{"id":13698,"date":"2025-07-27T15:04:28","date_gmt":"2025-07-27T15:04:28","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=13698"},"modified":"2025-07-27T15:05:27","modified_gmt":"2025-07-27T15:05:27","slug":"dana-desa-bisa-dipakai-talangi-pinjaman-koperasi-ppm-jangan-asal-bentuk-kdmp","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/07\/27\/dana-desa-bisa-dipakai-talangi-pinjaman-koperasi-ppm-jangan-asal-bentuk-kdmp\/","title":{"rendered":"Dana Desa Bisa Dipakai Talangi Pinjaman Koperasi, PPM: Jangan Asal Bentuk KDMP"},"content":{"rendered":"<p><a href=\"http:\/\/ppmindonsia.com\"><b>ppmindonsia.com<\/b><\/a><b>.Jakarta<\/b><span style=\"font-weight: 400;\"> &#8211; Pemerintah membuka akses pendanaan baru bagi koperasi desa dan kelurahan melalui pinjaman bank yang dijamin oleh negara. Dalam skema ini, dana desa dapat digunakan sebagai talangan apabila koperasi gagal membayar pinjaman.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/07\/27\/dana-desa-bisa-dipakai-talangi-pinjaman-koperasi-ppm-jangan-asal-bentuk-kdmp\/\">Pusat Peranserta Masyarakat<\/a> (PPM) Nasional mengingatkan agar pendirian Koperasi Desa Merah Putih (KDMP) tidak dilakukan secara terburu-buru hanya demi memenuhi target program, tanpa kesiapan usaha yang riil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Regulasi baru tersebut tertuang dalam Peraturan Menteri Keuangan (PMK) Nomor 49 Tahun 2025 tentang Tata Cara Pinjaman dalam Rangka Pendanaan Koperasi Desa\/Kelurahan Merah Putih. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">PMK ini memungkinkan KDMP dan Koperasi Kelurahan Merah Putih (KKMP) mengajukan pinjaman maksimal Rp 3 miliar ke bank milik negara (Himbara), dengan bunga 6 persen per tahun, masa tenggang hingga 8 bulan, dan jangka waktu pelunasan hingga 6 tahun.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, skema ini juga menyertakan mekanisme penjaminan yang bersumber dari dana publik. Pasal 11 menyebutkan, apabila koperasi tidak mampu mengembalikan pinjaman, maka Dana Desa (untuk KDMP) atau Dana Alokasi Umum dan Dana Bagi Hasil (untuk KKMP) dapat digunakan untuk menalangi pembayaran. Talangan tersebut akan dicatat sebagai piutang pemerintah desa atau daerah kepada koperasi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cIni adalah kebijakan yang harus ditanggapi secara serius dan hati-hati. Jangan sampai koperasi dibentuk hanya untuk mengejar program, tetapi tidak memiliki landasan usaha yang jelas,\u201d kata Sekretaris Jenderal PPM Nasional, Anwar Hariyono, di Jakarta, Kamis (25\/7\/2025).<\/span><\/p>\n<p><b>Risiko Jika Koperasi Hanya Bentuk, Tanpa Fungsi<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Anwar menekankan bahwa esensi koperasi adalah kebersamaan, kesukarelaan, dan semangat usaha bersama antaranggota. Jika koperasi hanya dibentuk sebagai respons atas regulasi, tanpa ada kesamaan visi dan potensi usaha yang konkret, maka koperasi tersebut rentan gagal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cBukan koperasi namanya jika anggotanya tidak terlibat dalam usaha yang dikelola bersama. Yang terjadi hanyalah formalitas kelembagaan,\u201d ujarnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ia mengingatkan kasus KDMP Pucangan di Kabupaten Tuban, Jawa Timur, yang mengalami masalah setelah ditinggalkan mitra bisnis karena lemahnya kesiapan usaha. Anggota koperasi pun tidak bisa berbuat banyak saat kegiatan mandek dan pengurus kehilangan arah.<\/span><\/p>\n<p><b>Dana Publik Tidak Boleh Jadi Risiko Utama<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dengan adanya jaminan negara melalui dana desa, Anwar menilai risiko gagal bayar menjadi persoalan serius. Pemerintah desa bisa saja terbebani jika koperasi tidak mampu mengembalikan pinjaman, padahal dana tersebut semestinya digunakan untuk kebutuhan pembangunan desa dan pemberdayaan masyarakat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cApa jadinya jika simpanan anggota habis untuk operasional dan usaha belum juga berjalan? Dana talangan pemerintah akan jadi beban, bukan solusi,\u201d kata Anwar.<\/span><\/p>\n<p><b>Contoh di Lapangan: Modal Tipis, Usaha Belum Jalan<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kondisi serupa terlihat di beberapa wilayah, termasuk Sleman, DI Yogyakarta. Di KDMP Hargobinangun, misalnya, koperasi baru memiliki modal sekitar Rp 4,5 juta hasil dari iuran 45 anggota. Dana tersebut digunakan untuk membeli perlengkapan operasional seperti alat tulis dan kebutuhan administrasi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ketua KDMP Hargobinangun, Arif Yuwantoro, mengatakan bahwa koperasi saat ini baru menjalankan satu unit usaha, yaitu penjualan gas elpiji melalui kerja sama dengan Pertamina. Delapan unit usaha lain, seperti gerai sembako, klinik desa, dan reparasi mobil wisata, masih dalam tahap rencana.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cKami masih memulai. Belum semua usaha berjalan. Tapi antusiasme anggota cukup tinggi,\u201d ujarnya, dikutip dari <\/span><a href=\"http:\/\/harianjogya.com\"><span style=\"font-weight: 400;\">harianjogya.com<\/span><\/a><span style=\"font-weight: 400;\">\u00a0 Selasa (22\/7\/2025).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Koperasi ini juga sedang menjajaki kerja sama dengan BRI untuk layanan BRILink dan membuka layanan pos desa.<\/span><\/p>\n<p><b>Bank Tetap Berlaku Selektif<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Menteri Koordinator Bidang Pangan, Zulkifli Hasan, menegaskan bahwa meski negara memberi dukungan, bukan berarti bank akan mengabaikan prinsip kehati-hatian. Penyaluran pinjaman tetap harus melalui proses seleksi ketat, termasuk verifikasi rencana bisnis dan kelayakan usaha koperasi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bank hanya akan mencairkan dana sesuai porsi yang disetujui. Jika koperasi mengajukan proposal senilai Rp 1 miliar, tetapi setelah verifikasi hanya Rp 200 juta yang dinilai layak, maka hanya nominal tersebut yang akan dikucurkan.<\/span><\/p>\n<p><b>PPM: Jaga Nilai Dasar Koperasi<\/b><\/p>\n<p><span style=\"font-weight: 400;\">PPM Nasional mengajak semua pihak untuk tidak mengaburkan makna koperasi sebagai soko guru ekonomi rakyat. Menurut Anwar, nilai luhur koperasi harus tetap dijaga, terutama dalam menghadapi dorongan program-program percepatan ekonomi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cKoperasi bukan alat proyek. Ia adalah sarana pemberdayaan, penguatan ekonomi rakyat dari bawah. Jangan sampai kita mengorbankan semangat itu hanya karena kebijakan yang bersifat sesaat,\u201d ujarnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Anwar menegaskan bahwa koperasi yang baik adalah koperasi yang tumbuh dari inisiatif warga, berakar pada kebutuhan riil, dan dikelola dengan prinsip transparansi serta tanggung jawab bersama.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cJika koperasi dibentuk tanpa niat baik dan kesungguhan, hasilnya pun tidak akan baik. Yang rugi bukan hanya koperasi, tapi masyarakat desa secara keseluruhan,\u201d tutupnya.(acank)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonsia.com.Jakarta &#8211; Pemerintah membuka akses pendanaan baru bagi&#8230;<\/p>\n","protected":false},"author":4,"featured_media":13699,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"kia_subtitle":"Penulis: acank | Editor: asyary 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