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All Journal E-Coops-Day : Jurnal Ilmiah Abdimas J-Coop : Journal of Co-operative
Endang Wahyuningsih
Institut Manajemen Koperasi Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering

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Rebranding Koperasi sebagai Strategi Meningkatkan Kinerja dan Daya Tarik Koperasi Berdasarkan Indikator Pemeringkatan Koperasi di Indonesia Mulyana, Iwan; ARR, Tryiis; Wahyuningsih, Endang
J-Coop : Journal of Co-operative Vol. 2 No. 1 (2026): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v2i1.51

Abstract

Cooperatives constitute a cornerstone of the national economy, grounded in the principles of economic democracy and oriented toward enhancing members’ welfare. Nevertheless, the development of cooperatives in Indonesia continues to face various structural and managerial challenges, as reflected in their low rankings and levels of financial and organizational health. Furthermore, challenges related to member regeneration and the declining interest of Millennials and Generation Z have intensified the urgency for renewing cooperative development strategies. This study aims to analyze the development of cooperatives in Indonesia based on cooperative ranking indicators and to examine the role of cooperative rebranding as a strategy to improve performance and attractiveness. This research employs a qualitative approach using a literature review method, drawing on scientific journals, books, and reports from relevant national and international institutions published over the last ten years. The findings indicate that cooperative challenges encompass institutional, managerial, business, financial, and member benefit aspects. Cooperative rebranding is viewed as a comprehensive strategy that extends beyond changes in visual identity to include transformations in governance, services, and organizational values. This study concludes that integrating cooperative rebranding with cooperative ranking indicators can serve as a strategic approach to enhancing the sustainability and competitiveness of cooperatives in Indonesia.
Evaluasi Penerapan Teknologi Keuangan (FINTECH) dalam Upaya Meningkatkan Pengelolaan Keuangan Koperasi Dan Manfaatnya bagi Anggota Wahyuningsih, Endang; Sobariah, Nurul Siti
J-Coop : Journal of Co-operative Vol. 2 No. 1 (2026): J-Coop : Journal of Co-operative
Publisher : LPPM Universitas Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/jc.v2i1.56

Abstract

The adoption of financial technology (fintech) has become a strategic approach for cooperatives to improve financial management effectiveness and enhance member services in the digital era. This study aims to evaluate the implementation of fintech in the Savings and Loan Unit of the Primkoppol Satbrimob Polda West Java Cooperative, assess its contribution to financial management and performance, and identify the benefits and challenges for members. The research employed a case study design with a descriptive quantitative approach. Data were collected through questionnaires and field observations, and the analysis was conducted to objectively assess the effectiveness of fintech implementation. The findings indicate that fintech adoption significantly improves transaction efficiency, enhances transparency in financial management, and increases accessibility to savings and loan services for members. Furthermore, digital financial systems support more accurate financial decision-making and improve member satisfaction. However, challenges remain, particularly related to limited digital literacy among some members and suboptimal technological infrastructure. The study concludes that fintech plays a significant role in strengthening cooperative financial management, with implications emphasizing the need to enhance digital literacy, improve human resource competencies, and develop robust digital security systems to ensure sustainable digital transformation within the cooperative sector.
Co-Authors Arr, Tryiis Iwan Mulyana Sobariah, Nurul Siti