Penguatan Partisipasi Anggota Koperasi Merah Putih Desa Karangagung Melalui Pembinaan Keuangan dan Integrasi Lembaga Pendidikan

Ratna Ani Lestari; Mangihut Siregar; Denta Putra Widyatama; Yusuf Bachtiar

doi:10.30640/cakrawala.v5i4.8116

Authors

Ratna Ani Lestari Universitas Wijaya Kusuma Surabaya
Mangihut Siregar Universitas Wijaya Kusuma Surabaya
Denta Putra Widyatama Universitas Wijaya Kusuma Surabaya
Yusuf Bachtiar Universitas Wijaya Kusuma Surabaya

DOI:

https://doi.org/10.30640/cakrawala.v5i4.8116

Keywords:

Community Service, Karangagung Village, Member Participation, Merah Putih Cooperative, Student Savings

Abstract

This community service program aimed to strengthen member participation in the Merah Putih Cooperative in Karangagung Village through financial guidance and educational institution integration. The program employed a Participatory Action Research (PAR) approach involving observation, interviews, training, financial recordkeeping assistance, and participatory evaluation. Participants included cooperative administrators, village officials, MSME representatives, and educational communities. The results showed that cooperative membership reached 168 individuals, with cumulative transactions totaling IDR 1.7 billion by July 2026. Educational institution integration through the student savings program generated daily savings ranging from IDR 250,000 to IDR 500,000, with SDN Karangagung providing the largest contribution. Financial guidance supported improvements in administration, financial transparency, and problematic loan management. Institutional achievements included receiving the Third Best Cooperative Award in East Java. These findings demonstrate that collaboration among village authorities, academics, and educational institutions strengthens member participation, promotes financial literacy, and supports sustainable cooperative development as a center for community economic empowerment and social participation.

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