Ramdana Irsyad, Ferozi
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Analisis Permodalan Koperasi Simpan Pinjam dalam Meningkatkan Kesejahteraan Anggota Ramdana Irsyad, Ferozi; Rolas Olivia Naibaho, Angelina; Edi Saputra, Zaki; Alawiyah Matondang, Khairani
SJEE (Scientific Journals of Economic Education) Vol 9, No 2 (2025): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v9i2.236

Abstract

Savings and Loan Cooperatives (SLCs) play a strategic role in supporting the community’s economy, particularly by providing capital access to small and medium enterprises and enhancing the welfare of their members. However, the gap between capital needs and availability remains a major challenge for many SLCs. This study aims to analyze the capital structure and strategies of cooperatives in relation to improving member welfare, using a case study of KSP Nusa Indah. The research uses a qualitative descriptive approach through a literature study method, collecting data from literature sources, financial reports, and institutional documents. The results show that cooperative capital—whether sourced from internal funds or external loans plays a vital role in providing both productive and consumptive loans to members. Internal capital is considered more sustainable because it is interest-free and supports the increase of the cooperative’s net income (Sisa Hasil Usaha/SHU), which has a direct impact on member welfare. The success of cooperatives in enhancing welfare is also influenced by active member participation, financial literacy, and the integration of technology in data management and service delivery. Therefore, strengthening capital structures and cooperative governance is key to creating a sustainable economic impact for members.
Analisis Teoretis Terhadap Pengaruh Faktor-Faktor Ekonomi dalam Menentukan Tingkat Fertilitas Rumah Tangga di Era Modern Ramdana Irsyad, Ferozi; Aldi Akbar, Mhd.; Marihat Batu Bara, Radja; Purba, Bonaraja
SJEE (Scientific Journals of Economic Education) Vol 9, No 2 (2025): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/sjee.v9i2.237

Abstract

The decline in fertility rates is a global phenomenon that is now also occurring in Indonesia, particularly in urban areas. This condition raises concerns about future demographic structure and national economic potential. One of the main factors influencing household decisions regarding the number of children is the economic factor. This study aims to theoretically analyze the influence of economic factors on household fertility rates in the modern era. The research employs a library research method with a descriptive qualitative approach. Data were obtained from scientific literature, official institutional reports, and reputable journals from the last five years. The analysis technique used is thematic content analysis, referring to three main theoretical frameworks: Household Economic Theory, Demographic Transition Theory, and Contemporary Economic Theory. The findings show that economic factors such as household income, cost of living, education expenses, women's participation in the labor force, and economic uncertainty significantly affect fertility decisions. Modern households tend to delay or limit the number of children due to the substantial costs required to raise children with quality. Moreover, an individualistic lifestyle and preferences for financial stability further reinforce the trend of smaller families. In conclusion, fertility in the modern era has increasingly become a rational economic decision rather than merely a social or cultural one. This study provides an important contribution to the development of population policies that are adaptive to the economic dynamics of society and enriches academic discourse in the fields of demography and family economics.