Analyzing Community Saving Behavior at the 'Usaha Bersama' Savings and Loan Cooperative
DOI:
https://doi.org/10.59525/jess.v4i2.901Keywords:
Saving behavior; Savings and loan cooperative; Theory of Planned Behavior; Rural communityAbstract
This study investigates the saving behavior of members of the “Usaha Bersama” Savings and Loan Cooperative in Merbau Village, Mendahara District, utilizing the Theory of Planned Behavior as the analytical framework. Employing a qualitative approach through interviews, observations, and documentation, the research uncovers the complex interplay of economic, social, and cultural factors influencing members’ saving habits. Findings reveal that ease of access, social proximity, trust in cooperative management, and local cultural values—particularly the principle of ta’awun (mutual cooperation)—significantly shape saving behavior. Although savings amounts tend to be small and irregular due to fluctuating agricultural incomes, saving remains an integral part of the community’s strategy to manage economic uncertainty and urgent needs. The study highlights the cooperative’s innovative flexible deposit policy and transparent, participatory management as key drivers of member engagement and loyalty. Implications emphasize the importance of inclusive cooperative models, continuous financial education, and culturally grounded policies in promoting sustainable savings practices and enhancing rural economic empowerment. This research contributes practical insights for cooperative development and policy formulation aimed at strengthening community-based financial inclusion in underserved rural areas
References
Abidin, Z. (2024). Pengaruh Dana Zakat Produktif Terhadap Tingkat Pendapatan Mustahiq pada Upz Kecamatan Muara Sabak Timur. Jurnal Ilmu Manajemen Terapan (JIMT)., 6(1).
Adekunle, O. A., Ola, T. O., Ogunrinade, R., & Odebunmi, A. T. (2021). The role of cooperative societies in advancing small and medium scale enterprises in Osun State, Nigeria. Journal of International Business and Management, 4(6), 1–13.
Ariyani, R., Munip, A., Nasril, N., Hadi, S., Darni, D., & Nurlinda, N. (2024). Manajemen humas dalam meningkatkan partisipasi masyarakat di Madrasah Aliyah Negeri 1 Merangin. Al-Aulia: Jurnal Pendidikan Dan Ilmu-Ilmu Keislaman, 10(2), 154–162.
Devi, E. K., Ma’ani, B., & Wahab, H. A. (2023). Strategi Pemasaran Layanan Jasa Mobile Banking Bank 9 Jambi Syariah Kantor Cabang Muara Sabak. Jurnal Ilmiah Ekonomi Islam, 9(2), 2187–2196.
Dewi, H., & Febrianto, H. (2023). Implementasi Fuzzy C-Means untuk Clustering Data dalam Sistem Informasi Promosi (Studi Kasus di SMAN Negeri 4 Tanjung Jabung Timur). Jurnal Teknik Informatika UNIKA Santo Thomas, 328–340.
Djaja, D. K., Elfina, H., Najdah, N., Razali, G., Munip, A., & Muhammadong, M. (2023). Pengaruh Pendidikan Karakter Terhadap Kepercayaan Diri Mahasiswa Di Universitas. Jurnal Review Pendidikan Dan Pengajaran (JRPP), 6(2), 151–156.
Fajri, R. Z., Abidin, Z., & Lestari, D. A. (2024). Praktik Upah Buruh Bangunan Ditinjau dari Perspektif Hukum Ekonomi Syari’ah (Studi Kasus di Pondok Pesantren Jari Nabi): Penelitian. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 3(2), 95–99.
Fatimah, S., Devi, E. K., Wandi, W., Mun’amah, A. N., & Sarwono, S. (2024). Tingkat Sosialisasi Dan Pemahaman Masyarakat Tani Kelapa Sawit Dalam Menunaikan Zakat Mal Di Kabupaten Tanjung Jabung Timur. Al-Mabsut : Jurnal Studi Islam Dan Sosial, 18(2), 345–352. https://doi.org/10.56997/almabsut.v18i2.1610
Fia, O. A., Musthofa, M. A., & Devi, E. K. (2024). Analisis Pembiayaan Modal Kerja Terhadap Pertumbuhan Usaha Nasabah PT. Fifgroup Muara Sabak: Penelitian. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 3(2), 100–105.
Hidayat, A., Hardi, E. A., Sucipto, S., & Sunarti, Z. (2023). Analisis Pergerakan Harga Saham Emiten Sawit Terindeks Saham Syariah Indonesia Saat Larangan Ekspor CPO. Jurnal Ilmiah Ekonomi Islam, 9(1), 1–7.
Hidayat, A., Mubyarto, N., Ritonga, A. H., & Sunarti, Z. (2023). Indeks Saham Syariah Indonesia: Pengaruh Faktor Makro Ekonomi Di Masa Pendemi Dan Pasca Pendemi. Jurnal Ilmiah Ekonomi Islam, 9(3), 3829–3838.
Ikhlas, M., Yasmin, L., Muharramah, D., & Kuswanto. (2025). Mempersiapkan Pendidik Masa Depan di Era Kecerdasan Buatan: Pengalaman Calon Guru Sekolah Dasar dengan Aplikasi Generatif AI: Penelitian. Jurnal Pengabdian Masyarakat Dan Riset Pendidikan, 3(4), 5190–5199.
Islam, M. A., & Aldaihani, F. M. F. (2022). Justification for adopting qualitative research method, research approaches, sampling strategy, sample size, interview method, saturation, and data analysis. Journal of International Business and Management, 5(1), 1–11.
Ismail, M. S., & Musthofa, M. A. (2024). Eksistensi Religius dan Tantangan Zaman Tradisi Mandi Penimbul Dalam Ritual Pengobatan pada Masyarakat Mendahara, Kabupaten Tanjung Jabung Timur, Provinsi Jambi. NUR EL-ISLAM: Jurnal Pendidikan Dan Sosial Keagamaan, 11(1), 163–176.
Kadarsih, S., Munip, A., Aminah, S., & Rahmy, H. A. (2023). Strategi Guru Pembimbing Dalam Pembentukan Kemandirian Anak Usia Dini. JIGC (Journal of Islamic Guidance and Counseling), 7(2), 114–131.
Kandpal, V. (2022). Socio-economic development through self-help groups in rural India–a qualitative study. Qualitative Research in Financial Markets, 14(5), 621–636.
Karnadjaja, D. (2023). Strategi penguatan pendidikan karakter pada tingkat SLTA melalui model pembelajaran project based learning. Jurnal Review Pendidikan Dan Pengajaran, 6(2), 26–55.
Kurniawan, A., Marwendi, R. O., Yusuf, M. Y., Aiman, M., & Tauvani, A. Y. (2024). Diskursus Kampung Restorative Justice Dan Eksistensi Peradilan Adat Di Provinsi Jambi. Ius Civile: Refleksi Penegakan Hukum Dan Keadilan, 8(1), 57–70.
Kuswanto, K., Abidin, Z., Pestano, R. D., & Ikhlas, M. (2024). Critical Thinking, Literacy, and Numeracy as Factors in STEM: Madrasah Student Learning. Edukasia: Jurnal Penelitian Pendidikan Islam, 19(1), 99–114.
Kuswanto, K., Fajanela, J. V., & Abidin, Z. (2024). Learning Technology Increases the Perception of Online Learning. Al-Fikrah: Jurnal Manajemen Pendidikan, 12(1), 88–98.
Lubis, R., Irfana, T. B., Purwatiningsih, S., Nisak, S. K., & Sari, V. P. (2024). The Management of Education Operational Grant and Its Effects on School Development. Academy of Education Journal, 15(2), 1299–1307.
Mpaata, E., Koske, N., & Saina, E. (2023). Does self-control moderate financial literacy and savings behavior relationship? A case of micro and small enterprise owners. Current Psychology, 42(12), 10063–10076.
Mthuli, S. A., Ruffin, F., & Singh, N. (2022). ‘Define, Explain, Justify, Apply’(DEJA): An analytic tool for guiding qualitative research sample size. International Journal of Social Research Methodology, 25(6), 809–821.
Munip, A. (2024). Ilmu dalam Tinjauan Filsafat: Ontologi, Epistemologi, dan Aksiologi. Al-Aulia: Jurnal Pendidikan Dan Ilmu-Ilmu Keislaman, 10(1), 49–58.
Munip, A., Andriani, N., Subrayanti, D., Priyantoro, D. E., Sakti, B. P., & Siminto, S. (2024). Manajemen SDM Guru:: Strategi Peningkatan Kualitas Pembelajaran di Kelas. Indonesian Research Journal on Education, 4(4), 2983–2991.
Mustari, V. H., Mere, K., Pitri, A., Wibowo, T. O., & Nilfatri, N. (2024). Adapting To The Hybrid Workforce: Hr Strategies For Managing Remote And On-Site Employees In 2024. Journal of Economic, Bussines and Accounting (COSTING), 7(5), 4688–4693.
Musthofa, M. A. (2024). Dinamika Kelisanan dan Keaksaraan dalam Produksi dan Resepsi Literatur Keagamaan Masyarakat Hadhrami di Tanah Jambi. Jurnal Ilmiah Ilmu Ushuluddin, 23(1), 17–34.
Musthofa, M. A., & Wulandari, T. (2024). Tinjauan Hukum Islam Terhadap Bagi Hasil Pengelolaan Parkir Di Pasar Tradisional Muara Sabak Barat. Istinbath, 16(2), 78–84.
Mustofa, M. A. (2023). Upaya Petani Sawit Dalam Meningkatkan Perekonomian Berdasarkan Perspektif Ekonomi Islam Di Desa Sungai Sayang. Jurnal Ilmiah Ekonomi Islam, 9(3), 3257–3266.
Nuri, D. R., Junaidi, J., & Achmad, E. (2024). Pengaruh PMA, PMDN, Ekspor, Belanja Pendidikan dan Belanja Kesehatan terhadap Pertumbuhan Ekonomi Di Provinsi dalam Pulau Sumatera. J-MAS (Jurnal Manajemen Dan Sains), 9(1), 688–697.
Nurjali, N., Nisak, S. K., Wulandari, T., & Mun’amah, A. N. (2023). Implementation of Democratic Character Values Through Integrative Learning for Madrasah Ibtidaiyah Students. MODELING: Jurnal Program Studi PGMI, 10(4), 863–873.
Rahma, S., Musthofa, M. A., & Fatimah, S. (2024). Strategi Pemasaran Islami Dalam Meningkatkan Pendapatan Toko Kue Awana Cupcake Pandan Jaya Kecamatan Geragai. Jurnal Ilmiah Ekonomi Islam, 10(3), 3366–3372.
Saputra, A. A. (2023). Peran Koperasi Pondok Pesantren (Kopontren) Jarinabi Mart dalam Meningkatkan Ekonomi Pondok Pesantren Jarinabi. Jurnal Ilmiah Ekonomi Islam, 9(3), 4038–4047.
Saputra, A. E., & Susanti, P. (2024). Pengaruh Tingkat Religiusitas dan Pemahaman Asuransi terhadap Keputusan Bernasabah Asuransi Jiwa Syariah. Maro: Jurnal Ekonomi Syariah Dan Bisnis, 7(2), 223–234.
Saryanti, S., Daud, D., Kadarsih, S., Munamah, A. N., & Dewi, H. (2024). Analisis Praktik Arisan Barang Di Desa Kuala Lagan Kecamatan Kuala Jambi Ditinjau Dari Perspektif Ekonomi Islam. Maro: Jurnal Ekonomi Syariah Dan Bisnis, 7(2), 352–358.
Susanto, E., Putra, D., & Nisak, S. K. (2024). The influence of parental attention on student learning achievement in elementary school. Edusoshum: Journal of Islamic Education and Social Humanities, 4(2), 155–167.
Sya’bana, M. V., Nisak, S. K., Suryaningsih, S. S., Rukiyanto, B. A., & Hastuti, R. M. (2024). The Effect of Religious Education on Student Learning Achievement in Elementary Schools. Academy of Education Journal, 15(2), 1440–1448.
Syariah, J. D. E. (2024). Peran Turnamen Mobile Legends Dalam Meningkatkan Pendapatan Cafe Primadona, Talang Babat, Muara Sabak. Jurnal Dinamika Ekonomi Syariah, 11(2).
Tanjung, Z., Anaswan, A., & Nisak, S. K. (2023). Peran Guru Akidah Akhlak Dalam Menumbuhkan Kecerdasan Spritual Siswa Di Madrasah Tsanawiyah Al-Irsyad Kelurahan Kampung Laut Kecamatan Kuala Jambi Kabupaten Tanjung Jabung Timur. Attaqwa: Jurnal Ilmu Pendidikan Islam, 19(2), 259–267.
Tyagi, M., Bhatia, G. K., Sanwal, T., & Singh, S. (2024). A Study on the Socioeconomic Determinants Affecting Individuals’ Savings Habits. Productivity, 65(2).
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Abu Hardiansah, M. Arif Musthofa , Sayida Khoiratun Nisak, Daud, Erwina Kartika Devi
This work is licensed under a Creative Commons Attribution 4.0 International License.
