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

Ellyza Zainudin(1email), 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 orcid
email Corresponding Author
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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. 30, 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: 30 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 30, 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 30];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 30 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:

   

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 orcid
 
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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