Peran manajemen strategi dalam pengelolaan modal koperasi simpan pinjam untuk pertumbuhan ekonomi berkelanjutan
Abstract
Amidst the tight national competition and challenges of globalization, savings and loan cooperatives have great potential in improving the local economy and. However, many cooperatives have not implemented effective management strategies, resulting in suboptimal resources. Through literature analysis, this study identifies various challenges faced by cooperatives, including a lack of understanding of management strategies and limited resources. This study also highlights the importance of implementing SWOT analysis to formulate appropriate strategies, as well as product development, digital services, and financial education as innovative steps in improving cooperative performance. With a systematic approach, it is hoped that savings and loan cooperatives can maximize the use of capital and increase profitability. These findings provide insight into how effective management strategies can contribute to the sustainability and economic growth of cooperatives. The research method used in this study is a literature review, in which the author reviews various previous studies to collect relevant information and data regarding the management of savings and loan cooperative capital and the implementation of management strategies. Through this method, the author can gain a more comprehensive understanding of the issues faced by cooperatives and possible solutions to improve their performance.
Downloads
References
al Idrus, S. (2009). Strategi Pengembangan Koperasi Indonesia Menuju Koperasi Mandiri. Jurnal Iqtishaduna (Ekonomi Kita), 5(2), 14.
Al Satria, M. I., & Firmansyah, F. (2024). Pengaruh Brand Image Dan Brand Trust Terhadap Loyalitas Anggota. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 8(1), 401–414. https://doi.org/10.31955/mea.v8i1.3690
Anita, Y., Baga, L. M., & Zulbainarni, N. (2022). Strategi Pengembangan Koperasi Pegawai Negeri Dinas Perindustrian, Perdagangan, Koperasi Dan Ukm Provinsi Dki Jakarta. Ekonomi & Bisnis, 21(2), 172–181. https://doi.org/10.32722/eb.v21i2.5227
Ardianingsih, A., Mardayanti, M., Ditta, A. S. A., & Priatiningsih, D. (2023). Literasi Mengenal Manajemen Risiko pada Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS). Dedikasi Pkm, 4(3), 380. https://doi.org/10.32493/dedikasipkm.v4i3.30173
Ernawati, E. E. (2017). Strategi Koperasi Simpan Pinjam Jasa (Kospin Jasa) Dalam Pengembangan Usaha. Skripsi Universitas Negeri Semarang, 1–104.
Fahmi, I., & Sugiyanto. (2023). Urgensi Koperasi Apex dalam Mendukung Keuangan dan Investasi Keberlanjutan di Indonesia. In Book Chapter (pp. 101–114). http://repository.ikopin.ac.id/2297/1/9. Urgensi Koperasi Apex dalam Mendukung Keuangan dan Investasi Keberlanjutan di Indonesia - Sugiyanto.pdf
Fhikri, R., Attoriq, R., Aji, H., & Toro, R. (2022). Peran Koperasi Dalam Pembangunan Ekonomi Di Desa Bajak II Kabupaten Bengkulu Tengah. 4(2), 45–48.
Firmansyah, F., & Abdilah, K. F. (2014). Analisis Swot Dalam Penentuan Strategi Pemasaran Produk Pembiayaan Pada Pt. Bprs Al-Washliyah. Jurnal Modernisasi, 10(2), 77–96. http://repository.umsu.ac.id/handle/123456789/19785
Ihsan, S. (2020). Analisis Kinerja Keuangan Pada Koperasi Simpan Pinjam ( Ksp ) Gunung Rinjani Lombok Timur - Ntb. Jurnal Akuntansi Dan Keuangan Syariah - ALIANSI, 3(1), 1–17. https://doi.org/10.54712/aliansi.v3i1.171
Kusuma, S. E. (2022). Koperasi Sebagai Alat Pembangunan Ekonomi Lokal: Kajian 5 Koperasi Di Amerika, Australia Dan Eropa. Management and Sustainable Development Journal, 4(1). https://doi.org/10.46229/msdj.v4i1.428
Latip, A., Moertono, B. S., & Wening, N. (2019). Strategi pengembangan koperasi simpan pinjam dan pembiayaan Syariah (studi kasus pada kspps “xyz”). Jurnal Ebbank, 10(2), 1–16. http://ebbank.stiebbank.ac.id/index.php/EBBANK/article/view/186
Rahel Veronika, Yohana Feby, Gustina Sari, & Hasyim Hasyim. (2024). Manajemen Risiko, Pengelolaan Dana Dan Pentingnya Lembaga Penjamin Simpanan Dalam Koperasi Simpan Pinjam di Indonesia. Anggaran : Jurnal Publikasi Ekonomi Dan Akuntansi, 2(2), 159–175. https://doi.org/10.61132/anggaran.v2i2.574
Rais, A., Sadeli, A. H., Saidah, Z., Trimo, L., Km, S., Jatinangor, R., & Km, S. (2023). Manajemen Strategi Koperasi Giri Senang. Departemen Sosisal Ekonomi Pertanian, 1, 122–151.
Ruscitasari, Z., Fithroh, N., & Nasrullah, R. S. (2022). Strategi Peningkatan Aspek Keuangan dan Manajerial Koperasi Seruni Putih. Jurnal IManajemen Strategi Dan Aplikasi Bisnis, 5(1), 83–98.
Semari, P. (2019). Strategi Pengembangan Koperasi Simpan Pinjam (Ksp). FOKUS : Publikasi Ilmiah Untuk Mahasiswa, Staf Pengajar Dan Alumni Universitas Kapuas Sintang, 17(2), 222–234. https://doi.org/10.51826/fokus.v17i2.355
Suhartono, I. (2011). Strategi Pengembangan Koperasi Berorientasi Bisnis. Jurnal.Stiema.Ac.Id, 4(7), 33–47. https://www.google.co.id/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&uact=8&ved=0ahUKEwjN8vP3qevYAhVGvY8KHUhnAy0QFgg_MAM&url=http%3A%2F%2Fjurnal.stieama.ac.id%2Findex.php%2Fama%2Farticle%2Fdownload%2F32%2F29&usg=AOvVaw1ijZ86scKBYWTsYEFgOHiM
Syaiful, M. (2016). Kesejahteraan Anggota Koperasi. Jurnal Progrs Ekonomi Pembangunan, 1(1), 10–20. https://www.google.co.id/url?sa=t&rct=j&q=&esrc=s&source=web&cd=4&cad=rja&uact=8&ved=0ahUKEwjN8vP3qevYAhVGvY8KHUhnAy0QFgg_MAM&url=http%3A%2F%2Fjurnal.stieama.ac.id%2Findex.php%2Fama%2Farticle%2Fdownload%2F32%2F29&usg=AOvVaw1ijZ86scKBYWTsYEFgOHiM
Wardoyo, P., & Rusdianti, E. (2019). Perlatihan Manajemen Resiko Bagi Koperasi Simpan Pinjam/Unit Simpan Pinjam Di Kota Surakarta. ABDIMAS ALTRUIS: Jurnal Pengabdian Kepada Masyarakat, 1(2), 40–46. https://doi.org/10.24071/aa.v1i2.1757
Wulandari, M., & Sulistari, E. (2018). Strategi Pengembangan Koperasi (Studi Kasus Pada Koperasi Simpan Pinjammentari Danamandiri Salatiga). Jurnal Ecodunamika, 1(1), 1–6. https://ejournal.uksw.edu/ecodunamika/article/view/1518
Copyright (c) 2025 Miagasela Aprilia Ramadhani
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
