Jurnal Dinamika Ekonomi Syariah
Vol. 13 No. 3 (2026): Jurnal Dinamika Ekonomi Syariah

THE TRANSFORMATION OF VILLAGE COOPERATIVES TOWARD THE MERAH PUTIH COOPERATIVE MODEL: DIGITALIZATION CHALLENGES AND INSTITUTIONAL READINESS

Luluk Hijrawati (Universitas Nurul Jadid Probolinggo)
Desy Bariyyatul Qibtiyah (Universitas Nurul Jadid Probolinggo)



Article Info

Publish Date
10 Jul 2026

Abstract

This study aims to conduct an in-depth analysis of the transformation process of village cooperatives toward the Merah Putih Cooperative model as an institutional innovation to strengthen community economic self-reliance. Using a qualitative descriptive approach, this study examines the dynamics of the policy’s implementation in Lendang Ara Village through in-depth interviews, observations, and document analysis. The results indicate that the transformation process proceeds gradually through organizational restructuring and human resource capacity building, demonstrating progress in managerial capabilities and the adaptability of cooperative leaders. However, policy implementation still faces significant challenges, particularly regarding low digital literacy, limited digital infrastructure, and an administrative system that remains predominantly manual. Additionally, the dimension of business networking with external parties has not been systematically maximized. In conclusion, the transformation toward the Koperasi Merah Putih model holds great potential to enhance efficiency and competitiveness; however, its success is highly dependent on strengthened regulations, the provision of digital facilities, and consistent technical support to ensure the transformation process can proceed sustainably

Copyrights © 2026






Journal Info

Abbrev

es

Publisher

Subject

Religion Economics, Econometrics & Finance

Description

Jurnal Dinamika Ekonomi Syariah invites scholars researchers and students to contribute the result of their studies and researches in the areas related to Islamic economics Islamic public finance Islamic finance Islamic accounting Islamic business ethics Islamic banking Islamic insurance Islamic ...