Optimalisasi Permodalan Koperasi melalui Kemitraan Strategis dan Layanan Lembaga Keuangan

Abstract

Capital is one of the main foundations supporting the sustainability and growth of cooperative businesses. However, many cooperatives in Indonesia still face limited access to adequate capital sources. This study aims to analyze strategies for strengthening cooperative capital through partnership approaches and the utilization of services from both conventional and non-conventional financial institutions. The research method used is a qualitative approach with a case study on several cooperatives in the Cirebon region. Data were collected through in-depth interviews, observations, and documentation. The results show that strategic partnerships with the private sector, state-owned enterprises, as well as financial institutions such as banks, savings and loan cooperatives, and fintech lending, significantly increase the capital capacity of cooperatives. Additionally, institutional support, financial literacy of cooperative managers, and supportive government regulations are key factors in the success of these strategies. This study recommends the need for cross-sector synergy to create an inclusive and sustainable cooperative capital ecosystem.