FAKTOR-FAKTOR YANG MEMPENGARUHI KESEJAHTERAAN ANGGOTA KOPERASI (STUDI KASUS PADA ANGGOTA KOPERASI SIMPAN PINJAM PEMBIAYAAN SYARIAH

Welfare is one of the goals of the Indonesian state as stated in the preamble of the 1945 Constitution. One of the instruments used in efforts to improve the welfare of the people in Indonesia is cooperatives. However, there are still many Indonesians who have not used this instrument. It was recorded that in 2020 Indonesia still had 29,907 active cooperative units with only 25,098,807 members. In an effort to improve welfare, cooperatives are influenced by several factors, including the participation of members and the business activities of the cooperative. The research conducted at the Darumafatihil Ulum Sharia Savings and Loans Cooperative (KSPPS DMU) East Java aims to determine the effect of member participation and cooperative business activities as well as the indirect effect of member participation through cooperative business activities. The research method used is path analysis. The results showed that the participation of members in KSPPS DMU has not been able to improve the welfare of members, but can have an indirect effect through cooperative business activities. Meanwhile, cooperative business activities in the form of savings and loans are able to boost the welfare of members. Both have a share of 17% in improving the welfare of KSPPS DMU members and the other 83% are influenced by other variables outside the model