Al-Muqayyad
Vol. 8 No. 2 (2025): Al-Muqayyad

Pengembangan Koperasi ASN di Kabupaten Kutai Kartanegara: Analisis potensi, permasalahan, dan arah kebijakan

Panasiah, Santi Eka (Unknown)
Aini, Aini (Unknown)



Article Info

Publish Date
30 Dec 2025

Abstract

The welfare of State Civil Apparatus (ASN) significantly influences their performance, making the formation of cooperatives a vital economic empowerment strategy. This study aims to analyze the potential, challenges, and strategies for developing effective and sustainable ASN cooperatives. The research method used a qualitative descriptive survey, through primary data collection by distributing questionnaires to 387 ASN out of a total of 12,022 using the Slovin formula with a sampling error of 5%. The results showed that 88% of respondents fully supported the diversification of cooperative services. The most popular service was savings and loans (35.7%). However, there are three crucial challenges: (1) low awareness of the role of cooperatives; (2) Weak governance and management (including financial transparency); and (3) lack of inspirational figures. ASN cooperatives in Kutai Kartanegara have high potential for development, especially the savings and loans model. For sustainability, a professional and participatory strategy is needed, including the implementation of web-based technology for management transparency and strengthening member education. It is recommended that a Regent's regulation be issued to systematically regulate the management and supervision of ASN, in order to improve welfare and strengthen the local economy.

Copyrights © 2025






Journal Info

Abbrev

al-muqayyad

Publisher

Subject

Economics, Econometrics & Finance

Description

AL MUQAYYAD adalah Jurnal Program Studi Ekonomi Syariah STAI Auliaurrasyidin Tembilahan yang memuat tentang hasil penelitian, gagasan konseptual, review buku baru, studi naskah dibidang ekonomi keislaman dan keilmuan. Jurnal Al Muqayyad diharapakan mampu menjadi wadah bagi dosen dan praktisi ekonomi ...