Women's Cooperatives Research Articles

Analysis of The Causes of The Delay in Loans for Members of The Melati Women's Cooperative in Sidoarjo City

Analysis of The Causes of The Delay in Loans for Members of The Melati Women's Cooperative in Sidoarjo City

PENGARUH KUALITAS PELAYANAN DAN PENGELOLAAN USAHA TERHADAP PARTISIPASI ANGGOTA KOPERASI JASA SIMPAN PINJAM (Studi Kasus Pada Koperasi Wanita Sekar Kartini Jember)

The participation of cooperative members is essential to achieving cooperative business success. This is due to the member's position as owner and customer of the cooperative. This research aims to analyze the influence of service quality and business management on the participation of savings and loan service cooperative members. This research uses quantitative methods with a multiple linear regression analysis approach with the SPSS 25.0 application. The research respondents were 30 employees of the Sekar Kartini Women's Cooperative. The results of hypothesis testing (H1) show the Sig value for the influence of service quality on Y is 0.015 > 0.05, so it can be concluded that there is a partial influence of the service quality variable on the cooperative member participation variable. Meanwhile, the results of further hypothesis testing (H2) show the sig value for the influence of business management on Y is 0.016 < 0.05, so it can be concluded that there is a partial influence of the business management variable on the participation variable Cooperative Member. The significance value for the influence and management of X1 means that there is an influence of service quality and business management on cooperative member participation. Based on the results of this research, it is known that the R square value is 0.337; this means that the influence of variables X1 and X2 simultaneously on variable Y is 33.7%. This shows that improving service and management can help increase member participation in savings and loan services at the Sekar Kartini Women's Cooperative. Keywords: Business Management, Cooperative Member Participation, Service Quality.

PELATIHAN PEMBUATAN BROSUR DAN PAMFLET MENGGUNAKAN CANVA SEBAGAI PENDUKUNG KEGIATAN USAHA PADA KOPERASI WANITA ATSIRI CITAYAM BOGOR

The use of information technology has great potential to improve performance and add value for small and medium enterprises (MSMEs), so that they can compete more effectively. Marketing is a key aspect in the success of MSMEs, which helps in reaching target audiences, building brand awareness, generating leads and sales, and building relationships with customers. Brochures and pamphlets are important marketing tools for MSMEs, used to introduce their products or services, as well as explain the unique proposition they offer. However, many MSMEs face difficulties in creating effective and attractive brochures and pamphlets. Canva is a graphic design platform that can help MSMEs create professional-looking brochures and pamphlets without requiring design experience. Therefore, structured training is needed to help them utilize information technology more effectively. Bina Sarana Informatika University will carry out community service activities by providing training in making brochures and pamphlets using Canva to the Atsiri Citayam Bogor Women's Cooperative. This training aims to provide knowledge and skills to cooperative members in using this graphic design platform. In this way, it is hoped that the participants can create more brochures and pamphlets so that their effectiveness in helping their activities is even higher

Efektivitas Pemberian Dana Usaha Terhadap Pemberdayaan Ekonomi Perempuan (Studi Kasus Koperasi Wanita Mayangsari 38b Banjarrejo)

One of the activities to encourage women's empowerment in the economic sector is the provision of business financing through non-bank financial institutions such as banks and cooperatives. Working capital loans are goods (money) or services used to run a business that must be repaid within a certain period of time based on a contract between the borrower and the lender. This study explores how business financing from non-bank institutions, like the Mayangsari Women's Cooperative, empowers women in the economic sector. The type of research used is field research. Field research is research carried out in the field or at the research site, namely the Mayangsari 38B Banjarejo Women's Cooperative. Borrowers met key criteria, including generating income and developing their businesses. The success lies in adhering to empowerment principles. Members understand the loan purpose and strive for effectiveness metrics. The program aims to start or grow businesses, ensure good loan repayment, offer income opportunities, and foster independent business ownership. This is evident in members acquiring new skills and some even starting new businesses without further loans, proving the program's sustainability. This case study showcases the potential of business loans to empower women, not only financially but also by fostering independence and entrepreneurial spirit. By adhering to sound principles, such programs can contribute significantly to women's economic development and overall well-being.

ASSISTANCE IN THE DEVELOPMENT OF BUSINESS DIVERSIFICATION TO OPTIMIZE INCOME FOR WOMEN'S COOPERATIVES IN BLITAR DISTRICT

The presence of Women's Cooperatives in Indonesia holds significant importance, despite the limited number of large-scale Women's Cooperatives. These cooperatives play a crucial role in supporting the government's efforts to address national challenges such as unemployment reduction, enhanced health outcomes, improved education, and the resolution of gender-related issues. Analysis of the objectives of this initiative reveals two primary issues: 1) Women's Cooperatives heavily rely on savings and loan business units, leading to elevated levels of bad credit in the women's cooperatives of Blitar Regency; 2) Administrators of women's cooperatives struggle to diversify their businesses beyond savings and loans. The initiative commences with preliminary activities, involving a literature review followed by field research utilizing secondary data. Subsequently, a focus group discussion (FGD) is conducted to assess the actual conditions of women's cooperatives in the field, engaging with the Cooperatives and Small and Medium Enterprises (UMKM) Department. Through mentoring endeavors, the aim is to reinforce cooperative management, enabling the development of diversified business ventures beyond savings and loans. This is to be achieved through improved financial planning and activities. Additionally, the initiative aspires to instill in management a comprehensive understanding of business risk management.

Optimal Management of Working Capital in East Java Women's Cooperatives: Exploring the Role of Activity Ratios and Profitability

Optimal Management of Working Capital in East Java Women's Cooperatives: Exploring the Role of Activity Ratios and Profitability

Cooperative, Women and Economic Shocks

The cooperative can be considered as a means of independence for Moroccan women. It is the most suitable enterprise to fight against marginalization, reduce unemployment and eradicate poverty.The recent global context characterized by a health pandemic, price increases and the collapse of vital sectors, has significantly impacted the cooperative sector. The objective of this paper is to explore the factors affecting the evolution of the women's cooperative sector and to analyze its degree of resilience to unforeseen shocks. To do so, we opted for a qualitative methodology (interviews and focus groups) that follows an inductive path of exploration.From this study, it emerges that the economic shocks recently experienced have had adverse effects on the social and solidarity economy sector, starting with the cessation of activities and the return to unemployment and ending with resistance or disappearance from the market. In addition, women's cooperatives in the region of Tangier Tetouan Al Hoceima (TTA) have shown an unconditional willingness to undertake and achieve emancipation despite the many factors contributing to hinder their advancement.

The Role of a Women's Cooperative to Improve the Welfare of Women Coffee Farmers in Bener Meriah Regency, Indonesia

A women's cooperative is a form of women's empowerment in improving the economy of pre-prosperous women, where women are a marginalized group and face difficulty getting access to business capital loans, impacting their welfare. The presence of a women's cooperative is a solution to open access to capital provision for underprivileged women to improve their standard of living. Women's cooperatives have a very active role in the Bener Meriah Regency because they are managed directly by women, and all empowered members are women. Role theory and community empowerment theory are used to analyze the research results. The research paradigm used is the constructivism paradigm with a qualitative methodological approach. The results of this study suggest that cooperatives have an essential role in empowering the community, especially women as a marginalized group, to revive the household economy. The women's cooperative in Bener Meriah Regency is a cooperative in which all management is carried out by women, from coaching farmers to marketing agricultural products, especially the Gayo arabica coffee commodity. The women's cooperative addressed was Gayo Women's Coffee Cooperative (KOKOWAGAYO), which has been successful in empowering the economy of coffee farmers to carry out marketing to international markets through the export of coffee commodities.

Strategi Penguatan UMKM Melalui Model Pentahelix Di Kabupaten Purworejo

This study aims to analyze MSME exporters in Purworejo Regency which operate in the sugar cluster, specifically the Srikandi Women's Cooperative and the Karmatera Cooperative. The data from the analysis is then used as reference material to formulate strategic steps in the form of designing a model to increase the competitiveness of MSMEs through pentahelix collaboration. Synergy between interested parties provides export space for MSMEs to be competitive in surviving and increasing exports of MSME products. This research was conducted using a qualitative approach to formulate a model design for increasing the competitiveness of MSMEs. Data was obtained from interviews, field notes and documentation, by organizing the data into categories, describing it into units, synthesizing it, arranging it into patterns, choosing what is important and what will be studied, and making conclusions. The research results show that collaboration between stakeholders is expected to be a model for increasing the competitiveness of MSMEs in international markets (exports).

MENGUKUR LAPORAN KEUANGAN DENGAN CASH RATIO, RETURN ON ASSET (ROA) DAN RETURN ON EQUITY (ROE) PADA KOPERASI WANITA (KOPWAN) SALIMA TUGUMULYO KABUPATEN MUSI RAWAS TAHUN 2016-2020

The purpose of this study is to: Know how the financial statement analysis of the Salima Women's Cooperative is viewed from the Cash Ratio in 2016-2020. Knowing how to analyze the financial statements of the Salima Women's Cooperative in terms of Return ON Assets (ROA) in 2016-2020. Knowing how to analyze the financial statements of the Salima Women's Cooperative in terms of Return On Equity (ROE) in 2016-2020. The data analysis method used in this research is quantitative descriptive analysis. The data collection techniques used in this study were observation, interviews and documentation. Analysis of the data used is the calculation of the liquidity ratio and profitability ratio with the classification guidelines of the Regulation of the State Minister of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia, Number 06/Per/M.KUKM /V/2006. The results showed that: 1) Financial analysis on the liquidity ratio seen from the cash ratio was in bad condition. 2) Financial analysis on profitability ratios seen from Return On Assets is in fairly good condition. 3) Financial analysis of profitability ratios seen from Return ON Equity is in poor condition. Keywords: Financial Statements, Liquidity Ratio (Cash Ratio), Profitability Ratio (Return on assets, return on equity).

WORKING CAPITAL MANAGEMENT MODEL IN WOMEN'S COOPERATIVES

The presence of Women's Cooperatives or also known as "Kopwan" in society is crucial for aiding the government in addressing economic challenges, reducing unemployment, enhancing family financial well-being, and tackling gender issues. Despite their significant role, the existence of Kopwan requires careful attention, as many face stagnation at the business level, attributed in part to challenges in effectively managing working capital. This qualitative descriptive research aims to elucidate the meaning, sources, and management of working capital for Kopwan, utilizing data gathered through interviews and observational methods. The qualitative descriptive approach is chosen for its ability to directly depict and interpret the phenomena occurring in the investigated field. The findings reveal that Kopwan views working capital not merely as money but also as trust and networks. The management of working capital in Kopwan encompasses planning, organizing, and monitoring stages, and the applied model has proven effective in helping cooperatives successfully navigate operational aspects and enhance financial performance.

Peran Koperasi Wanita “SUMBER JAYA” Dalam Meningkatkan Perekonomian Wanita

The economic condition of society in general, especially women, is a very important factor in empowering society in the economic sector. Economic empowerment is carried out to reduce poverty rates and increase welfare to develop women to be more productive so that they can increase the level and standard of living of women and improve family welfare. "SUMBER JAYA" Women's Cooperative, which is one of the women's cooperatives that has succeeded in doing this and is committed to providing business capital assistance so that it can help the economy of the people who are members of the organization. The purpose of writing this research is to describe and analyze the role of the "SUMBER JAYA" Women's Cooperative in improving the economy, especially women. This research uses a qualitative descriptive research method. The results of the research show that the role of cooperatives in improving women is still not optimal, there is a lack of administrators which causes multiple positions and there are still many bad loans which hinder the circulation of money in cooperatives.

Peranan Teknologi Informasi Dalam Efektivitas Sistem Pengendalian Intern Koperasi Bina Citra Wanita

This study aims to analyze the effect of the use of information technology on the effectiveness of the internal control system in the Bina Citra Women's Cooperative in Menganti Gresik. The research method used is qualitative, involving cooperative heads, cooperative treasurers, and cooperative members as informants. Data collection techniques were carried out through interviews with cooperative members and management, direct observation of activities in cooperatives, and study of documents such as cooperative SOPs, financial reports, and information technology usage policies. The results of the study show that cooperative members have a positive perception of the influence of the use of information technology in increasing the effectiveness of the cooperative's internal control system. Information technology helps in prioritizing customer service, preventing fraud, and reducing the risk of fraud

Software Sistem Pelaporan Akuntansi Koperasi (Silakop) Sebagai Solusi Pencatatan dan Pelaporan Keuangan Koperasi Wanita

This article discusses women's cooperatives, which have an important role in efforts to empower women and help improve the welfare of their members. However, women's cooperatives face financial reporting problems and a lack of knowledge and skills in preparing financial reports in accordance with Financial Accounting Standards for Entities Without Public Accountability (SAK-ETAP). This study aims to design and develop accounting software that can provide solutions to the problems of recording and reporting finances for women's cooperatives. This action research uses a qualitative approach, carried out in the cities of Malang and Surabaya in the period October-November 2022, with data collected through interviews, observations and financial documents. The result of this research is a cooperative accounting reporting software (SiLaKop) that has been used in several KopWans in the City and Regency of Malang.

Empowering Women through Self Help Groups and Women Cooperatives- A Tool for Sustainable Development

Women Empowerment means empowering and emboldening women by political, legal, economic and social means. Women empowerment has been the major goal of every country. Today, Women is by no means less than men in any sphere of life. She contributes equally in the social and economic development of the nation. Both Government and Non-Government agencies play a major role in uplifting the status of women in society by introducing various schemes. Formation of Women Self Help Groups (WSHGs) and Women Cooperatives are the various schemes adopted for women empowerment. One of the highlights is that, in India, ninety percent of the WSHGs and Cooperatives have paved the way to boost the confidence of women by providing them regular income facilities, education and training. The paper mainly attempts to study the role of SHGs and Women Cooperatives in women empowerment with the help of success stories of certain SHGs and Cooperatives and how it is one of the most powerful tools of sustainable development.

PENDAMPINGAN MANAJEMEN KEUANGAN BERBASIS SISTEM INFORMASI AKUNTANSI KOPERASI WANITA DEWI KUNTI

Financial management is one of the important aspects in supporting the performance of co-operatives. Savings and Loans Co-operative (KSP) is one of the financial institutions favored by the public because it can provide access to capital with less complicated administration. One of the Savings and Loans Co-operatives in the Special Region of Yogyakarta is the Dewi Kunti Women's Cooperative which is located in Kaluhan Panggungharjo, Bantul. Currently, the Dewi Kunti Cooperative has problems in financial management, namely the limited ability of the co-operative management to keep records neatly, the emersion of bad loans from the members and also not having updated data on cooperative members. In addition, several credit loans made by members were experiencing bottlenecks and the Dewi Kunti Women's Co-operative member database had not been updated. The output of this research is an increase in the ability of the management in conducting cooperative financial administration and compiling IT-based financial reports. In addition, currently the co-operative has the most updated database of cooperative members.

Örgütlenme Modeli Olarak Kadın Kooperatifleri: Patriyarkal Kapitalizmde Başarı Kriterlerinin Eleştirisi

Kooperatif ekonomisinin tarihsel birikimiyle değerlendirildiğinde günümüz iktisadi ilişkileri içerisinde bir alternatif yaratıp yaratmayacağı çeşitli deneyimler ve yaklaşımlar çerçevesinde tartışılmaktadır. Bu tartışmaların bir ayağını da kadın kooperatifleri oluşturmaktadır. Kadın kooperatifleri, yalnızca ekonomiye indirgenen bir üretim alanı yaratmasının ötesinde kadın mücadelesinin konusu edilmektedir. Ancak bu noktada kadın kooperatiflerinin değerlendirilmesinde "başarı" ölçütü farklılaşmaktadır. Bu çalışmada, kadın kooperatiflerinin “başarı” ve performans ölçütü bakımından değerlendirilmesinin cinsiyete dayalı eşitsizliğin yeniden üretilmesine nasıl etkide bulunduğu tartışılacaktır. Böyle bir tartışma, makro iktisadi perspektifin ötesine geçerek, kooperatif modelinin “başarı” ölçütünün ne olması gerektiğinden öte kadın kooperatiflerini toplumsal ve ilişkisel bağlamı üzerinden düşünmeyi ve somut öznel deneyimler üzerinden anlayabilmeyi sağlayacaktır. Bu bağlamda, çalışmada öncelikle kadın kooperatiflerini makro iktisadi perspektifle değerlendirilen yaklaşımlar eleştirel bir okumaya tabi tutulacak, ardından gerçekleştirilmiş verili saha çalışmaları ekseninde cinsiyete dayalı eşitsizlik ve kazanımlar bağlamında bu kooperatif deneyimleri tartışılacaktır. Bu tartışmalar, iktisadi alanın ötesine geçerek sosyolojik bir perspektif ortaya koymak ve kadın mücadelesi için ön açıcı bir politika geliştirmek açısından önemlidir.

Peran Koperasi Ramah Keluarga Bali Membangun Sinergi Untuk Energi Pang Pada Payu

The role of cooperatives in people's lives in Indonesia, especially in Bali, is very influential in maintaining the economy, especially during a pandemic in Bali. One of the unique cooperatives in Bali is the Bali Family Friendly Women's Cooperative, hereinafter referred to as KPRK Bali in building optimism and adapting to new habits in building markets due to the Covid-19 pandemic that occurred in Bali. Facing the new era, it is imperative that cooperatives and MSME actors carry out transformation, in addition to facilitating the use of technology in the information sector, as well as protecting business actors and consumers from the impact of Covid-19. The purpose of writing this article is to find out the role of the Bali KPRK Cooperative in promoting local wisdom with the tag line Pang Pada Payu Bali. KPRK Bali considers it important to encourage environmentally friendly economic activities with the principles of a sustainable economy. The issues raised included: What is the role of KPRK Bali in driving the Bali economy? How is the implementation of KPRK Bali management? and What are the benefits obtained by KPRK members and the people of Bali?

The Role of Women's Cooperatives in Local Development: Search of Yalvaç Pisidia Antiokheia Women Entrepreneurs Cooperative

Due to the limited resources in the world and the increasing global competition, countries are trying to use their production factors effectively. An effective resource management creates increases in the growth figures of countries. In Turkey, various supports are given to cooperatives in order to increase production and to eliminate the rural-urban discrimination. Recently, women's cooperatives have come to the fore among cooperative activities. Thanks to women's cooperatives, it is aimed to increase production and increase the place of women in economic life. Yalvaç Psidia Antiokheia Women Entrepreneurs Cooperative, which was established in 2019, can be given as an example to this situation. In the study, the evaluation of the economic supports provided by the state by the members of Yalvaç Psidia Antiokheia Women Entrepreneurs Cooperative and the reflections of the cooperatives on the financial status of the members are discussed. The findings obtained as a result of the study show that the incomes of the members in the middle age group increase more than the others, the satisfaction of being a member of the cooperative increases with a high education level, and the ideas of the members in this group about immigration emerge.

STUDY MODEL OF WOMEN'S EMPOWERMENT IN IMPROVING MEMBER PARTICIPATION AND FAMILY WELFARE THROUGH COOPERATIVES IN NORTH SUMATRA

Problems of family welfare are faced by almost all countries, need a solution or empowerment program that can touch and improve the pattern of family welfare, one of which is cooperatives. family. This research aims to create a cooperative model for women's empowerment in improving family welfare. The method used in this research is descriptive qualitative. with the aim of finding, collecting, processing and analyzing data, in order to obtain theoretical research. The subjects of the research were all 120 members of women's cooperatives located in 3 city district cooperatives, namely Medan City, Deli Serdang Regency, and Serdang Bedagai Regency which located in North Sumatra Province. The object of this research is about women's empowerment through participation and welfare of cooperative members. Qualitative data collection techniques were obtained in depth, clearly and specifically. Data collection was obtained from the results of observations, interviews, documentation, and combination/triangulation. Qualitative data analysis is done by collecting existing data, compiling systematically, organizing data - sorting it into manageable units, synthesizing it, creating models, finding out what is important and what is learned, and deciding what can be told to others. The results of this study resulted in the concept of a cooperative model "Women Great" which states that women who participate in an institution such as a cooperative will be more focused and able to develop their resources by utilizing their potential and their environment. Through cooperatives, women's participation directly or indirectly greatly affects the welfare of their family's economic life. Where the "Great Woman" cooperative model has a concept and work procedure through integrated assistance in the form of savings and loan analysis, business use analysis, business prospect analysis, business development analysis , until the analysis of additional business capital. With this kind of assistance, every member of the women's cooperative is really monitored until they have business independence.