The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia

Ellyza Zainudin; Fajar Ari Setiawan; Diana Ria Winanti Napitupulu

doi:10.47268/tatohi.v5i7.3013

The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia

Ellyza Zainudin⁽¹⁾, Fajar Ari Setiawan⁽²⁾, Diana Ria Winanti Napitupulu⁽³⁾

(1) Faculty of Law, Universitas Kristen Indonesia, Jakarta, Indonesia
(2) Faculty of Law, Universitas Kristen Indonesia, Jakarta, Indonesia
(3) Faculty of Law, Universitas Kristen Indonesia, Jakarta, Indonesia

Corresponding Author

Abstract

Introduction: Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services.

Purposes of the Research: Analyze the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identify the challenges faced, and provide recommendations to improve the role of cooperatives in expanding financial access for the community.

Methods of the Research: This study uses a qualitative approach with descriptive analysis to describe the role and contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia.

Findings of the Research: This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals. Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services. This paper analyzes the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identifies the challenges faced, and provides recommendations to improve the role of cooperatives in expanding financial access for the community. This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals.

Keywords

Savings and Loan Cooperatives; Financial Inclusion; Economic Empowerment.

DOI

10.47268/tatohi.v5i7.3013

Published

2025-09-30

How To Cite

APA: Zainudin, E., Setiawan, F.A., & Napitupulu, D.R. (2025). The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia. TATOHI: Jurnal Ilmu Hukum, 5(7), 326-330. DOI: https://doi.org/10.47268/tatohi.v5i7.3013.

IEEE: E. Zainudin, F.A. Setiawan, and D.R. Napitupulu, "The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia", TATOHI J. Ilmu Huk., vol. 5, no. 7, pp. 326-330, Sep. 2025. Accessed on: Oct. 9, 2025. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v5i7.3013

Harvard: Zainudin, E., Setiawan, F.A., and Napitupulu, D.R., (2025). "The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia". TATOHI: Jurnal Ilmu Hukum, Volume 5(7), pp. 326-330. [Online]. Available DOI: https://doi.org/10.47268/tatohi.v5i7.3013 (Accessed on: 9 October 2025)

Chicago: Zainudin, Ellyza, Fajar Ari Setiawan, and Diana Ria Winanti Napitupulu. "The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia." TATOHI: Jurnal Ilmu Hukum 5, no. 7 (October 7, 2025): 326-330. Accessed October 9, 2025. doi:10.47268/tatohi.v5i7.3013

Vancouver: Zainudin E, Setiawan FA, Napitupulu DR. The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia. TATOHI J. Ilmu Huk. [Internet]. 2025 Sep 30 [cited 2025 Oct 9];5(7):326-330. Available from: https://doi.org/10.47268/tatohi.v5i7.3013

MLA 8th: Zainudin, Ellyza, Fajar Ari Setiawan, and Diana Ria Winanti Napitupulu. "The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia." TATOHI: Jurnal Ilmu Hukum, vol. 5, no. 7, 7 Oct. 2025, pp. 326-330, doi:10.47268/tatohi.v5i7.3013. Accessed 9 Oct. 2025.

BibTeX:

@article{TATOHI3013,
		author = {Ellyza Zainudin and Fajar Setiawan and Diana Napitupulu},
		title = {The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia},
		journal = {TATOHI: Jurnal Ilmu Hukum},
		volume = {5},
		number = {7},
		year = {2025},
		keywords = {Savings and Loan Cooperatives; Financial Inclusion; Economic Empowerment.},
		abstract = {Introduction: Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services.Purposes of the Research: Analyze the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identify the challenges faced, and provide recommendations to improve the role of cooperatives in expanding financial access for the community.Methods of the Research: This study uses a qualitative approach with descriptive analysis to describe the role and contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia.Findings of the Research: This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals. Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services. This paper analyzes the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identifies the challenges faced, and provides recommendations to improve the role of cooperatives in expanding financial access for the community. This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals.},
				issn = {2775-619X},		pages = {326--330}			doi = {10.47268/tatohi.v5i7.3013},
				url = {https://fhukum.unpatti.ac.id/jurnal/tatohi/article/view/3013}
		}

RefWorks:

Citation format: Download Citation:

Allen, F., Demirgüç-Kunt, A., Klapper, L., & Peria, M. S. M. (2016). “The Foundations of Financial Inclusion: Understanding Ownership And Use of Formal Accounts”. Journal of Financial Intermediation, 27 (2016): 1–30. https://doi.org/10.1016/j.jfi.2015.12.003.

Keling Kumang Group. (2023). Profil Kredit Union Keling Kumang. Retrieved from: https://www.kelingkumang.com.

Nasution, M. E. “The Role of Savings snd Loan Cooperatives In Increasing Financial Inclusion In Rural Communities”. Jurnal Ilmu Ekonomi dan Pembangunan 17 no. 1 (2017): 45–56.

Kementerian Koperasi dan UKM Republik Indonesia. Laporan Tahunan Koperasi Indonesia 2021. (Jakarta: Kementerian Koperasi dan UKM, 2021).

Otoritas Jasa Keuangan. Survei Nasional Literasi dan Inklusi Keuangan 2022. Jakarta: OJK, 2023.

Pranoto, Y., & Nugroho, A. “Peran Koperasi dalam Mendorong Inklusi Keuangan dan Pemberdayaan Ekonomi Masyarakat”. Jurnal Ekonomi Kerakyatan 9, no 1 (2021): 55–66.

Rahayu, D., & Susilo, D. (2019). “Peran Koperasi Simpan Pinjam Dalam Pemberdayaan Ekonomi Masyarakat Melalui Edukasi Keuangan Dan Pendampingan Usaha”. Jurnal Koperasi dan UMKM, 7, no. 2 (2019): 98–110.

Suryani, I., & Widyastuti, U. (2020). “The Role of Savings and Loan Cooperatives in Supporting Financial Inclusion In Indonesia”. Jurnal Ekonomi dan Pembangunan Indonesia 20, no. 2 (2020): 101–115.

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Dublin Core		PKP Metadata Items	Metadata for this Document

1.	Title	Title of document	The Contribution of Savings and Loan Cooperatives to Financial Inclusion in Indonesia

2.	Creator	Author's name, affiliation, country	Ellyza Zainudin; Faculty of Law, Universitas Kristen Indonesia, Jakarta; Indonesia

2.	Creator	Author's name, affiliation, country	Fajar Ari Setiawan; Faculty of Law, Universitas Kristen Indonesia, Jakarta; Indonesia

2.	Creator	Author's name, affiliation, country	Diana Ria Winanti Napitupulu; Faculty of Law, Universitas Kristen Indonesia, Jakarta; Indonesia

3.	Subject	Discipline(s)

3.	Subject	Keyword(s)	Savings and Loan Cooperatives; Financial Inclusion; Economic Empowerment.

4.	Description	Abstract	Introduction: Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services.Purposes of the Research: Analyze the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identify the challenges faced, and provide recommendations to improve the role of cooperatives in expanding financial access for the community.Methods of the Research: This study uses a qualitative approach with descriptive analysis to describe the role and contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia.Findings of the Research: This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals. Savings and Loan Cooperatives in Indonesia have a very important role in increasing financial inclusion, especially among low-income communities and groups that are not reached by conventional banking services. This paper analyzes the contribution of Savings and Loan Cooperatives to financial inclusion in Indonesia, identifies the challenges faced, and provides recommendations to improve the role of cooperatives in expanding financial access for the community. This research shows that Savings and Loan Cooperatives have great potential in reducing inequality of access to finance, but also need improvements in terms of regulation, technology, and financial education to be more effective in achieving their goals.

5.	Publisher	Organizing agency, location	Faculty of Law, Universitas Pattimura

6.	Contributor	Sponsor(s)

7.	Date	(YYYY-MM-DD)	2025-09-30

8.	Type	Status & genre	Peer-reviewed Article

8.	Type	Type

9.	Format	File format	PDF

10.	Identifier	Uniform Resource Identifier	https://fhukum.unpatti.ac.id/jurnal/tatohi/article/view/3013

10.	Identifier	Digital Object Identifier	10.47268/tatohi.v5i7.3013

11.	Source	Title; vol., no. (year)	TATOHI: Jurnal Ilmu Hukum; Volume 5 Issue 7, September 2025

12.	Language	English=en	en

13.	Relation	Supp. Files

14.	Coverage	Geo-spatial location, chronological period, research sample (gender, age, etc.)

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