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All Journal Religi: Jurnal Studi Agama-agama Jurnal Pembelajaran Inovatif Dinasti International Journal of Education Management and Social Science Didaktik : Jurnal Ilmiah PGSD STKIP Subang TEACHING : Jurnal Inovasi Keguruan dan Ilmu Pendidikan TEACHER : Jurnal Inovasi Karya Ilmiah Guru Jurnal Penelitian Ilmu Pendidikan Indonesia Journal of Educational Management Research Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital TADIB: Jurnal Pendidikan Agama Islam Jurnal Ekonomi, Manajemen, Akuntansi PESHUM E-Coops-Day : Jurnal Ilmiah Abdimas
Ahmad Subagyo
Universitas Muhammadiyah Jakarta
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Management Strategy, Character Formation and Modern Civilization Principles for Islamic Education in Indonesia Neni Handayani; Ahmad Subagyo; M. Sofian Hadi; Wahyu Anggoro
Dinasti International Journal of Education Management and Social Science Vol. 6 No. 5 (2025): Dinasti International Journal of Education Management and Social Science (June
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v6i5.4843

Abstract

Islamic education in Indonesia plays a crucial role in character formation and civilization, but is faced with the challenges of relevance, quality, and adaptation in the modern era. This article outlines a comprehensive management strategy for Islamic educational institutions, which integrates modern management principles with Islamic values. The phenomenon of institutional diversity, quality issues, relevance dilemmas, traditional management, funding limitations, and the role of religious moderation is the background to the urgency of management. The theoretical basis includes general management functions (POAC) enriched with Islamic values such as Tauhid, Syura, Amanah, Ihsan, Adil, Maslahah, and Prophetic Leadership. The strategic planning methodology is emphasized through SWOT Analysis to identify strengths, weaknesses, opportunities, and threats, and Strategy Canvas as a visual tool to map operational models. The implementation of the strategy includes strategic planning based on Islamic vision, integrative curriculum management, professional human resource management, accountable financial management, technology-based infrastructure management, public relations and partnership management, and sustainable quality management. Despite facing challenges such as resistance to change and limited human resources, Islamic education has great opportunities through government support, demographic bonuses, and technological developments. The conclusion confirms that an effective management strategy, supported by the Strategy Canvas and SWOT Analysis, is the key to the progress of Islamic education, with suggestions for developing managerial capacity, standardization, utilizing technology, strengthening collaboration, innovation research, and policy advocacy.
STRUKTUR ORGANISASI TIM PENGELOLA LMS UNTUK EFESIENSI OPERASIONAL Nurhabibah; Ahmad Subagyo; Zulfitria
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 02 (2025): Volume 11 No. 02 Juni 2025 In Order
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i02.6887

Abstract

Learning Management System (LMS) in education has experienced a significant increase in recent years. This article aims to (1) Describe the operational impact of the absence of a clear LMS team organisation structure. (2) To formulate the main components or functions that need to be present in the LMS management team structure. This article results in (1) LMS management is often assigned to only one or two people without a clear division of tasks. This causes delays in handling technical problems, lack of user training, and no thorough monitoring of the effectiveness of LMS use. (2) To achieve operational efficiency, the LMS management team structure needs to be organised and functional. Each team member should have a clear and complementary role.
Analysis of Learning Methodology Management from the Perspective of Instructional Process Component System Management Muhamad Faizin; Paisal Aripin; M. Mashuri Nurkulla; Ahmad Subagyo
TA'DIB: Jurnal Pendidikan Agama Islam Vol 4 No 1 (2026): In Press
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/jt.v4i1.133

Abstract

This study aims to analyze the management of learning methodologies implemented at SMP IT Ash Shiddiqiyyah Tangerang Selatan from the perspective of Instructional Process Component System Management (MSKPI). The study focuses on instructional practices, student engagement, curriculum implementation, and the integration of Islamic educational values in classroom learning. This research employed a qualitative descriptive approach through observation, documentation, and literature review. The findings indicate that instructional activities are still predominantly teacher-centered, with lecture methods more dominant than collaborative and student-centered learning approaches. The implementation of Problem Based Learning, Project Based Learning, and technology integration has not been fully optimized. From the MSKPI perspective, instructional components such as planning, implementation, media utilization, and evaluation have not been systematically integrated. The study concludes that improving instructional quality requires strengthening active learning strategies, enhancing teacher competencies, integrating educational technology effectively, and aligning instructional management with the Merdeka Curriculum and Islamic educational values.
Manajemen SDM dalam Pengembangan Teaching Factory SMK: Kunci Meningkatkan Kualitas Relevansi Pembelajaran Fauziah Maryani; Burhan; Ahmad Subagyo
Jurnal Pembelajaran Inovatif Vol. 9 No. 1 (2026): Jurnal Pembelajaran Inovatif
Publisher : Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JPI.091.01

Abstract

Teaching Factory (TEFA) di SMK adalah model strategis untuk meningkatkan relevansi pembelajaran dengan dunia kerja. Namun, efektivitasnya sangat bergantung pada pengelolaan Sumber Daya Manusia (SDM). Penelitian ini bertujuan menganalisis manajemen SDM dalam pengembangan TEFA sebagai kunci peningkatan kualitas dan relevansi pembelajaran. Menggunakan pendekatan kualitatif-deskriptif, data dikumpulkan melalui wawancara dan studi dokumentasi di enam SMK pelaksana TEFA di berbagai wilayah Indonesia. Hasil penelitian menunjukkan bahwa kesiapan dan kualitas SDM—melalui perencanaan, pengembangan kompetensi berbasis industri, pelaksanaan yang terintegrasi, serta monitoring dan evaluasi yang melibatkan mitra industri—merupakan faktor penentu utama keberhasilan TEFA. Simpulan penelitian menegaskan bahwa manajemen SDM yang sistematis dan berorientasi standar industri merupakan fondasi kritis untuk menjadikan TEFA sebagai jembatan efektif antara sekolah dan dunia kerja, sehingga meningkatkan kualitas pembelajaran dan kesiapan kerja lulusan SMK.
HYBRID LEARNING BERBASIS DIGITAL SEBAGAI STRATEGI RESILIENSI PEMBELAJARAN PASCABENCANA Parihin Parihin; Joko Suseno; Velya Pramesthi Putri Ragil; Ahmad Subagyo
TEACHER : Jurnal Inovasi Karya Ilmiah Guru Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia (P4I)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/teacher.v6i3.12916

Abstract

ABSTRACT The tornado disaster that damaged learning facilities at SMAN 2 Gunungputri required the school to develop an adaptive strategy to ensure the continuity of educational services. This study aimed to describe the implementation of Hybrid Learning supported by digital technology as a strategy for strengthening learning resilience in a post-disaster context. The study employed a qualitative approach using a single-case study design involving the principal, vice principal for curriculum affairs, teachers, students, and parents as research participants. Data were collected through semi-structured interviews, non-participant observation, and document analysis, and were analyzed using the interactive model of Miles, Huberman, and Saldana. The findings reveal that the implementation of Hybrid Learning successfully sustained learning continuity by strengthening four dimensions of learning resilience, namely institutional, teacher, student, and social resilience. This adaptive strategy restored the effectiveness of instructional activities, enhanced the digital competencies and digital literacy of both teachers and students, and reinforced collaboration between schools and parents in supporting the learning process. Although challenges related to internet connectivity, learning devices, and monitoring of online learning remained, the school was able to adapt effectively to maintain the quality of educational services. The study concludes that digitally supported Hybrid Learning is not merely an alternative instructional approach during emergencies but also a learning resilience strategy that enhances schools' adaptive capacity in responding to disasters while promoting sustainable digital transformation in education. ABSTRAK Bencana angin puting beliung yang merusak fasilitas belajar di SMAN 2 Gunungputri menuntut sekolah mengembangkan strategi adaptif untuk menjaga keberlangsungan proses pendidikan. Penelitian ini bertujuan mendeskripsikan implementasi Hybrid Learning berbasis digital sebagai strategi membangun resiliensi pembelajaran pada kondisi pascabencana. Penelitian menggunakan pendekatan kualitatif dengan desain single case study yang melibatkan kepala sekolah, wakil kepala sekolah bidang kurikulum, guru, peserta didik, dan orang tua sebagai informan. Data dikumpulkan melalui wawancara semi-structured, observasi nonpartisipan, dan studi dokumentasi, kemudian dianalisis menggunakan model Miles, Huberman, dan Saldana. Hasil penelitian menunjukkan bahwa penerapan Hybrid Learning mampu mempertahankan keberlangsungan pembelajaran melalui penguatan empat dimensi resiliensi, yaitu resiliensi institusional, guru, peserta didik, dan sosial. Adaptasi tersebut ditunjukkan oleh pemulihan efektivitas pembelajaran, meningkatnya kompetensi dan literasi digital guru serta peserta didik, dan menguatnya kolaborasi antara sekolah dengan orang tua dalam mendukung pembelajaran. Meskipun masih dihadapkan pada keterbatasan jaringan internet, perangkat belajar, dan pengawasan pembelajaran daring, sekolah mampu melakukan penyesuaian yang menjaga kualitas layanan pendidikan. Penelitian ini menyimpulkan bahwa Hybrid Learning berbasis digital tidak hanya menjadi alternatif pembelajaran pada situasi darurat, tetapi juga merupakan strategi resiliensi pendidikan yang memperkuat kapasitas adaptasi sekolah dalam menghadapi bencana sekaligus mendukung transformasi pendidikan yang berkelanjutan.
OPTIMALISASI PEMBERDAYAAN KOPERASI DESA MELALUI PELATIHAN MANAJEMEN TEKNOLOGI DIGITAL : STUDI KASUS DI KABUPATEN SUMEDANG Jaka Sudewa; Ahmad Subagyo
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2025): Maret
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v2i1.1928

Abstract

Pemberdayaan koperasi desa merupakan salah satu upaya strategis dalam meningkatkan kesejahteraan masyarakat pedesaan. Namun, banyak koperasi yang masih menghadapi tantangan dalam manajemen dan pemanfaatan teknologi digital. Oleh karena itu, pelatihan manajemen teknologi digital menjadi penting untuk meningkatkan kapasitas dan daya saing koperasi. Topik ini dipilih karena relevansinya dalam menghadapi era digital yang menuntut koperasi untuk beradaptasi dan berinovasi. Metode pengabdian yang dilakukan meliputi workshop interaktif, simulasi, dan pendampingan langsung bagi pengurus dan anggota koperasi di Kabupaten Sumedang. Pelatihan ini dirancang untuk memberikan pemahaman mendalam tentang penggunaan perangkat lunak manajemen, strategi pemasaran digital, serta alat komunikasi yang efektif. Hasil dari pelatihan menunjukkan peningkatan signifikan dalam keterampilan manajerial dan operasional peserta. Sebanyak 75% peserta menunjukkan peningkatan keterampilan, dan 65% koperasi berhasil mengimplementasikan teknologi digital dalam operasional mereka, yang berdampak positif pada peningkatan penjualan produk hingga 25% dalam tiga bulan setelah pelatihan.
A EVALUASI KINERJA MANAJERIAL BIMBEL BERBASIS APLIKASI ADMINISTRASI: PENDEKATAN BALANCED SCORECARD PADA PENGGUNA BimbelKu Pro Didi Kurniadi; Dwi Haryanto; Rilly Fatmawati; Ahmad Subagyo; Rabiyatul Adawiyah
TEACHING : Jurnal Inovasi Keguruan dan Ilmu Pendidikan Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/teaching.v6i3.12312

Abstract

ABSTRACT This study was motivated by the increasing need for the digitalization of tutoring center (bimbingan belajar) management as a form of non-formal educational institution facing challenges in financial administration, human resource management, and customer services. The study aimed to analyze the impact of implementing the BimbelKu Pro application on the organizational performance of tutoring centers based on the four perspectives of the Balanced Scorecard: financial, customer, internal business process, and learning and growth. A mixed-methods approach with a qualitative-dominant case study design was employed involving five tutoring centers in Karawang Regency, Indonesia, that had used the BimbelKu Pro application for at least six months. Data were collected through in-depth interviews, Likert-scale questionnaires administered to owners/managers and parents/guardians, and analyses of financial and operational documents. Qualitative data were analyzed using the Miles, Huberman, and Saldaña model, while quantitative data were examined using descriptive statistics. The findings indicate that the implementation of BimbelKu Pro positively influenced the performance of tutoring centers, with overall performance classified as good. The highest achievement was observed in the internal business process perspective, followed by the financial, learning and growth, and customer perspectives. The results further reveal that implementation success was influenced by managerial readiness, the intensity of application feature utilization, and the operational characteristics of each institution. This study demonstrates that the Balanced Scorecard provides a comprehensive framework for evaluating the implementation of management information systems in non-formal education while offering practical recommendations for application developers and tutoring center managers to support digital transformation. ABSTRAK Penelitian ini dilatarbelakangi oleh meningkatnya kebutuhan digitalisasi pengelolaan bimbingan belajar (bimbingan belajar) sebagai lembaga pendidikan nonformal yang menghadapi tantangan dalam administrasi keuangan, pengelolaan sumber daya manusia, dan pelayanan kepada pelanggan. Penelitian ini bertujuan menganalisis dampak implementasi aplikasi BimbelKu Pro terhadap kinerja bimbingan belajar berdasarkan empat perspektif Balanced Scorecard, yaitu keuangan, pelanggan, proses internal, serta pembelajaran dan pertumbuhan. Penelitian menggunakan pendekatan mixed methods dengan dominasi kualitatif melalui desain case study pada lima bimbingan belajar di Kabupaten Karawang yang telah menggunakan aplikasi BimbelKu Pro minimal enam bulan. Data dikumpulkan melalui wawancara mendalam, kuesioner skala Likert kepada pemilik atau manajer dan orang tua/wali siswa, serta analisis dokumen keuangan dan operasional, kemudian dianalisis menggunakan model Miles, Huberman, dan Saldaña yang dipadukan dengan statistik deskriptif. Hasil penelitian menunjukkan bahwa implementasi aplikasi memberikan dampak positif terhadap kinerja bimbingan belajar dengan capaian kinerja berada pada kategori baik. Perspektif proses internal memperoleh nilai tertinggi, diikuti perspektif keuangan, pembelajaran dan pertumbuhan, serta pelanggan. Temuan penelitian juga menunjukkan bahwa keberhasilan implementasi dipengaruhi oleh kesiapan pengelola, intensitas pemanfaatan fitur, dan kondisi operasional masing-masing lembaga. Penelitian ini menegaskan bahwa pendekatan Balanced Scorecard mampu memberikan evaluasi yang komprehensif terhadap implementasi sistem informasi manajemen pada lembaga bimbingan belajar sekaligus menghasilkan rekomendasi bagi pengembang aplikasi dan pengelola dalam mendukung transformasi digital pendidikan nonformal.
MANAJEMEN SISTEM PEMBELAJARAN UNTUK MENINGKATKAN EFEKTIVITAS PENDIDIKAN DI ERA DIGITAL Rusdi Kurniawan; Helsa Jumaipa WY; Andi Fitri Wahyu Ramadhani; Ahmad Subagyo; Rabiatul Adawiyah
TEACHING : Jurnal Inovasi Keguruan dan Ilmu Pendidikan Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/teaching.v6i3.13047

Abstract

The advancement of information technology has transformed educational practices and increased the need for systematic and integrated learning management. Learning system management plays a crucial role in improving educational effectiveness by optimizing the relationship among learning objectives, learners, educators, instructional methods, media, and assessment. This study aims to analyze the concept of learning system management, identify the main components of learning systems, and examine their implementation in improving educational quality in the digital era. The research employed a qualitative approach using a literature review method. Data were collected from books, national journal articles, and international journal articles published between 2015 and 2025. Data analysis was conducted through content analysis involving identification, classification, and synthesis of relevant literature. The findings reveal that learning system management consists of integrated functions of planning, organizing, implementation, and evaluation. The main components of a learning system include learning objectives, learners, educators, instructional materials, teaching methods, learning media, and assessment. Furthermore, the implementation of Learning Management Systems (LMS) has enhanced learning effectiveness by improving accessibility, flexibility, and efficiency in educational processes. Therefore, integrated learning system management is essential for improving educational quality and supporting sustainable learning in the digital era. ABSTRAK Perkembangan teknologi informasi telah mendorong perubahan paradigma dalam penyelenggaraan pendidikan sehingga diperlukan pengelolaan pembelajaran yang lebih sistematis dan terintegrasi. Manajemen sistem pembelajaran menjadi salah satu faktor penting dalam meningkatkan efektivitas proses pendidikan karena mampu mengoptimalkan keterkaitan antara tujuan pembelajaran, peserta didik, pendidik, metode, media, dan evaluasi. Penelitian ini bertujuan untuk menganalisis konsep manajemen sistem pembelajaran, mengidentifikasi komponen-komponen utama sistem pembelajaran, serta mengkaji implementasinya dalam meningkatkan kualitas pendidikan pada era digital. Penelitian menggunakan pendekatan kualitatif dengan metode studi literatur. Data diperoleh melalui kajian berbagai buku, artikel jurnal nasional, dan artikel jurnal internasional yang relevan dan dipublikasikan pada periode 2020–2025. Analisis data dilakukan menggunakan teknik content analysis melalui proses identifikasi, klasifikasi, dan sintesis literatur. Hasil penelitian menunjukkan bahwa manajemen sistem pembelajaran terdiri atas fungsi perencanaan, pengorganisasian, pelaksanaan, dan evaluasi yang saling terintegrasi. Komponen utama sistem pembelajaran meliputi tujuan pembelajaran, peserta didik, pendidik, materi, metode, media, dan evaluasi. Selain itu, pemanfaatan Learning Management System (LMS) terbukti mendukung efektivitas pengelolaan pembelajaran melalui peningkatan aksesibilitas, fleksibilitas, dan efisiensi proses belajar. Oleh karena itu, penerapan manajemen sistem pembelajaran yang terintegrasi menjadi kebutuhan penting dalam upaya meningkatkan mutu pendidikan di era digital.    
DATA-DRIVEN DECISION MAKING DALAM PEMBELAJARAN: SEBUAH TINJAUAN SISTEMATIS TENTANG PERAN, TANTANGAN, DAN PRAKTIK GURU Luthfi Yacob; Adam Pinaria; Yunita Septiani; Ahmad Subagyo; Rabiatul Adawiyah
TEACHING : Jurnal Inovasi Keguruan dan Ilmu Pendidikan Vol. 6 No. 3 (2026)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/teaching.v6i3.13561

Abstract

ABSTRACT Digital transformation in education has significantly increased the availability of school data; however, its use to support teachers' instructional decision-making remains limited. This study aims to analyze the role of Data-Driven Decision Making (DDDM) at the classroom level, identify major barriers to its implementation, and formulate effective teaching practices for meaningful data utilization. A Systematic Literature Review (SLR) was conducted following the PRISMA 2020 guidelines. The review process included identification, screening, eligibility assessment, quality appraisal using the Mixed Methods Appraisal Tool (MMAT) 2018, and thematic synthesis of 13 primary studies published between 2021 and 2025 from both international and national databases. The findings reveal three major barriers to effective DDDM implementation: limited instructional data literacy among teachers, cultural resistance reflected in deficit thinking, and the dominance of a compliance-oriented school culture. Conversely, successful implementation is supported by decision-driven data collection, the institutionalization of collaborative data teams within Professional Learning Communities, and the establishment of psychological safety by school leaders to encourage reflective data use. The study concludes that successful DDDM implementation depends primarily on strengthening human capacity and transforming organizational culture rather than relying solely on technological advancement. These findings provide important implications for improving Data-Based Planning (Perencanaan Berbasis Data/PBD) policies in Indonesia by strengthening teachers' data literacy, fostering collaborative learning cultures, and creating supportive school environments for evidence-based decision making. ABSTRAK Transformasi digital di bidang pendidikan menghasilkan ketersediaan data yang semakin melimpah di sekolah, namun pemanfaatannya sebagai dasar pengambilan keputusan instruksional oleh guru masih belum optimal. Penelitian ini bertujuan menganalisis peran Data-Driven Decision Making (DDDM) pada tingkat kelas, mengidentifikasi berbagai hambatan implementasinya, serta merumuskan praktik guru yang efektif dalam memanfaatkan data untuk meningkatkan kualitas pembelajaran. Penelitian menggunakan metode Systematic Literature Review (SLR) dengan mengacu pada pedoman PRISMA 2020. Proses penelitian meliputi identifikasi, penyaringan, penilaian kelayakan, penilaian kualitas menggunakan Mixed Methods Appraisal Tool (MMAT) 2018, serta sintesis tematik terhadap 13 artikel primer yang diterbitkan pada periode 2021–2025 dari basis data internasional dan nasional. Hasil kajian menunjukkan bahwa implementasi DDDM di tingkat kelas masih menghadapi tiga hambatan utama, yaitu rendahnya literasi data instruksional guru, resistensi budaya berupa bias kognitif (deficit thinking), serta dominasi budaya kepatuhan administratif (compliance culture). Sebaliknya, praktik yang terbukti efektif meliputi penerapan pengumpulan data berbasis keputusan (decision-driven data collection), penguatan kolaborasi melalui tim data dalam Komunitas Belajar, dan penciptaan keamanan psikologis oleh pimpinan sekolah untuk mendorong penggunaan data secara reflektif. Penelitian ini menyimpulkan bahwa keberhasilan implementasi DDDM lebih ditentukan oleh peningkatan kapasitas sumber daya manusia dan transformasi budaya organisasi dibandingkan oleh ketersediaan teknologi semata. Temuan ini memberikan implikasi penting bagi penguatan kebijakan Perencanaan Berbasis Data (PBD) di Indonesia melalui peningkatan literasi data guru, pengembangan budaya kolaboratif, dan penciptaan lingkungan sekolah yang mendukung pengambilan keputusan berbasis bukti.
Housing Cooperatives: Exploring Sustainable, Affordable, and Inclusive Living Diah Nofitasari; Ahmad Subagyo; Fitriana Dewi Sumaryana; Sugiyanto Ikhsan
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 5 No. 5: Juli 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v5i5.18320

Abstract

This study addresses the persistent global housing crisis, marked by rapid urbanization, rising land and construction costs, and increasing income inequality. The research aims to critically analyze housing cooperatives as a sustainable and inclusive solution to these challenges, focusing on their capacity to provide adequate and affordable housing where market-driven models have fallen short.A qualitative approach is adopted, combining an extensive literature review with comparative case studies from Indonesia, India, Jordan, Australia, Saudi Arabia, and Europe. The analysis covers the historical development, legal and policy frameworks, financing models, governance structures, and social and environmental impacts of housing cooperatives. The findings reveal that housing cooperatives significantly enhance affordability, promote social inclusion, and strengthen community resilience, especially when supported by enabling legal frameworks, innovative financing, and strong participatory governance. However, challenges such as regulatory complexity, limited access to long-term funding, and low public awareness persist. To maximize the potential of housing cooperatives, the study recommends strengthening legal recognition, fostering financial innovation, building institutional capacity, and encouraging multi-stakeholder collaboration. These measures are essential for advancing equitable and sustainable urban development.
Co-Authors Adam Pinaria Agus Nugraha Agus Syarif Andi Fitri Wahyu Ramadhani Anwar, Anas Iswanto Baenuri Baenuri Burhan Diah Nofitasari Didi Kurniadi Dwi Haryanto Endy Sjaiful Alim Fadhli Asril Fadil Akbar Fahmi Firmansyah Fauziah Maryani Fitriana Dewi Sumaryana Fitriana Dewi Sumaryana Helsa Jumaipa WY I Nyoman Bontot Ikhsan, Sugiyanto Jaka Sudewa Joko Suseno Luthfi Yacob M. Mashuri Nurkulla M. Sofian Hadi Martino Wibowo Miftahul Faizin Muhamad Sofian Hadi Nasuhi Nasuhi Neni Handayani Nurhabibah Paisal Aripin Parihin Parihin Rabiatul Adawiyah Rabiatul Adawiyah Rabiyatul Adawiyah Renei Indriaty Rilly Fatmawati Rusdi Kurniawan Teguh Agus Wahyuda Velya Pramesthi Putri Ragil Wahyu Anggoro Wahyu Indria Sri Darmasari Yunita Septiani Zulfitria