EMPOWERMENT STRATEGY ECONOMY MEMBER THROUGH THE COOPERATIVE PROGRAM BASED ON INCLUSION FINANCE IN RURAL AREAS

Abstract

Study this to explore the role of cooperatives in expanding financial inclusion and empowering the rural economy in Indonesia. Using a qualitative approach, data were obtained through interviews, questionnaires, and observations involving administrators, employees, and members of cooperatives in the village. The results show that cooperatives play an important role in providing access to finance, though they are constrained by low financial literacy and technological limitations. Employees feel satisfied with the social impact of their work, but they also express the need for improved technical training. Field observations highlight the use of manual recording, which requires digitalization to increase operational efficiency. This research supports previous findings that cooperatives can enhance socio-economic welfare in rural areas. To optimize the role of cooperatives, improvements in financial literacy for members and support from the government and other stakeholders are necessary.