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Analysis of The Members Cooperative Literacy on The Financial Performance of Sharia Cooperatives: A Case Study of Sharia Savings and Loan Cooperatives in The Special Region of Yogyakarta
Amelia Pratiwi and Fauziah Rahmah

Department of Sharia Economics, Faculty of Islamic Studies, Universitas Muhammadiyah Yogyakarta


This study is intended to determine the effect of the literacy level of Islamic cooperative members on the financial performance of these institutions. It analyzes 14 Sharia cooperatives in the Special Region of Yogyakarta as samples, which were selected using the purposive sampling method. The measurement of cooperative literacy uses 6 indicators, which is measured the knowledge of institutional identity (JDL), the duties and obligations of institutions (TDK), the organizational institutions (KL), the role of cooperative members (PA), the deposits mechanisms (MS), as well as the financing mechanisms (MP). Financial performance is measured using net income, total assets, total deposits, solvability, liquidity, and profitability. The results show that all cooperative literacy indicators have a significant influence on the level of cooperative literacy. Meanwhile, the cooperative literacy of members does not have a significant positive effect on the financial performance of the institutions. It tends to be due to the lack of cooperative education for its members so that they do not have enough knowledge about all aspects of their cooperatives.

Keywords: cooperative literacy, sharia cooperatives, cooperative education, financial performance

Topic: International Conference on Islamic Studies in the Digital Era


Conference: The 3rd International Conference on Sustainability and Innovation (ICoSI 2019)

Plain Format | Corresponding Author (Amelia Pratiwi)

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