ANALISIS PERKEMBANGAN ANGGOTA CREDIT UNION KHATULISTIWA BAKTI KANTOR CABANG BENGKAYANG

Abstract

This study aims to review the historical journey, core principles, organizational structure, and member development of one of its branches, namely in Bengkayang Regency. The method used in this study is qualitative descriptive, conducted through a literature review of CUKB's internal documents from the year 2025. The findings show that CUKB has not only survived various challenges, including a fire tragedy, but has also succeeded in expanding its reach and strengthening public trust. Guided by the principles of solidarity, social responsibility, and sound governance, CUKB has become a relevant credit union model for community economic development. This article also examines CUKB's internal strategies in maintaining its existence through risk management, member empowerment, and the strengthening of cooperative values amidst the pressures from conventional financial institutions. In the local context of West Kalimantan, CUKB demonstrates that the spirit of mutual cooperation and solidarity remains a key strength in building community based economic resilience