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The Effect Of Cooperatives Credit To The Welfare

Author

Listed:
  • Nuraini Dwiputri, Inayati

    (Department of Economics, Faculty of Economics and Business, Universitas Negeri Malang, Indonesia.)

  • Fajar Prastiwi, Lustina

    (Department of Economics, Faculty of Economics and Business, Universitas Negeri Malang, Indonesia.)

  • Agustin, Grisvia

    (Department of Economics, Faculty of Economics and Business, Universitas Negeri Malang, Indonesia.)

  • Daffa Ibrahim, Mochammad

    (Department of Economics, Faculty of Economics and Business, Universitas Negeri Malang, Indonesia.)

Abstract

Cooperatives are considered to have provided benefits and advantages for the community who are members of the cooperative especially, both households, community groups and business actors. However, with the development of the world economy, the existence of cooperatives is now considered to be starting to shift. One of the assumptions in society that is currently arising is that cooperatives have started to lose the principles of kinship, especially savings and loan cooperatives which have started to be profit-oriented, so the impact of these cooperatives is starting to be questioned. Therefore, this study wants to identify the effect of savings and loan cooperatives in improving people's welfare and increasing the performance of businesses. Regression analysis shows that the use of credit savings and loan cooperatives can have a positive effect in improving people's welfare. This research can be used as the basis for formulating community policies in an effort to improve community welfare through cooperatives.

Suggested Citation

  • Nuraini Dwiputri, Inayati & Fajar Prastiwi, Lustina & Agustin, Grisvia & Daffa Ibrahim, Mochammad, 2022. "The Effect Of Cooperatives Credit To The Welfare," UTMS Journal of Economics, University of Tourism and Management, Skopje, Macedonia, vol. 13(2), pages 276-284.
    • Handle: RePEc:ris:utmsje:0340
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    More about this item

    Keywords

    saving; loan; cooperative; welfare; omzet;
    All these keywords.

    JEL classification:

    • F61 - International Economics - - Economic Impacts of Globalization - - - Microeconomic Impacts
    • F63 - International Economics - - Economic Impacts of Globalization - - - Economic Development
    • G18 - Financial Economics - - General Financial Markets - - - Government Policy and Regulation
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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