PERAN KOPERASI SIMPAN PINJAM DALAM MENSEJAHTERAKAN ANGGOTA : SYSTEM LITERATUR REVIEW

Stefanus Masiun

doi:10.31955/mea.v10i1.7451

Stefanus Masiun Institut Teknologi Keling Kumang, Sekadau

DOI: https://doi.org/10.31955/mea.v10i1.7451

Abstract

This study aims to analyze the role of Credit Unions (CUs) in improving the welfare of their members based on a synthesis of several previous studies. The background of this study is based on the importance of member-based financial institutions in supporting the economic empowerment of the community, especially micro and small businesses. The method used is a Systematic Literature Review (SLR) of four relevant studies discussing the role of cooperatives and KSPPS in improving member welfare. The analysis technique was carried out through identification, classification, and synthesis of research findings to obtain a pattern of dominant roles. The results of the study show that Credit Unions play a role in: (1) providing access to capital and financing for productive businesses, (2) facilitating loans for urgent needs, (3) protecting members from loan sharking practices, and (4) economic and social empowerment through training, mentoring, and strengthening solidarity. These roles have an impact on increasing income, the ability to meet basic needs, and the creation of a sense of financial security for members. It is concluded that Credit Unions not only function as financial intermediary institutions, but also as agents of community-based economic empowerment that contribute to the sustainable welfare of members.

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