. The method used is a descriptive qualitative approach through observation, interviews with cooperative administrators, village officials, and local communities. The results showed that cooperatives in Melarmukti Village still face various challenges, such as the lack of managerial training, the lack of periodic evaluations, and low collaboration with external parties. Optimization can be done through increasing the capacity of cooperative human resources, implementing a periodic evaluation system, and establishing strategic partnerships with financial institutions and universities. With targeted and sustainable managerial improvements, village cooperatives have great potential to become economic drivers and improve community welfare at the local level.

Badan hukum koperasi termasuk pihak yang tidak diizinkan untuk memperoleh Hak Milik atas tanah. Namun, pada faktanya cukup banyak koperasi yang mengakui Hak Milik atas tanah sebagai bagian dari aset koperasi. Hal ini dilakukan melalui mekanisme pinjam nama atau nominee, yang dapat dikategorikan penyelundupan hukum. Permasalahan dalam penelitian ini dirumuskan, sebagai: 1) Mengapa Pengurus Koperasi melakukan penyelundupan hukum dengan mekanisme pinjam nama untuk memperoleh Hak Milik atas tanah dan/atau bangunan? 2)Bagaimana perolehan Hak Milik atas tanah dengan mekanisme pinjam nama atau nominee oleh koperasi? 3) Apa akibat hukum dan solusi dari pembuatan perjanjian nominee guna memperoleh Hak Milik atas tanah oleh badan hukum koperasi? Penelitian ini menggunakan pendekatan yuridis empiris, dimana metode wawancara dengan teknik probing dipilih sebagai cara pengumpulan data penelitian. Objek penelitian ini adalah perbuatan pinjam nama yang dilakukan oleh Pengurus KSP Sejahtera Mandiri atas aset tetap tanah koperasi yang beralaskan Sertifikat Hak Milik Nomor 1315/Bumiharjo. Hasil penelitian menunjukkan bahwa penyebab Pengurus Koperasi melakukan perjanjian nominee adalah karena keengganan memiliki aset tetap beralaskan HGB.

Islamic microfinance institutions (IMFIs) in Indonesia have experienced notable progress in line with the growing public interest in Islamic economic principles. However, the competition between Islamic and conventional microfinance sectors is becoming increasingly intense. The LKMS BTM Artha Surya Cooperative, located in Tegal Regency, is currently facing pressure due to this competitive environment and must formulate an effective strategy to sustain and grow its business. This study aims to formulate a strategy using the Blue Ocean Strategy framework as an alternative to overcoming business rivalry. A qualitative approach was employed, gathering primary data through interviews and field observations at BTM Artha Surya Tegal, supported by secondary sources from relevant literature. The findings reveal that BTM Artha Surya has undergone transformation into Baitul Tanwil Muhammadiyah (BTM) Artha Surya and now provides various Sharia-compliant financing services. This research further elaborates on the murabahah financing process, including the recognition, measurement, and disclosure practices implemented in the financial statements of BTM Artha Surya Tegal.

Budget management is an important component in ensuring the success of government programs, such as Technical Guidance (Bimtek) at the NTB Provincial Cooperative and SME Service. The purpose of this article is to analyze the effectiveness of budget management related to the implementation of Bimtek activities in the field of cooperative development during the 2021–2023 period. The methods used include interviews with service employees, collection of budget and realization data, and comparative analysis related to planning and implementation each year. The results of the study showed a discrepancy between the planned and realized budgets, which was caused by problems such as late disbursement, codification, and complexity of the reporting system. Although most activities were successful with a success rate of 90%, especially in 2021 and 2023, there was a significant decline in efficiency and productivity in 2022. As a result, real-based planning, improved administration and reporting systems, and coordination between parties are essential to improve the effectiveness of budget management in ensuring the smooth implementation of Bimtek activities.

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.    

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