Pengembangan Sistem Pendampingan UMKM Berbasis Koperasi: Studi Eksplorasi pada Anggota Credit Union Sumber Sejahtera Developing a Cooperative-Based MSME Assistance System: An Exploratory Study of Sumber Sejahtera Credit Union Members
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Abstract
Micro, Small, and Medium Enterprises (MSMEs) play a strategic role in improving community welfare and regional economic development; however, their management still faces limitations in managerial, financial, production, and marketing aspects. This Community Service activity aims to identify the business management conditions of MSME members of the Sumber Sejahtera Credit Union Cooperative (CU SUTERA) as a basis for developing a targeted and sustainable business assistance system. The method used was a qualitative approach through interviews with six MSME members of CU SUTERA in Banjarbaru City, with data analyzed descriptively. The results show that most MSMEs still face challenges in financial record-keeping, lack production standard operating procedures, have limited product and packaging innovation, and rely on conventional marketing with limited use of digital technology. Based on these findings, a cooperative-based MSME assistance model was developed, covering financial assistance, production and innovation, digital marketing, and the strengthening of managerial and human resource capacities. This model is expected to strengthen the role of cooperatives as centers of member economic empowerment and to improve the independence, competitiveness, and sustainability of MSME businesses within CU SUTERA.
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