Peran Koperasi dalam Meningkatkan Kesejahteraan Ekonomi Masyarakat

Abstract

Sharia cooperatives, one of the sharia-based financial institutions, play a vital role in supporting the community's economy, particularly for micro, small, and medium enterprises (MSMEs). The purpose of this study is to examine the development of sharia cooperatives in Indonesia, their role in improving community welfare, and to identify challenges and plans for their development in the current era. This is a qualitative study using a literature review method. The data used in this study comes from various sources, including books, scientific journals, scientific articles, government regulations, and official publications related to sharia cooperatives. The results show that sharia cooperatives have experienced a significant increase in the number, assets, and public interest in sharia financial services. Sharia cooperatives also help finance MSMEs, improve member welfare, and boost the sharia economy throughout the country. However, sharia cooperatives still face many challenges, such as a lack of knowledge about sharia finance, limited capital, the quality of human resources, and competition from fintech and digital finance companies. To ensure sustainable growth, a development plan is needed that strengthens regulations, digitizes cooperative services, improves human resource quality, and provides the public with knowledge about Islamic finance.