Publication Search

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.

This study aims to analyze the effect of service quality and trust on members’ decisions to use the services of Koperasi Simpan Pinjam (KSP) Pamuji in the Soloraya region. Savings and loan cooperatives play an important role in providing financial access for the community; therefore, service quality and members’ trust are crucial factors in sustaining cooperative services. This research employs a quantitative approach with an explanatory research design. Data were collected through a structured online questionnaire distributed to 201 respondents selected using purposive sampling techniques. Data analysis was conducted using multiple linear regression with the assistance of SPSS version 27. The results indicate that service quality has a positive and significant effect on service usage decisions, as evidenced by a regression coefficient of 0.504 and a significance value below 0.05. Trust also shows a positive and significant effect on service usage decisions with a regression coefficient of 0.375. Simultaneously, service quality and trust explain 82.5% of the variation in service usage decisions. These findings confirm that positive service experiences and high levels of trust are key determinants in encouraging members to use cooperative savings and loan services. The results of this study are expected to provide practical insights for cooperative managers in formulating strategies to improve service quality and strengthen members’ trust in order to enhance sustainability and competitiveness.

This study aims to analyze the implementation of financial reporting and evaluate the economic performance of Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) Nur Insani during the period from 2022 to 2023. A descriptive qualitative method was employed, utilizing secondary data from the Statement of Financial Position, Cash Flow Statement, and Operating Results Report published by the cooperative. The findings indicate that KSPPS Nur Insani has implemented a computerized financial recording system, which enhances accuracy, transparency, and operational efficiency. However, the cooperative experienced significant financial pressure in 2023, as indicated by decreases in cash and cash equivalents, total assets, and temporary syirkah funds, both short-term and long-term. These declines reflect weakened liquidity and reduced fundraising capacity from members. Despite these challenges, the cooperative succeeded in increasing its Net Operating Results (SHU), demonstrating effective revenue management and operational cost control. Overall, the profitability of KSPPS Nur Insani remains positive, yet strategic improvements are necessary, particularly in strengthening liquidity management, increasing funding sources, optimizing asset utilization, and enhancing digital system implementation to support better financial governance. These strategic efforts are expected to improve business sustainability and maintain member trust in the future.

This study aims to analyze the role of the Makmur Mandiri Savings and Loan Cooperative (KSP) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). KSP Makmur Mandiri serves as a microfinance institution providing financial access and business mentoring for MSME actors. The method used is qualitative descriptive with a Group Investigation approach, involving group discussions to gain deeper insights from relevant literature sources such as journals and books. The theoretical review supports understanding the cooperative’s role in improving member welfare and the obstacles faced in managing and developing MSMEs. The findings show that KSP Makmur Mandiri has succeeded in providing continuous capital and support, helping MSMEs to survive and grow despite economic challenges, especially after the pandemic. However, the cooperative faces various internal and external obstacles that require strategic collaboration for sustainable development. The implication of this study is to encourage enhanced managerial capacity of cooperatives and the need for stronger government policy support to optimize the cooperative’s role as a strategic partner for MSMEs.

Cooperatives play a significant role in Indonesia’s economic system because they aim to enhance member welfare through collective ownership and cooperative principles. To maintain accountability, cooperatives are required to prepare financial reports following the Financial Accounting Standards for Entities Without Public Accountability (SAK ETAP). This study examines how SAK ETAP is applied in the financial reporting practices of Koperasi Simpan Pinjam (KSP) Mandiri Sejahtera, Comal Branch. Using a qualitative descriptive method with a case study approach, data were gathered through interviews and an analysis of the 2022 financial statements. The results indicate that although the cooperative has implemented several elements of SAK ETAP, full compliance has not been achieved due to limited human resources and the absence of an integrated reporting system. Nevertheless, the preparation of PPAP reports reflects prudence in managing credit risk and highlights the need for digital systems and improved accounting skills to strengthen transparent and accountable financial management.

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.  

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.

This study is motivated by the increasing competition among cooperatives and the declining number of members at BMT Assyafi’iyah in recent years. This condition indicates the presence of various factors influencing people's decisions in choosing Islamic financial institutions. The purpose of this research is to analyze the influence of advertising, financial literacy, and personal selling on the decision to become a member of a savings and loan cooperative from the perspective of Islamic business principles. The research was conducted at BMT Assyafi’iyah, Sumberagung District, Pringsewu, involving 89 respondents selected through purposive sampling. A quantitative approach was used with the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. Data were collected through questionnaires and analyzed using statistical techniques. The results show that advertising has no significant effect on membership decisions, while financial literacy has a significant influence, and personal selling is the most dominant factor. These findings suggest that financial understanding and direct interaction are more effective in attracting prospective members than advertising strategies.

The objective to be achieved from this research is to find out how financial performance is assessed using financial reports carried out by the CU Damai Sejahtera Savings and Loans Cooperative. The aim to be achieved from this research is to find out how financial performance is assessed using financial reports carried out. This research uses quantitative research methods. Quantitative research methods are methods that use number calculations which will later be used to make decisions in solving a problem. Here, researchers use quantitative research methods because this research explores the phenomenon of Financial Report Analysis as a Basis for Financial Performance Assessment (Case Study: CU Damai Sejahtera Savings and Loans Cooperative). In taking this research, researchers used the Saturated Sampling Technique. Saturated sampling technique is a sampling technique that uses all members of the population as samples. Therefore, this research uses the entire population as a sample, namely the financial reports of the CU Damai Sejahtera Savings and Loans Cooperative for 3 years, namely 2020-2022. Based on research results in 2020, the financial performance of the CU Damai Sejahtera Savings and Loans Cooperative based on the Return On Assets (ROA) ratio in 2020-2022 is quite healthy. Based on the Net Profit Margin (NPM) ratio, the financial performance of the CU Damai Sejahtera Savings and Loans Cooperative in 2020-2021 shows healthy criteria and in 2022 shows very healthy criteria. Based on the Return On Equity (ROE) ratio, the financial performance of the CU Damai Sejahtera Savings and Loans Cooperative in 2020-2022 shows fairly healthy criteria.

Riset ini dilakukan guna mengkaji secara komprehensif kinerja Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) BMT El-Mentari yang beroperasi di Purwokerto, dengan menggunakan pendekatan Malcolm Baldrige Criteria for Performance Excellence (MBCFPE). Analisis dilakukan berdasarkan tujuh indikator inti, yaitu kepemimpinan, perencanaan strategis, orientasi pada pelanggan, sistem pengukuran dan manajemen pengetahuan, orientasi pada tenaga kerja, pengelolaan proses, serta capaian kinerja organisasi. Riset ini menerapkan pendekatan deskriptif kualitatif, dengan pendekatan observasional dalam mengumpulkan data, interview terstruktur, dan telaah dokumen. Hasil evaluasi menunjukkan bahwa KSPPS BMT El-Mentari meraih skor keseluruhan sebesar 627,84, yang dikategorikan dalam kelompok “Pemimpin Industri Berkembang”. Dimensi dengan pencapaian tertinggi terdapat pada aspek fokus tenaga kerja (74,2%), sedangkan dimensi hasil bisnis diidentifikasi sebagai aspek yang memerlukan penguatan lebih lanjut. Temuan ini mengindikasikan bahwa meskipun koperasi telah menunjukkan kemajuan signifikan dalam praktik manajerialnya, masih terdapat ruang perbaikan untuk mencapai standar kinerja bertaraf global. Penelitian ini menyumbangkan pemahaman yang mendalam terhadap perkembangan praktik manajemen strategis pada koperasi syariah dan dapat dijadikan acuan bagi proses evaluasi berkelanjutan oleh pengelola koperasi.

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.

This study aims to analyze bad debts on the financial performance of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The research method used is descriptive quantitative, with data analysis techniques using bad debt analysis and financial performance analysis by measuring financial ratios such as liquidity, solvency and profitability ratios. The data used in this study is secondary data in the form of financial statements of the Swasti Sari Saving and Loan Cooperative, Kupang City Branch for a period of 5 years from 2019-2023. The results showed that bad debts at the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative were caused by the inability of cooperative members to pay off their obligations so that the cooperative's receivables became difficult to collect and had an impact on the cooperative's financial performance as measured by the liquidity ratio from 2019 to 2023 which decreased because the cooperative's cash decreased and its receivables increased, the Solvency Ratio indicates an increase in risk due to increased debt without balanced asset growth. The Profitability Ratio shows a decrease in net income which affects the operational sustainability of the Kupang City Branch of the Swasti Sari Savings and Loan Cooperative. The results of this study provide recommendations for the Kupang City Branch of the Swasti Sari Saving and Loan Cooperative in overcoming the risk of bad credit, namely taking a rescheduling, reconditioning, and restructuring approach, applying prudential principles, conducting regular monitoring and monitoring of financial performance and credit risk so that cooperatives can make quick and appropriate decisions to maintain financial stability and operational sustainability.

Koperasi Simpan Pinjam (KSP) Maju Mapan Jaya is one of the cooperatives engaged in savings and loans. In an effort to provide maximum service to customers, KSP Maju Mapan Jaya has collectors who are tasked with collecting credit installments and taking customer savings deposits directly to the customer's location for the convenience and security of customer funds.Transaction recording is still done manually by cooperative collectors by recording in the savings ledger or loan ledger and then submitting it to the cooperative office. Partners expect assistance in the application of information technology, especially the digitization of collector transaction data to minimize obstacles in the field. The purpose of this community service activity is to help partners provide assistance and implement a digital-based collector transaction data information system.

The history of the birth and development of cooperatives in developed (western) and developing countries is indeed very diametric. In the west cooperatives were born as a Movement to fight against market injustice, therefore growing and developing in an atmosphere of market competition. Even with its strength, cooperatives have achieved a bargaining position and an important position in the constellation of economic policies, including in international negotiations. The laws and regulations that govern cooperatives grew later as a demand of the cooperative community in order to protect themselves. The purpose of the research is to find out how the Role of the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) on the income and business of its members. To find out whether the role of the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) on income and business can improve the welfare of its members. This research method uses quantitative and qualitative methods. The results of this study prove the contribution made by the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) to the Community and its members, so it can be said that the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) plays a very important role in improving the welfare of the community in Fakfak Regency especially the people who are its members so that the standard of living is more guaranteed and the welfare of its members is also achieved due to changes in the income of its members. In conclusion, the Tunggal Jaya Fakfak I Savings and Loan Cooperative (KSP) also has a positive impact on the government in helping to overcome the problem of poverty by playing a role in providing savings and loans, to members and the community in Fakfak Regency, so that the community can develop their businesses.

Abstract Bhumi Karya Cooperative is an organization focused on the savings and loan activities of its members. Loans with low interest rates and various types of savings are offered to enhance the welfare of the members. However, challenges in the effectiveness of transaction data management, the conventional handling of savings and loan applications, and financial reports managed using Microsoft Excel are faced by the cooperative. The development of a web-based information system is deemed essential, as this system not only allows members to conduct transactions remotely, such as the previously manual savings and loan applications, but also accelerates the processes of member data entry, transaction recording, report generation, and service provision to members anywhere. Additionally, prospective members can register online, thereby increasing the overall operational efficiency of the cooperative

This study aims to analyze the significant influence of compensation, work environment, and workload on the job satisfaction of employees at the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. This research uses quantitative data, with primary data sources. The population in this study consists of 97 employees of the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. The sampling technique used is a census technique, so the entire population is used as the sample. The data analysis techniques used in this study are descriptive analysis, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R2).The results of this study indicate that compensation (X1) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The work environment (X2) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. Workload (X3) has a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The F-test results show a significant value of 0.000, meaning the model is appropriate for predicting the influence of compensation, work environment, and workload on job satisfaction. The R2 test results indicate that 37.1% of the variation in job satisfaction is explained by these variables, while the remaining 62,9% is explained by other variables outside the model, such as leadership style, work stress, organizational culture, and work discipline.

The process of handling financing aims to identify strategies for addressing problematic financing in savings and loan cooperatives or BMT (Baitul Maal Wat Tamwil). The research method employed is qualitative, utilizing structured interviews, field observations, and documentation for data collection. The primary factors contributing to problematic financing in BMTs are identified as internal factors (suboptimal analysis of documents and adherence to financing standard operating procedures) and external factors (dishonesty and untrustworthiness among members, malicious intentions, procrastination by members, and unintentional factors such as relocation and natural disasters). Handling strategies involve communication via mobile phones (WhatsApp messages or calls), issuing warning letters, and executing collateral. Efforts to mitigate problematic financing include strict adherence to standard operating procedures, adequate task allocation, the application of prudence principles, and enhancement of employee skills.

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 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.

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.