Strategi Pengembangan Lembaga Koperasi Simpan Pinjam Makmur Mandiri Cabang Purwokerto Kabupaten Banyumas

Abstract

This study examines development strategies for Koperasi Simpan Pinjam (KSP) Mandiri Makmur Purwokerto Branch, a key player in Indonesia's economy. The cooperative provides inclusive financial access to middle and lower-income groups with a broad network. Using qualitative methods including interviews, observations, and literature review, the study identifies internal strengths such as skilled human resources and adequate capital, and external opportunities like digital technology and government support. Challenges include intense competition, low financial literacy, and credit risk. Proposed development strategies include digitalizing services, diversifying products, enhancing member loyalty, forming strategic partnerships, and strengthening institutional capacity to ensure professionalism and independence. The study offers concrete recommendations to optimize the cooperative's role as a driver of grassroots economic empowerment adaptable to modern developments.