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Andrini Maria Stefania Cauk
Universitas Malikussaleh

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THE EFFECT OF THE COOPERATIVE'S ROLE, MEMBER PARTICIPATION, AND BUSINESS INNOVATION ON CLIENTS' ECONOMIC WELL-BEING AT THE KAMON OFFICE COOPERATIVE, BERELIKU VILLAGE, MALAKA REGENCY, EAST NUSA TENGGARA PROVINCE Andrini Maria Stefania Cauk; Muttaqien; Husaini; Marzuki
Journal of Accounting Research, Utility Finance and Digital Assets Vol. 5 No. 2 (2026): October
Publisher : PT. Radja Intercontinental Publishing

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Abstract

This study aims to analyse the influence of the cooperative's role, member participation, and business innovation on clients' economic well-being at the Kamon Office Cooperative in Bereliku Village, Malaka Regency, East Nusa Tenggara Province. The research employed an exploratory quantitative design, with a population comprising all 110 active members of the Kamon Office Cooperative. A saturated sampling (census) technique was used, in which the entire population served as the sample, while data were collected through a structured online questionnaire distributed via Google Forms. Data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4 software. The structural model results indicate that the cooperative's role has a positive but non-significant effect on clients' economic well-being (β = 0.160, t = 1.436, p = 0.151). Member participation likewise shows a positive but non-significant effect on clients' economic well-being (β = 0.119, t = 1.345, p = 0.179). In contrast, business innovation exerts a positive and significant effect on clients' economic well-being (β = 0.649, t = 4.933, p = 0.000). The R-square value indicates that 75.8% of the variance in clients' economic well-being is explained jointly by the three independent variables, while the remaining 24.2% is explained by variables outside the model. These findings demonstrate that business innovation is the most dominant driver of improved economic well-being among clients of the Kamon Office Cooperative, underscoring the need for cooperatives to modernise their services and operational systems alongside strengthening their institutional role and member participation.
Co-Authors Husaini Marzuki Marzuki Muttaqien