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Ekuilibrium : Jurnal Ilmiah Bidang Ilmu EkonomiEkuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi

The importance of access to credit for micro, small, and household craft enterprises, including cooperatives, has become a major focus in improving working capital financing and capital accumulation to support industrial income. The government through the LPDB (Revolving Fund Management Institution) has launched a revolving fund program that aims to strengthen the capital base of cooperatives, increase the capacity of human resources in business and financial management, and increase the role of cooperatives in expanding employment opportunities and reducing poverty. According to data from the Cooperative Business Development Division of the Denpasar City MSME Cooperative Office, from 2021 to 2023, there were five cooperatives that received the LPDB revolving fund program, but did not consistently reapply for the funds. This raises concerns regarding the sustainability of the program and the factors that influence it. This study aims to identify the factors that influence the sustainability of the LPDB program for cooperatives in Denpasar City. Using the MICMAC (Matrix of Cross Impact Multiplications Applied to a Classification) analysis method, this study reveals that administrative requirements and members information and knowledge about the revolving fund have the most significant direct influence. These findings underscore the importance of simplifying the administrative process and improving member knowledge to ensure the success of the program. In addition, active member participation emerged as an important predictor of program sustainability, highlighting the importance of members direct involvement in supporting their economic activities. Thus using this method can uncover critical factors, and provide a comprehensive understanding that can inform policy adjustments and strategic implementation to improve program sustainability.

The study concludes that both external and internal factors significantly influence the sustainability of the LPDB revolving fund program.Simplifying administrative processes and enhancing member education are crucial for long-term viability.The LPDB revolving fund positively impacts the economic empowerment of MSMEs and cooperatives, necessitating continued promotion and expansion.Strict eligibility criteria and effective monitoring mechanisms are essential for ensuring program sustainability and preventing misuse of resources.

Further research should investigate the impact of broader macroeconomic conditions and government policies on the LPDB revolving fund programs sustainability, expanding the geographical scope of the study. Additionally, a longitudinal analysis could provide a deeper understanding of the long-term dynamics of the identified factors. To enhance program effectiveness, future studies should explore the potential of integrating digital technologies to streamline administrative processes and improve fund management. Furthermore, research could focus on developing targeted training programs to address knowledge gaps among cooperative members regarding the benefits and proper utilization of revolving funds. Finally, investigating the role of local leadership and community engagement in fostering program sustainability would provide valuable insights for policymakers and practitioners.

  1. Modified IPA for Order-Winner Criteria Improvement: A MICMAC Approach. modified ipa order winner criteria... scialert.net/abstract/?doi=jas.2009.3792.3803Modified IPA for Order Winner Criteria Improvement A MICMAC Approach modified ipa order winner criteria scialert abstract doi jas 2009 3792 3803
  2. Prospective Structural Method Application to Identify Strategic Variable of Developing Ecotourism Region... doi.org/10.4108/eai.6-12-2018.2286308Prospective Structural Method Application to Identify Strategic Variable of Developing Ecotourism Region doi 10 4108 eai 6 12 2018 2286308
  3. The Performance of MSMEs: a Comprehensive Approaches based on Resource, Customers, Suppliers, and Characteristics... doi.org/10.24269/ekuilibrium.v16i2.2021.pp176-189The Performance of MSMEs a Comprehensive Approaches based on Resource Customers Suppliers and Characteristics doi 10 24269 ekuilibrium v16i2 2021 pp176 189
  4. Analysis of Government Funding Performance on Economic Growth and Human Development Index in Indonesia... doi.org/10.24269/ekuilibrium.v18i2.2023.pp136-148Analysis of Government Funding Performance on Economic Growth and Human Development Index in Indonesia doi 10 24269 ekuilibrium v18i2 2023 pp136 148
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