Cooperative Office Research Articles

Pendampingan Digitalisasi Data Transaksi Kolektor pada Koperasi Simpan Pinjam Maju Mapan Jaya Denpasar

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.

Analysis of Scale of Business in mediating Financial Technology and Knowledge Management on Digital-Based Accounting of Micro, Small and Medium Enterprises in Medan City

Micro, small and medium enterprises are businesses that can help neraga in improving the community's economy, reducing unemployment so that the government is now very enthusiastic in supporting the development of MSMEs. It is inseparable from the local government of Medan City which motivates business actors in using digitalisation in every sector in running a business so that it can develop not only at the national level but even at the international level. This research was conducted in Medan City with the variables used were Scale of Business, Finalcial Technology with Knowledge Management as the mediating variable on digital-based accounting of MSMEs. The population in this study were MSMEs under the guidance of the Medan City UKM cooperative office which already had a Business Identification Number of 488 businesses with a sampling method using the Slovin formula with an error rate of 5%. The analysis model used to test the hypothesis in this study is multiple regression analysis using the Smart PLS application. multiple regression analysis is a statistical method used to determine the magnitude of the influence between independent variables. Indirectly Scale of Business Mediates Financial Technology, on Digital-Based Accounting, Indirectly Scale of Business does not Mediate Knowledge Management, on Digital-Based Accounting, Directly Scale of Business, Financial Technology, Knowledge Management, have a significant effect on Digital-Based Accounting, Directly, Financial Technology has a significant effect on Scale of Business, Directly, Knowledge Management does not have a significant effect on Scale of Business micro small and medium enterprises in Medan City.

Protecting Water Resources in North African Countries as an Entry Point to Achieve the Sixth Sustainable Development Goal

This article examines the legal framework on water in the Maghreb countries and analyzes if the existing legal framework guarantees the achievement of the sixth Sustainable Development Goal by 2030. One of the most important challenges faced by North African countries is the scarcity of water resources. Water scarcity and difficulty of providing the population with potable water, causes a thirst crisis and disruption of biodiversity, and thus preventing the achievement of sustainable economic and social growth, especially since the communities of this region are known for their intensive agricultural activity. The MENA region is among the most exposed to the negative effects of climate change, as the decrease in rainfall and its temporal and spatial variation leads to frequent floods and multiple droughts. All these pose the problem of dealing with the legal system considering the weak official cooperation between these countries to deal with this reality and find the necessary mechanisms to protect water resources from depletion, face climate change and reduce its effects. This article focuses on the Maghreb countries: Morocco, Algeria, Tunisia and Mauritania. The choice of these countries is motivated by the fact that they share the same climatic characteristics and above all they suffer in the same way from the repercussions of global warming. Water resources in these countries are under increasing pressure amid population and industrial growth, irrigated agriculture, urbanization, tourism, climate change, overexploitation of aquifers and deteriorating water quality. In terms of methodology, the article employs a literature review of studies in this field as well as an analysis of legal texts related to water and the environment in the countries surveyed. This study shows that the Maghreb countries have made considerable efforts at the legal level to guarantee access to water for their citizens, however there are many peculiarities and insufficiencies for which the study presents some recommendations susceptible to help with the attainment of the 6 SDG objective within 2030.

Украина в германских планах передела Европы в годы Первой мировой войны (1914–1916 гг.)

The paper studies the Ukrainian issue in the context of the policy of the German Empire during the First World War (1914-1916). The author considers the Ukrainian issue in Germany’s plans to reorganize Europe; German state structures and their ways of interaction with national movements. The study demonstrates the change in Germany’s policy towards the Ukrainian movement in the context of the events of the First World War: from supporting plans to organize an uprising in Russia and create a Ukrainian state to curtailing official cooperation and switching to supporting the main competitor of the Ukrainian movement in the struggle for statehood – the Poles.

The Influence of Work Motivation and Work Environment on the Performance of Employees of the UKM Cooperative Office of Kulon Progo District, Yogyakarta Special Region

Organizational achievement is influenced by the work environment where employees carry out activities also have an important role in improving their performance. The work environment refers to the material and psychological conditions of employees in the organization. This study aims to determine the effect of work motivation and work environment on employee performance at the Kulon Progo Regency Small and Medium Enterprises Cooperative Office. In this study, the data collection techniques used were questionnaires, observation, documentation and literature study. The analysis used is instrument test, classical assumptions, multiple regression, hypothesis testing, and R2 estimation. Sampling by distributing questionnaires directly to 37 samples. The results of data processing from motivation (X1) have a positive and significant effect on employee performance, namely tcount 2.573> ttable 2.032 with a significance of 0.015 <0.05 and the work environment (X2) has a positive and significant effect on employee performance, namely tcount 2.903> ttable 2.036 with a significance of 0.006 <0.05. Fcount value 7.803> Ftable 3.28, with a significance value of 0.002 <0.05. This means that motivation and work environment simultaneously affect employee performance. The results of the coefficient of determination test obtained an R-square value of 0.315 or 31.5%, which means that the influence of the independent variables on the dependent variable and the rest is influenced by other factors outside the research variables.

Optimization of Digitally Certified Halal CMSMEs: Study on MSMEs in Banyuwangi

Abstract. Banyuwangi is one of the regions in Indonesia which is experiencing massive tourism growth. This also encourages growth in related sectors, one of which is the food industry. MSMEs in the food industry continue to grow in Banyuwangi, and the level of concern for halal-certified products continues to increase. This research aims to help optimize digitally certified halal MSMEs with the ease of submitting halal certification online. It is expected to increase the interest of MSME actors to take care of halal certification. This study uses SWOT analysis to determine the strengths, weaknesses, opportunities, and challenges for halal food products in Banyuwangi. Respondents in this study are certified Halal Companions, MSMEs in the food sector, and the Cooperative Office. Results show that the lack of information related to halal certification among business owners is one of the problems that are widely encountered. Massive dissemination of information related to halal certification to businesses through various media is suggested. In addition, meeting business owners directly is expected to minimize this gap. Keywords: MSMEs, halal certification, SWOT analysis

Kurasi Produk UMKM Kabupaten Probolinggo dalam Meningkatkan Daya Saing di Pasar Retail Modern

This MSMEs product curation assistance is motivated by the many potential MSMEs in Probolinggo Regency that have not been optimally developed. The purpose of this curation is to encourage MSMEs in Probolinggo Regency to compete in modern and even export markets. In addition, curating products for MSMEs can ensure that these products meet the quality and feasibility standards required by consumers. This curation assistance is a collaboration between Business Center at the University of Nurul Jadid, Rumah Kurasi, and the Probolinggo District Office of Cooperatives, Micro Enterprises, Trade and Industry. There were 20 business participants who participated in the product curation assistance. The curation process begins with product photos for digitalization needs, interviews, then giving a curation report. The curation results show that 14 MSMEs have modern market qualifications and 6 MSMEs have traditional market qualifications. The output of this curation assistance is a “Business to Business (B2B) - Business Matching” event or bringing together Probolinggo District MSMEs with buyers from shops, retail, restaurants and souvenir centers throughout Malang held at the Malang Creative Center. They will select suitable products to be sold in their stores based on the buyers' wishes and product quality standards.

Development of an e-Mudharabah Website Using the System Usability Scale (SUS) Method

At present there is no definite data regarding the number of MSMEs that utilize the Mudharabah scheme from both the East Java Cooperative Office and BPS because the provision of Mudharabah services is the right of MSMEs to provide capital, which is mostly provided by Islamic banks. Problems faced by MSME business actors include limited capital costs, deepening information technology and marketing. So it is necessary to develop a website-based e-Mudharabah system using the waterfall method and the system usability scale (SUS) testing method. The results of research on the e-Mudharabah website using the SUS testing method, obtained the results of respondents from investors, consultants, and MSME actors. The average conversion result was obtained with a result of 81,125 with the description “Excellent” with a B value scale where the conversion results were applied using the SUS method. Keywords: website, e-Mudharabah, UMKM, waterfall method, system usability scale

Development of a System for Determining Loan Eligibility in the Bukit Indah Cooperative, Batunya Village Using the Fuzzy Sugeno Method

This study aims to develop a loan eligibility determination system at the Bukit Indah Cooperative in Batunya Village using the fuzzy sugeno method. The Bukit Indah Cooperative is a savings and business cooperative run independently by the Batunya Village community and carries out efforts for the welfare of the Batunya Village community. Fuzzy Sugeno is one of the fuzzy logic methods used for modeling, control and decision making. Fuzzy Sugeno was developed by Takagi, Sugeno, and Kang in 1985, this method aims to provide more efficient results in the control and decision making system. The research method used in this study is the waterfall method. This study has succeeded in developing and producing a system used to help the Bukit Indah Cooperative in Batunya Village to determine the eligibility of providing loans to customers. In testing the feasibility of the system with 20 sample data, it was found that out of 20 sample data, there were 18 correct data in the system, data comparison was carried out by comparing the data from the evaluation of calculations by cooperative officers with the data produced by the system which produced an accuracy level of 90.00%. Based on these results, it was found that the system developed can be said to work well and is considered sufficient to test the accuracy of the fuzzy Sugeno method.

The Effectiveness of Updating Data on Small and Medium Industrial Business Actors in the Industrial Sector at the Cirebon City Cooperatives, Small and Medium Enterprises, Trade and Industry Office

The development of Science and Technology (IPTEK) affects various aspects of human life, including in the context of organizations and government agencies. In Cirebon City, the management of Small and Medium Industries (SMEs) by the Trade and Industry Small and Medium Business Cooperative Office faces challenges in updating data that has not been fully computerized. This study uses a descriptive qualitative approach to evaluate the effectiveness of the IKM data update process. The study results show that the number of SMEs is increasing every year, although there are still obstacles, such as incomplete information and manual processes that slow down efficiency. The application of digital technologies, such as applications for data collection and update, is proposed as a solution to improve the efficiency and accuracy of processes. It is hoped that better data updates, facilitated by digital technologies, can significantly support the development of the creative economy of Cirebon City through the identification of more appropriate needs and opportunities, as well as the optimization of government programs in the SME sector.

THE INFLUENCE OF ENTREPRENEURIAL LITERACY AND DIGITAL LITERACY ON BUSINESS SUCCESS (A Study on SMEs Assisted by the Department of Cooperatives in Biringere Village, North Sinjai District, Sinjai Regency)

Abstract This research intends to examine the influence of entrepreneurial literacy as well as digital literacy on company success (Study on MSME Assisted by the Cooperative Office in Biringere Village, North Sinjai District, Sinjai Regency). The t-test analysis indicates that the entrepreneurial literacy and digital literacy variables have a significant influence on Business Success, thereby confirming the hypothesis. The F-test results indicating that the independent variables have a significant simultaneous influence on the dependent variable. The correlation coefficient analysis (r) yielded a value of 0.793 or 79.3 percent, suggesting a positive relationship where higher entrepreneurial literacy and digital literacy are associated with greater Business Success. The analysis of the coefficient of determination (R²) indicates that entrepreneurial literacy accounts for 55.5% of the influence on Business Success, while the remaining 44.5% is attributed to other factors. The digital literacy coefficient value is 0.449, or 44.9%, indicating that digital literacy contributes 44.9% to the impact on Business Success, while the remaining 55.1% is impacted by external factors.

Sustainability Analysis of the Revolving Fund Program of the LPDB (Revolving Fund Management Institution): MICMAC Method Approach

The importance of access to credit for micro, small, and household craft enterprises, including cooperatives, has become a major focus in improving working capital financing and capital accumulation to support industrial income. The government through the LPDB (Revolving Fund Management Institution) has launched a revolving fund program that aims to strengthen the capital base of cooperatives, increase the capacity of human resources in business and financial management, and increase the role of cooperatives in expanding employment opportunities and reducing poverty. According to data from the Cooperative Business Development Division of the Denpasar City MSME Cooperative Office, from 2021 to 2023, there were five cooperatives that received the LPDB revolving fund program, but did not consistently reapply for the funds. This raises concerns regarding the sustainability of the program and the factors that influence it. This study aims to identify the factors that influence the sustainability of the LPDB program for cooperatives in Denpasar City. Using the MICMAC (Matrix of Cross Impact Multiplications Applied to a Classification) analysis method, this study reveals that the revolving fund administration requirements and members' information and knowledge about the revolving fund have the most significant direct influence. These findings underscore the importance of simplifying the administrative process and improving member knowledge to ensure the success of the program. In addition, active member participation emerged as an important predictor of program sustainability, highlighting the importance of members' direct involvement in supporting their economic activities. Thus using this method can uncover critical factors, and provide a comprehensive understanding that can inform policy adjustments and strategic implementation to improve program sustainability.

Analysis of The Role of Cooperatives and MSME’s Sectors in The Empowerment of MSME’s in Medan City

MSMEs are superior in absorbing labor by mobilizing local resources to support the regional economy. So that empowerment carried out by the government must be maximized so that MSMEs can be competitive. This study aims to analyze strategies at the Office of Cooperatives and MSMEs in Medan city in empowering and developing MSMEs using a qualitative approach using the N.Vivo application in the data processing process. The data collection techniques used are interviews and literature reviews related to the problem under study. The results of this study indicate that the strategy of the District Cooperative and MSME Office in empowering MSMEs has not run optimally. Because coaching from this government has not been felt by all MSME players in Medan City. Furthermore, MSMEs do not get capital assistance from the local government, and while there are still many MSMEs that have not received guidance from the government. In addition, the government has helped a little to overcome the problem of budget constraints by inviting participation from BUMN and the private sector in the implementation of MSME empowerment.

The Effect of Transfers and Workload on the Performance of Cooperative Office Employees

The Effect of Transfers and Workload on the Performance of Cooperative Office Employees

Determinants of adoption of urban agriculture (UA) as climate-smart agriculture (CSA) practices and its impact on food security: evidence from Wolaita Sodo city, South Ethiopia

BackgroundClimate change is one of humanity's biggest problems. CSA offers a once-in-a-lifetime chance to adapt to global climate change and reduce greenhouse gas emissions. UA can improve food security by providing affordable, nutritious alternatives to commercially produced food, especially for economically disadvantaged people. This study examined the factors influencing the adoption of UA as CSA practices, as well as their effects on food security in Wolaita Sodo City, South Ethiopia.MethodsData was collected from primary and secondary sources, both qualitative and quantitative form. A structured and semi-structured questionnaire was used to gather data from 384 randomly chosen urban households through surveys/interviews, focus group conversations, and observation. The percentage and mean differences between UA adopters and non-adopters were calculated using the chi-square test and t-test. A propensity score matching (PSM) model assessed UA's impact on food security. A binary logistic regression model was used to determine factors influencing adoption of UA as CSA practice in the study area.ResultsThe descriptive analysis showed that 53.53% of respondents used UA. Statistics showed the existence of a significant mean differences between adopters and non-adopters in employment level, UA attitudes, and household size. Logit model computations showed that family size, home ownership, the household head's occupation, perceptions of UA, market demand, and access to training and support influenced UA adoption as a climate-smart farming practice.ConclusionsAs per the study's findings, there could be a correlation between specific factors and the adoption of UA as CSA in the studied area. The PSM study confirmed that UA deployment significantly improves food security. UA adoption increased food security by 0.685-fold. The report recommends that municipal education offices, UA offices, and cooperative offices create an integrated functional adult education programme for urbanites. Since UA is vital to fighting food insecurity, it suggests increasing support for cooperative entities.

Analysis of Cirebon City Local Government Policies in the Use of Social Media for MSME Product Marketing

The development of MSMEs in Cirebon City faces several challenges, including the lack of understanding among MSME actors about the use of technology in digital marketing. This study aims to determine the involvement of local government, especially the Office of Small, Medium Enterprises, Industry, and Trade Cooperatives, in supporting MSMEs through the use of social media. The study examines two variables: the content of the policy and the implementation environment. This research is qualitative in nature, with data collection techniques conducted through direct interviews with the Office and MSMEs in Cirebon City. The results indicate that the use of social media for marketing MSME products in Cirebon City has been effective, as evidenced by the increased promotion of MSME products. However, limitations in human resources, skills, and knowledge about marketing administration remain weaknesses. Therefore, regular and consistent training on the use of social media platforms for MSMEs is necessary, and the Cirebon City Regional Government should monitor the implementation of these programs.

The Effect Of Financial Literacy And Income On Credit Taking Decisions With Financial Behavior As A Moderating Variable In Pontianak City MSMES

This study aims to examine how financial behavior affects the relationship between financial literacy, income, and lending decisions. This research was conducted on MSMEs in Pontianak City that were officially registered with the Pontianak City Office of Cooperatives, Micro, and Small Enterprises in 2023. The research method used was quantitative with descriptive analysis. To select the research sample, a purposive selection strategy was used with a total sample size of 150 MSMEs. Moderated Regression Analysis was used to test the moderating effect of financial behavior on the correlation between financial literacy, income, and loan decisions. The findings show that financial literacy has a favorable and large impact on credit decisions, while income has an adverse and large impact. In addition, financial literacy and income play an important role in determining lending decisions. The findings of the moderation test using MRA show that financial behavior can moderate the relationship between financial literacy and income on lending decisions.

Community Empowerment of MSME Owners by the Office of Micro, Small and MSME Cooperatives in Palembang City

Empowering Micro, Small, and Medium Enterprises (MSMEs) in Palembang City is a priority in overcoming the challenges faced by local businesses. Although the number of UMKM is increasing, there are still problems such as a lack of understanding in managing the business and constraints in marketing, especially through social media. The Palembang City Office of Cooperatives, UMKM and Industry is responsible for empowering the community of UMKM owners through mentoring, training and access to technology. This research uses a qualitative method with a focus on UMKM development strategies. Data were obtained through observation, interviews, and documentation. Empowerment is carried out through the stages of awareness, capacity building, and empowerment. The results showed an increase in knowledge and skills of UMKM actors as well as improved product quality and marketing. The community empowerment approach through the Palembang City Cooperative and MSME Office has a positive impact on the development of MSMEs and the economy of Palembang City.

Pengembangan Keterampilan Pengendalian Manajemen bagi Usaha Mikro, Kecil, dan Menengah Kota Mojokerto

Purpose – This community service program is motivated by the need for strategic and technical knowledge and skills from MSMEs participating in business incubation under the Government of Mojokerto City. With the local government’s vision to create a business that strengthens the community’s economy, MSMEs must have sufficient knowledge in managing their business. Yet, the government's current identification shows a lack of managerial knowledge of the MSMEs. For this reason, this community service program proposes a solution to this issue by developing management control skills for micro, small, and medium enterprises in Mojokerto City in partnership with the Office of Cooperatives, SMEs, Industry, and Trade of the Mojokerto City. Design/methodology/approach – The program’s design includes three stages: preparation of materials, conduction of training, and publication of results. Material preparation consists of the preparation of training materials and handbook drafts, which will then become one of the outputs of this program. Meanwhile, the activities’ implementation consists of pre-tests, training material provision, and post-tests after activities. The results publication stage comprises processing, analyzing, and presenting training results data and finalizing the handbook. Findings – The goals of this program are concluded successful in achieving the intended outcomes. The training program for MSMEs demonstrates that knowledge of management control tools is key to their application in business processes. Furthermore, another important key is understanding SMEs’ benefits and perceived ease in using specific tools. It shows that holding similar training on business management strengthening is crucial for MSMEs to encourage increased performance through more professional management practices. Originality/value – This paper is novel and original to the best knowledge of the authors since the training program on management control was the first held in the local government of Mojokerto City.

Utilization of Islamic Banking and Tiktok Shop for Micro, Small, and Medium Enterprises (UMKM) in East Jakarta

MSME empowerment needs to be done to improve MSME’s welfare. This community service team intends to provide training for MSME so they can improve their product and income. The target of this empowerment is MSMEs around the East Jakarta Industry, Trade, Small and Medium Enterprises Cooperative Office in Cakung District, East Jakarta. The training material is presented in the form of material presentation by resource persons followed by discussion. This community service activity proved to be able to provide an understanding of Islamic banking and product.