Peran Credit union Modification dalam Meningkatkan Kesejahteraan Jemaat di HK…

This research is motivated by the fact that credit unions within the HKBP community have become an essential instrument in improving the welfare of the congregation. By combining cooperative principles and religious values, the church's credit union aims to increase access to financial services, strengthen social networks, and promote economic well-being among its members. The presence of credi…