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ANALYSIS OF MEASUREMENT INDICATORS OF MEMBERS’ COOPERATIVE LITERACY IN ISLAMIC SAVINGS-LOAN AND FINANCING COOPERATIVES
Corresponding Author(s) : Amelia Pratiwi
Humanities & Social Sciences Reviews,
Vol. 8 No. 2 (2020): March
Abstract
Purpose of the study: This study aims to investigate the measurement indicators used to measure the literacy rate for several Islamic cooperatives in D.I. Yogyakarta and to formulate an instrument to measure the cooperative literacy level of members and boards.
Methodology: The purposive sampling method was applied to choose 14 Islamic cooperatives as samples. Data were collected by distributing questionnaires to members and boards. The measurement of literacy utilises six indicators, namely institutional identity (JDL), duties and obligations of the financial institutions (TDK), organisational institutions (KL), the role of members (PA), Sharia deposit mechanism (MS), and Sharia financing mechanism (MP). The data was processed using the partial least square-structural equation modelling (PLS-SEM) analysis.
Main Findings: The results show that all indicators had significant influences on the level of cooperative literacy, which means that they can be used as instruments to measure the level of cooperative literacy. It is also revealed that although in general, the Islamic cooperative members and boards have a quite good understanding of cooperative literacy, but only in terms of attributes of financing mechanisms and sharia deposit.
Applications of this study: This study is useful for the development of Islamic cooperatives in D.I. Yogyakarta in particular and Indonesia in general, because of the high level of understanding of members about all aspects of cooperatives can increase their activities in the institution.
Novelty/Originality of this study: There are not many kinds of literature available on cooperative literacy. Some of them only focus on one institution. In contrast, this research involves several Islamic cooperatives to measure the level of cooperative literacy that could be applied in every cooperative in Indonesia.
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- Anania, P., & Rwekaza, G. C. (2016). The determinants of success in agricultural marketing co-operatives in tanzania: the experience from mweka sungu, mruwia and uru north njari agricultural marketing co- operatives in moshi district. European Journal of Research in Social Sciences, 4(3), 62–75.
- Anania, P., & Rwekaza, G. C. (2018). Co-Operative Education and Training as A Means to Improve Performance in Co-Operative Societies. Sumerianz Journal of Social Science, 1(2), 39–50.
- Anggoro, I. D. (2017). Pengaruh Partisipasi Anggota, Kepemimpinan Pengurus, dan Prinsip Pemberian Kredit terhadap Keberhasilan Usaha Koperasi Pegawai Republik Indonesia (KPRI) Rasa Kecamatan Doro Kabupaten Pekalongan. Jurnal Pendidikan Dan Ekonomi, 6(4), 311–318.
- Baswir, R. (2013). Koperasi Indonesia (2nd ed.). Yogyakarta: BPFE Yogyakarta.
- Bhuyan, S. (2007). The “people†factor in cooperatives: An analysis of members’ attitudes and behavior. Canadian Journal of Agricultural Economics, 55(3), 275–298. https://doi.org/10.1111/j.1744-7976.2007.00092.x DOI: https://doi.org/10.1111/j.1744-7976.2007.00092.x
- Birchall, J., & Simmons, R. (2014). The Involvement of Members in the Governance of Large- Scale Co-operative and Mutual Businesses : A Formative Evaluation of the Co-operative Group. Review of Social Economy, 62(4), 487–515. https://doi.org/10.1080/0034676042000296236 DOI: https://doi.org/10.1080/0034676042000296236
- Bond, J. K. (2009). Cooperative Financial Performance and Board of Director Characteristics: A Quantitative Investigation. Journal of Cooperatives, 22, 22–44.https://doi.org/10.22004/ag.econ.56955
- Briggeman, B. C., Jacobs, K. L., Kenkel, P., & Mckee, G. (2016). Current trends in cooperative finance. Agricultural Finance Review, 76(3), 402–410. https://doi.org/10.1108/AFR-04-2016-0034 DOI: https://doi.org/10.1108/AFR-04-2016-0034
- Catur, I. K., & Setiawina, N. D. (2018). Faktor-Faktor yang Mempengaruhi Partisipasi Anggota Koperasi dan Kesejahteraan Anggota pada Koperasi Unit Desa (KUD) di Kabupaten Jembrana. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 12, 2509–2534. https://doi.org/10.24843/EEB.2018.v07.i12.p03 DOI: https://doi.org/10.24843/EEB.2018.v07.i12.p03
- Chareonwongsak, K. (2017). Enhancing board motivation for competitive performance of Thailand’s co-operatives. Journal of Co-Operative Organization and Management, 5(1), 1–13. https://doi.org/10.1016/j.jcom.2017.01.001 DOI: https://doi.org/10.1016/j.jcom.2017.01.001
- Ernita, Firmansyah, & Rozi, A. Al. (2014). Factors Affecting The Members Participation On Cooperative In North Sumatera. International Journal of Scientific and Technology Research, 3(10), 113–117.
- Gimenes, R. M. T. G., Tapia, D. V., Binotto, E., & Gimenes, F. M. P. (2016). Cooperative Educational Training, Participation and Satisfaction: A Case Study in Agricultural Cooperatives. International Journal of Emerging Research in Management & Technology, 5(6), 42–54.
- Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (Second). Los Angeles, USA: SAGE Publications, Inc.
- Huang, C., Zazale, S., Othman, R., Aris, N. A., & Ariff, S. M. M. (2015). Influence of Cooperative Members’ Participation and Gender on Performance. Journal of Southeast Asian Research, 2015, 1–9. https://doi.org/10.5171/2015.610199 DOI: https://doi.org/10.5171/2015.610199
- Istiqamah, & Rahajuni, D. (2012). Evaluasi Penerapan Prinsip Koperasi Berdasarkan UU. No. 25 Tahun 1992 (Studi Kasus pada Koperasi-Koperasi Wanita di Kabupaten Banyumas). Spread, Jurnal Ilmiah Bisnis Dan Keuangan, 2(1), 65–72.
- Kinyuira, D. K. (2017). Assessing The Impact of Co-operative Education/Training on Co-operatives Performance. Journal of Strategy & Performance Management, 5(1), 23–41.
- Mendes, M. M., & Passador, C. S. (2014). The role of cooperative education and of the participation of members in the performance of the cooperative : a case study of a Brazilian agricultural cooperative. Researchgate. https://www.researchgate.net/publication/264883410_The_role_of_cooperative_education_and_of_the_participation_of_members_in_the_performance_of_the_cooperative_case_study_of_a_Brazilian_agricultural_cooperative/related
- Mustakini, J. H., & Abdilah, W. (2014). Konsep & Aplikasi PLS untuk Penelitian Empiris (1st ed.). Yogyakarta, Indonesia: BPFE Yogyakarta.
- Novianita & Hadi, S. (2017). Pengaruh Pengetahuan Perkoperasian, Kualitas Pelayanan dan Partisipasi Anggota terhadap Perolehan Sisa Hasil Usaha (SHU) Anggota KUD Banyumanik Kota Semarang. Economic Education Analysis Journal, 6(2), 591–601.
- Nugroho, L. (2015). The Challenges of Islamic Microfinance (Indonesia Evidence). European Journal of Islamic Finance, 0(1), 1–7. https://doi.org/10.13135/2421-2172/793
- Prakash, D. (2011). Management Capacity Building for Strengthening Cooperative Enterprises. International Cooperative Alliance (ICA). http://www.ica-ap.coop/sites/ica-ap.coop/files/articles_28.pdf
- Riansani, N., Indrawati, H., & Syabrus, H. (2016). Pengaruh Pengetahuan Anggota tentang Koperasi dan Kualitas Pelayanan terhadap Partisipasi Anggota pada Koperasi Sri Mersing SMK N 1 Tebing Tinggi Kabupaten Kepulauan Meranti. Jurnal Online Mahasiswa, 3(1), 1–9. https://doi.org/10.25273/equilibrium.v3i1.1029 DOI: https://doi.org/10.25273/equilibrium.v3i1.1029
- Setiadi, N. J. (2008). Perilaku Konsumen Konsep dan Implikasi untuk Strategi dan Penelitian Pemasaran. Jakarta, Indonesia: Kencana.
- Sholihin, M., & Ratmono, D. (2013). Analisis SEM-PLS dengan WarpPLS 3.0. Yogyakarta, Indonesia: Andi Yogyakarta.
- Sujianto, A. E. (2016). Pengaruh Pendidikan, Pelatihan dan Penyuluhan Terhadap Partisipasi Anggota Koperasi Pondok Pesantren. Inferensi, Jurnal Penelitian Sosial Keagamaan, 6(2), 325. https://doi.org/10.18326/infsl3.v6i2.325-348 DOI: https://doi.org/10.18326/infsl3.v6i2.325-348
- Sukamdiyo, I. (1996). Manajemen Koperasi. Jakarta: Erlangga.
- Trisuladana, R., & Suparman, A. (2017). Pengaruh Pendidikan Perkoperasian dan Komitmen Organisasi terhadap Partisipasi Anggota Koperasi CU Pundhi Arta. Jurnal Bisnis Teori Dan Implementasi, 8(1), 73–83. https://doi.org/10.18196/bti.81084 DOI: https://doi.org/10.18196/bti.81084
- Utami, R., Asriati, N., & Syahrudin, H. (2015). Faktor-Faktor yang Mempengaruhi Partisipasi Anggota pada Koperasi Pegawai Negeri Politeknik Pontianak. Jurnal Pendidikan Dan Pembelajaran, 4(7).
- Wilson, M. (2014). Why education is so important for co-operatives. Coop News. https://www.thenews.coop/84160/sector/education-important-co-operatives/
- Wira, V., & Gustati. (2016). Peranan Pengetahuan Dalam Meningkatkan Partisipasi Anggota Koperasi Simpan Pinjam Dan Pembiayaan Syariah (KSPPS) (Survey Pada Anggota KSPPS Kapalo Koto dan Lambuang Bukik). Account Jurnal Akuntansi, Keuangan Dan Perbankan, 3(2), 514–523.
References
Anania, P., & Rwekaza, G. C. (2016). The determinants of success in agricultural marketing co-operatives in tanzania: the experience from mweka sungu, mruwia and uru north njari agricultural marketing co- operatives in moshi district. European Journal of Research in Social Sciences, 4(3), 62–75.
Anania, P., & Rwekaza, G. C. (2018). Co-Operative Education and Training as A Means to Improve Performance in Co-Operative Societies. Sumerianz Journal of Social Science, 1(2), 39–50.
Anggoro, I. D. (2017). Pengaruh Partisipasi Anggota, Kepemimpinan Pengurus, dan Prinsip Pemberian Kredit terhadap Keberhasilan Usaha Koperasi Pegawai Republik Indonesia (KPRI) Rasa Kecamatan Doro Kabupaten Pekalongan. Jurnal Pendidikan Dan Ekonomi, 6(4), 311–318.
Baswir, R. (2013). Koperasi Indonesia (2nd ed.). Yogyakarta: BPFE Yogyakarta.
Bhuyan, S. (2007). The “people†factor in cooperatives: An analysis of members’ attitudes and behavior. Canadian Journal of Agricultural Economics, 55(3), 275–298. https://doi.org/10.1111/j.1744-7976.2007.00092.x DOI: https://doi.org/10.1111/j.1744-7976.2007.00092.x
Birchall, J., & Simmons, R. (2014). The Involvement of Members in the Governance of Large- Scale Co-operative and Mutual Businesses : A Formative Evaluation of the Co-operative Group. Review of Social Economy, 62(4), 487–515. https://doi.org/10.1080/0034676042000296236 DOI: https://doi.org/10.1080/0034676042000296236
Bond, J. K. (2009). Cooperative Financial Performance and Board of Director Characteristics: A Quantitative Investigation. Journal of Cooperatives, 22, 22–44.https://doi.org/10.22004/ag.econ.56955
Briggeman, B. C., Jacobs, K. L., Kenkel, P., & Mckee, G. (2016). Current trends in cooperative finance. Agricultural Finance Review, 76(3), 402–410. https://doi.org/10.1108/AFR-04-2016-0034 DOI: https://doi.org/10.1108/AFR-04-2016-0034
Catur, I. K., & Setiawina, N. D. (2018). Faktor-Faktor yang Mempengaruhi Partisipasi Anggota Koperasi dan Kesejahteraan Anggota pada Koperasi Unit Desa (KUD) di Kabupaten Jembrana. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 12, 2509–2534. https://doi.org/10.24843/EEB.2018.v07.i12.p03 DOI: https://doi.org/10.24843/EEB.2018.v07.i12.p03
Chareonwongsak, K. (2017). Enhancing board motivation for competitive performance of Thailand’s co-operatives. Journal of Co-Operative Organization and Management, 5(1), 1–13. https://doi.org/10.1016/j.jcom.2017.01.001 DOI: https://doi.org/10.1016/j.jcom.2017.01.001
Ernita, Firmansyah, & Rozi, A. Al. (2014). Factors Affecting The Members Participation On Cooperative In North Sumatera. International Journal of Scientific and Technology Research, 3(10), 113–117.
Gimenes, R. M. T. G., Tapia, D. V., Binotto, E., & Gimenes, F. M. P. (2016). Cooperative Educational Training, Participation and Satisfaction: A Case Study in Agricultural Cooperatives. International Journal of Emerging Research in Management & Technology, 5(6), 42–54.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2017). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) (Second). Los Angeles, USA: SAGE Publications, Inc.
Huang, C., Zazale, S., Othman, R., Aris, N. A., & Ariff, S. M. M. (2015). Influence of Cooperative Members’ Participation and Gender on Performance. Journal of Southeast Asian Research, 2015, 1–9. https://doi.org/10.5171/2015.610199 DOI: https://doi.org/10.5171/2015.610199
Istiqamah, & Rahajuni, D. (2012). Evaluasi Penerapan Prinsip Koperasi Berdasarkan UU. No. 25 Tahun 1992 (Studi Kasus pada Koperasi-Koperasi Wanita di Kabupaten Banyumas). Spread, Jurnal Ilmiah Bisnis Dan Keuangan, 2(1), 65–72.
Kinyuira, D. K. (2017). Assessing The Impact of Co-operative Education/Training on Co-operatives Performance. Journal of Strategy & Performance Management, 5(1), 23–41.
Mendes, M. M., & Passador, C. S. (2014). The role of cooperative education and of the participation of members in the performance of the cooperative : a case study of a Brazilian agricultural cooperative. Researchgate. https://www.researchgate.net/publication/264883410_The_role_of_cooperative_education_and_of_the_participation_of_members_in_the_performance_of_the_cooperative_case_study_of_a_Brazilian_agricultural_cooperative/related
Mustakini, J. H., & Abdilah, W. (2014). Konsep & Aplikasi PLS untuk Penelitian Empiris (1st ed.). Yogyakarta, Indonesia: BPFE Yogyakarta.
Novianita & Hadi, S. (2017). Pengaruh Pengetahuan Perkoperasian, Kualitas Pelayanan dan Partisipasi Anggota terhadap Perolehan Sisa Hasil Usaha (SHU) Anggota KUD Banyumanik Kota Semarang. Economic Education Analysis Journal, 6(2), 591–601.
Nugroho, L. (2015). The Challenges of Islamic Microfinance (Indonesia Evidence). European Journal of Islamic Finance, 0(1), 1–7. https://doi.org/10.13135/2421-2172/793
Prakash, D. (2011). Management Capacity Building for Strengthening Cooperative Enterprises. International Cooperative Alliance (ICA). http://www.ica-ap.coop/sites/ica-ap.coop/files/articles_28.pdf
Riansani, N., Indrawati, H., & Syabrus, H. (2016). Pengaruh Pengetahuan Anggota tentang Koperasi dan Kualitas Pelayanan terhadap Partisipasi Anggota pada Koperasi Sri Mersing SMK N 1 Tebing Tinggi Kabupaten Kepulauan Meranti. Jurnal Online Mahasiswa, 3(1), 1–9. https://doi.org/10.25273/equilibrium.v3i1.1029 DOI: https://doi.org/10.25273/equilibrium.v3i1.1029
Setiadi, N. J. (2008). Perilaku Konsumen Konsep dan Implikasi untuk Strategi dan Penelitian Pemasaran. Jakarta, Indonesia: Kencana.
Sholihin, M., & Ratmono, D. (2013). Analisis SEM-PLS dengan WarpPLS 3.0. Yogyakarta, Indonesia: Andi Yogyakarta.
Sujianto, A. E. (2016). Pengaruh Pendidikan, Pelatihan dan Penyuluhan Terhadap Partisipasi Anggota Koperasi Pondok Pesantren. Inferensi, Jurnal Penelitian Sosial Keagamaan, 6(2), 325. https://doi.org/10.18326/infsl3.v6i2.325-348 DOI: https://doi.org/10.18326/infsl3.v6i2.325-348
Sukamdiyo, I. (1996). Manajemen Koperasi. Jakarta: Erlangga.
Trisuladana, R., & Suparman, A. (2017). Pengaruh Pendidikan Perkoperasian dan Komitmen Organisasi terhadap Partisipasi Anggota Koperasi CU Pundhi Arta. Jurnal Bisnis Teori Dan Implementasi, 8(1), 73–83. https://doi.org/10.18196/bti.81084 DOI: https://doi.org/10.18196/bti.81084
Utami, R., Asriati, N., & Syahrudin, H. (2015). Faktor-Faktor yang Mempengaruhi Partisipasi Anggota pada Koperasi Pegawai Negeri Politeknik Pontianak. Jurnal Pendidikan Dan Pembelajaran, 4(7).
Wilson, M. (2014). Why education is so important for co-operatives. Coop News. https://www.thenews.coop/84160/sector/education-important-co-operatives/
Wira, V., & Gustati. (2016). Peranan Pengetahuan Dalam Meningkatkan Partisipasi Anggota Koperasi Simpan Pinjam Dan Pembiayaan Syariah (KSPPS) (Survey Pada Anggota KSPPS Kapalo Koto dan Lambuang Bukik). Account Jurnal Akuntansi, Keuangan Dan Perbankan, 3(2), 514–523.