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COOPERATIVE (COOP) BANK


NO TITLE/ AUTHORS/
YEAR
OBJECTIVES METHOD/ ANALYSIS FINDINGS SUGGESTIONS LIMITATIONS
1 . 1 Transformasi Koperasi
kpd Bank Koperasi:
Satu Penilaian

Fauzi bin Hussin
Selamah Maamor
Norehan Abdullah
Hussin Abdullah
Hafizal Abu Bakar
Nor Arma Abu Talib
Megat Aizam M.Alwi
(2014)
Umum: Untuk menilai keperluan sebuah
koperasi untuk transform kepada Bank
Koperasi

Khusus:
1) Mengenalpasti ciri-ciri, struktur,
operasi dan perundangan di
antara koperasi dan bank
koperasi
2) Menilai kepentingan dan
kelebihan kewujudan bank
koperasi dari aspek ekonomi
dan sosio-budaya
3) Mengenalpasti isu dan cabaran
yang perlu dihadapi oleh
koperasi jika ingin menjadi
bank koperasi
1) Data primer: kaedah
temubual berstruktur
kpd:
i. BNM
ii. SKM
iii. Bank Rakyat
iv. Angkatan
Koperasi
Kebangsaan
Malaysia
Berhad
(ANGKASA)
v. Koperasi
Pembiayaan
Syariah
Angkasa
Berhad
(KOPSYA)
vi. Koperasi
Bank
Persatuan
Malaysia
Berhad
vii. Koperasi
Angkatan
Tentera
Malaysia
Berhad
(KATMB)

Reka bentuk kajian diadaptasi
daripada Creswell (2009)
Falsafah kajian: Konstruktivis
Reka bentuk kajian: kaedah
campuran (kualitatif &
kuantitatif)
3 kriteria utk koperasi
layak menjadi bank
koperasi yg telah
ditetapkan oleh SKM:
1) Modal
permulaan
minimum
berasaskan
Kumpulan
Wang
Anggota
sebanyak
RM300juta
dan
menyenggara
modal
minimum
sebanyak
RM300 juta
ini tanpa
terjejas oleh
kerugian pd
setiap masa.
2) Penarafan
FLAME-T
(struktur
kewangan,
kecairan,
asset,
pengurusan,
perolehan,
teknologi
makumat
3) Rekod prestasi
kewangan
(tadbir urus
Kajian ini
hanya
tertumpu kpd
koperasi yg
ingin
transform
kpd koperasi
tanpa melihat
pandangan
anggota atau
ahli koperasi.
Cadangan utk
kajian akan
dating utk
melihat sudut
pandangan
ahli tentang
penerimaan
mereka
terhadap
hasrat
koperasi yg
mereka
anggotai krn
koperasi
ditubuhkan
atas dasar
kebajikan
kepada
anggota dan
anggota
koperasi
perlulah
diutamakan.
Mengkaji
operasi bank
Kekangan
dari sudut
mendapatkan
data dari
pihak
KOPSYA
dan Bank
Persatuan
Tidak
mendapat
kerjasama
daripada
pihak BNM
dan Bank
Persatuan
untuk
ditemubual

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Strategi kajian: Berjujukan
Teknik kajian: kombinasi
temubual soalan berstruktur,
analisis kandungan dokumen
dan analisis kewangan
korporat,
kapasiti,
rangkaian,
pelan
perancangan
perniagaan dll.

Dari sudut
Kump. Wang
Anggota, Koop
Angkatan
Tentera
memiliki
jumlah paling
tinggi diikuti
Bank Persatuan
dan KOPSYA
Koperasi
Angkatan
Tentera dan
Koperasi Bank
Persatuan shj
yg melepasi
syarat modal
yg ditetapkan
berdasarkan
syarat asas dari
SKM dan
BNM.
Bagi penarafan
FLAME-T,
Koperasi
Angkatan
Tentera dan
Koperasi Bank
Persatuan shj
yg mencapai
penarafan
FLAME-T 4
bintang ke atas.
koperasi luar
Negara yang
Berjaya yang
boleh
dijadikan
contoh yg
baik spt bank
koperasi di
India dan
Korea.

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Dari sudut
perolehan,
Koperasi
Angkatan
Tentera shj yg
konsisten dlm
perolehan
tahunan
berbanding
Koperasi Bank
Persatuan dan
KOPSYA
2 . 2 A Study on Co-
operative Banks in
India

Soyeliya Usha L.
(2013)
1) To know the lending practices
of coop banks in India
2) To measure & compare the
efficiency of coop banks of
India
3) To study the impact of size on
the efficiency of the coop banks
4) To suggest the appropriate
measures to improve the
efficiency of the coop banks
5) To know different type of loans
preferred by different sets of
customers
6) To know the satisfaction level
of the customers from Banks
lending policies
1) Collection of data
a) Primary
i. Observation
ii. Interview
iii. Structured
questionnaire

b) Secondary
i. Annual reports
ii. Manual of instructions
on loans and advances
iii. Books
iv. Articles and research
papers
v. Internet

200 respondents

1) 32% of the
respondent
were having
housing loan
from this
bank.
2) 64% of the
people prefer
to take long
term loan
which is more
than 3 years.
3) Easy
repayment and
fewer
formalities are
the main
factors
determining
customers
selection of
loans.
4) Quality of
services
provided by
the staff is
satisfactory
because bank
1) The banks
should adopt
the modern
methods of
banking
such as
internet
banking,
credit cards,
ATM etc.
2) The bank
should plan
to introduce
new
schemes for
attracting
new
customers
and
satisfying
the present
ones.
3) The banks
should plan
for
expansion of
branches
4) The banks
1) The study is
based on the
data of past
three or our
years only.
2) The data for
study mainly
based on a
single bank.
3) As majority
of the
customers
are
employees
of the bank,
they might
be biased in
giving the
information
4) The time
period of the
research was
limited

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is catering to a
small segment
only and the
customers are
properly dealt
with.
5) Customers are
satisfied with
the mode of
repayment of
installments.
6) Average time
for the
processing of
loan is less
(e.g 7 days)

Problems of coop
banks:
1) Limited
ability to
mobilize
resources
2) Low level of
recovery
3) High
transaction of
cost
4) Administered
rate of interest
structure for a
long time
5) The state coop
banks are not
able to
formulate
their
respective
policies for
investment of
should
improve the
customer
services of
the bank to a
better extent.

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their funds
that include
their surplus
resources
because of
certain
restrictions.
3 . 3 The Performance of
Cooperative Banking in
India

Purushottam Vishnu
Deshmukh (2013)
1) To know wether Indian consumer
and producer will survive in the era
of globalization.
2) This study will focusing on the
performance of Indian cooperative
banking sector on the basis of
income, expenditure, non-
performing assets (NPA),
borrowers etc.
The cooperative banks
are suffering from
many problems:
1) Low resource
base
2) High
dependence
on refining
agencies
3) Lack of
diversification
4) Huge
accumulated
loss
5) Remarkable
existence of
NPA
6) Low recovery
of loan
7) Dual control
8) Political
interfere
9) Increasing
trends of
irregularity in
financial,
managerial
accountability.



































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4 . 4 Savings Banks and
Cooperative Banks in
Europe

Dilek Blbl
Reinhard H. Schmidt
Ulrich Schwer (2013)
1) To characterize the former and
the current roles of savings
banks and coop banks
2) To provide a brief account of
the recent changes and also to
speculate about their future
prospects.

5 . 5 Size and Scale
Economies in Japanese
Cooperative Banking

Tara Deelchand
Carol Padgett

(2009)
To examine the relationship between size
and scale economies of cooperative
banks in Japan (namely Shinkin and
Credit Cooperatives)
Used the translog cost-function
and intermediation approach
coupled with a large set of both
cross sectional and panel data
over the period 2003 to 2006.
significant
diseconomies
of scale for
both the full
sample and
sub-samples
of small and
large
cooperative
banks.
Larger
cooperative
banks were at
cost
disadvantage
as compared
to small ones
Make
further
efforts to
assess the
business
environment
and
strengthen
profitability
by
expanding
the range of
financial
services in
their
regional
areas and
making
further
progress in
risk
management

6 . 6 A Study on the Urban
Cooperative Banks
Success and Growth in
Vellore District

E. Ganasekaran, M.
Anbalgan, N.Abdul
Nazar
To predict the role of the Urban
Cooperative Banks in future through
time series analysis, correlation
coefficient, chi-square test, multiple
regression, and analysis of variance.
Growth analysis involves the
collection, observation and
analysis of data relating to the
selective variables such as
capital, deposits, loans and
advances etc.
The overall
financial
performance
at the Urban
Cooperative
Banks in all
fronts namely,
membership,
share capital,
deposits, loans
and advances,


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profit and
reserve funds,
working
capital,
overdues,
loans issued
etc are
showing
significantly
and
undistubing
trend through
the application
of different
statistical
tools applied
in the study.
The Urban
Cooperative
Banks is
enjoying a
predominant
position in the
banking
industry
occupied in
eighth place in
the banking
institution
serving in
Vellore
District.

7 . Stakeholders
Perception of
Cooperatives Societies
as a Micro-credit
Delivery Channel in
the Nigerian Financial
Sector Reform Era
to examine the perceptions of
Cooperative leaders in the six
states of South Western Nigeria
in the era of financial sector
reforms.
The data collected
through the
questionnaires and
interview were sorted
edited and coded in a
table.
Analysis of Variance
The result of
the Analysis
of Variance on
the differences
in the impact
of cooperative
societies as a


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Oladejo, Moruf. O
(2013)
(ANOVA) as well as t-
test were used to test
the hypothesis on the
cross sectional
perception of members
and leaders of
cooperative societies
on its impact as a
micro credit delivery
channel in the six
selected states of the
south west Nigeria.
microfinance
delivery
channel across
the six states
of Nigeria
revealed the
F- calculated
value of 2.32
whose
probability
close to zero
percent
suggest that
there is a
difference in
the impact of
cooperative
society as a
microfinance
delivery
channel across
the state in
Nigeria.
The multiple
comparison of
the differences
showed that
the mean
difference is
significant at
0.5% between
Lagos, Ekiti
and Ondo
State., also
with Ekiti and
Lagos and
Oyo State.
The same
thing with
Ondo,Lagos

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and Oyo State.
Oyo has
significant
difference in
the impact
compared to
Ekiti, Ondo
and Osun
State so also
was the
impact in
Osun State
significantly
different to
that of Oyo
State.
8 . Program Transformasi
Kedai Runcit Koperasi:
Analisis Pencapaian
Pengurusan Perniagaan

Noranita Mohd Nor,
Norhayati Abdul
Rahman & Nur Faeza
Yahya
untuk mengenalpasti sama ada
terdapat peningkatan dari segi
pencapaian pengurusan
perniagaan kedai koperasi
sebelum dan selepas program
TUKAR dilaksanakan.
Soal selidik telah
diedarkan
menggunakan kaedah
persampelan strata
secara rawak dan
sebanyak 102 orang
(65.8%) Ahli Lembaga
Koperasi dan Pengurus
Koperasi yang
mewakili kedai Coop
Mart di seluruh
Malaysia telah
dianalisis
menggunakan kaedah
analisis diskriptif.
Dapatan kajian
menunjukkan semua
aspek pengurusan
perniagaan meningkat
dengan ketara
terutamanya aspek
pengurusan kewangan.
Ini membuktikan
program TUKAR
berjaya, berdaya maju
dan wajar diteruskan.

9 . Cooperative Banking
and Ethics: Past,
Present and Future

Wim Fonteyne and
Daniel C. Hardy (2011)
To study whether cooperative
banking can offer efficient
solutions for todays most
relevant ethical problems
Can the cooperative banking
model help overcome immoral
behavior by bankers and users
of banking services, while
remaining economically viable?
Cooperative
forms of
banking have
proven to be
robust in a
wide variety
of economies
and over time.
They rarely
Cooperative
banking is
compatible
with a more
morally
aware
approach to
banking, but
the


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dominate a
financial
system, but
they compete
effectively
against other
banks.

institutional
form is far
from a
safeguard
against
excessive
greed,
disregard for
others,or
short-
sightedness.
In the post-
crisis world,
morality and
trust are core
assets that
cooperatives
should seek
to develop.
11 . Factors Contributing to
Success to the
Excellent Credit
Cooperatives in
Malaysia

Mustapa KM,
Saadah,Yusof. ARM,
Jumaat

To identify the outstanding
entrepreneurial attitudes
possessed by members of the
Board of excellent credit coop
to be the role model to other
members of the Board of coop
since there are various obstacles
in running the credit coop
whether from the government
policies or external
competitions.
Questionnaire method
using instrumets
adapted from
questionnaires
entrepreneurs
Perception of Succes
Inventory.
Of 613 registered
credit coop, only 35
managed to qualify in
the category of best
100 coop listed by
Coop Commission of
Malaysia, with a total
population is 350 credit
coop Board members.
DV: Credit coop
success
IV: difficulty goal
settting, goal clarity,
action oriented
There is a
significant
relationship
between the
clarity of goal
setting and the
phenomenon
of success of
the credit
cooperatives.
There is also a
significant
relationship
between
condition-
oriented
personality
and the
phenomenon
of success of
the credit


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personality,
circumstances oriented
personality, planning
knowledge, leadership
knowledge,
management
knowledge, motivation
and Islamic financing.
SPSS version 21
Test are conducted
prior to factor analysis
ad correlation analyses
found were significant
for seven variables.
Regression model and
the most dominant
variables affecting the
success of credit coop
is setting clear goals
with relationship
strength is 25% of the
tested variants.
cooperatives.
There is a
significant
relationship
between
planning
knowledge,
leadership,
and
management
and the
phenomenon
of success of
the credit
cooperatives.
There is a
significant
relationship
between the
phenomenon
of Islamic
financing and
the
phenomenon
success of the
credit
cooperatives.
11 . Factors Affecting
Cooperatives
Performance in relation
to Strategic Planning
and Members
Participation

Mahazril Aini Y,
Hafizah H.A.K, Zuraini
Y. (2012)
This study aims to identify the
factors influencing its
performance through strategic
planning and members
participation.
Quantitative method to
examine the factors
affecting cooperatives
performance in relation
to their strategic
planning and members
participation.
Using self-
administered
questionnaires had
been developed and it
was distributed to the
respondents among 50
This study
shows that
cooperatives
strategic
planning and
participation
from their
members are
the identified
factors that
contribute to
their overall
success and


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Cooperatives Board
Members.
SPSS version 16.0
performance.