A Qualitative Study in Indonesia Comparing the Institutional and Socio-Economic Roles of Banking and Cooperatives

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Qualitative study compares socioeconomic contributions of banks and cooperatives in Indonesia, revealing key strengths and challenges.

Banks excel in legal compliance and efficiency, whereas cooperatives strengthen community ties and economic empowerment.
In-depth interviews highlighted significant operational differences between banks and savings cooperatives in Indonesia.
A case study approach was utilized to gather insights from managers of banks and cooperatives in three distinct regions.
Collaboration between banking and cooperative approaches is essential for building an inclusive financial system.

Aribowo et al. (2025) studied this question.

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