The Concept of Symbiosis Mutualism of Cooperatives and Micro, Small and Medium Enterprises in Regional Financial Foundations

The Covid-19 pandemic outbreak has caused many people to lose their jobs and return to their hometowns to start businesses and take advantage of the local potential of their regions. However, starting a business requires a fair amount of confidence and capital to build a business foundation. This is where cooperatives can play a role in helping novice entrepreneurs. Research conducted in the Klungkung Regency area focuses on the symbiotic mutualism relationships and the application of social relations between cooperative institutions and local entrepreneurs in areas that are members of cooperatives. Based on the data obtained, Klungkung Regency has the highest cooperative activity on the island of Bali. The increased business enthusiasm of the local community is also inseparable from the role of the village cooperative's performance in assisting the rotation of village financial flows. The Annual Member Meeting, which is a mandatory agenda for cooperatives every year, is used as a parameter of whether a cooperative is healthy or not. The Annual Member Meeting contains reports on the accountability of management and supervisors as a form of transparency and accountability for the management of cooperatives to each member of the cooperative. A high percentage of The Annual Member Meeting in Klungkung Regency proves that every human and business resource owned by this area is excellent. Awareness of local potential is also very vital in building regional financial foundations and meeting sustainable development goals