{"id":15240,"date":"2025-10-29T06:07:06","date_gmt":"2025-10-29T06:07:06","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=15240"},"modified":"2025-10-29T06:54:14","modified_gmt":"2025-10-29T06:54:14","slug":"pembiayaan-koperasi-desa-merah-putih-tersendat-antara-proposal-agunan-dan-koordinasi-antar-kementerian","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/10\/29\/pembiayaan-koperasi-desa-merah-putih-tersendat-antara-proposal-agunan-dan-koordinasi-antar-kementerian\/","title":{"rendered":"Pembiayaan Koperasi Desa Merah Putih Tersendat: Antara Proposal, Agunan, dan Koordinasi Antar Kementerian"},"content":{"rendered":"<p><strong>ppmindonesia.com<\/strong><span style=\"font-weight: 400;\"><strong>. Jakarta &#8211;<\/strong> Program pembiayaan<a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/10\/29\/pembiayaan-koperasi-desa-merah-putih-tersendat-antara-proposal-agunan-dan-koordinasi-antar-kementerian\/\"> Koperasi Desa<\/a>\/Kelurahan Merah Putih (Kopdes Merah Putih) yang digagas Kementerian Koperasi dan UKM (Kemenkop) kini menghadapi hambatan di lapangan. Menteri Koperasi Ferry Juliantono mengungkapkan, pencairan dana dari Bank Himbara (Bank Milik Negara) belum berjalan lancar akibat kendala teknis dan aturan yang harus direvisi.<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u00a0\u201cJumlah (koperasi yang mendapat pembiayaan) belum terlalu banyak karena memang kemarin ada Peraturan Menteri Keuangan yang harus kita batalkan, yaitu yang nomor 49. Kini sudah ada surat keputusan baru yang akan menjadi pedoman bagi Himbara untuk mencairkan,\u201d<\/span><span style=\"font-weight: 400;\">ujar Ferry di Kantor Kemenko Bidang Pangan, Jakarta, Senin (27\/10\/2025).<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Program Kopdes Merah Putih sejatinya memberi peluang pembiayaan hingga Rp 3 miliar per koperasi desa\/kelurahan dari bank BUMN. Namun, proses pencairan masih terganjal oleh masalah kelayakan proposal (bankable dan feasible).<\/span><\/p>\n<p><b>Pendampingan Proposal: 1 Asisten untuk 10 Koperasi<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Untuk menjawab kendala teknis tersebut, pemerintah menyiapkan skema pendampingan melalui tenaga business assistant.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cSatu orang business assistant akan mendampingi 10 koperasi desa. Mereka membantu pembuatan proposal bisnis yang ideal, seperti gerai sembako, apotek, klinik, atau gudang,\u201d<\/span><span style=\"font-weight: 400;\">jelas Ferry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Langkah ini diharapkan mempercepat kesiapan koperasi mengajukan proposal yang sesuai standar perbankan, sekaligus memperkuat kapasitas kelembagaan di tingkat desa.<\/span><\/p>\n<p><b>Kendala Baru: Rekomendasi Kepala Desa dan Agunan Dana Desa<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Namun, di lapangan muncul kendala baru. Menurut Anwar Haryono, Sekretaris Jenderal Pusat Peranserta Masyarakat (PPM) Nasional, proses pengajuan pembiayaan terhambat karena beberapa kepala desa enggan memberikan rekomendasi menjadikan Dana Desa sebagai agunan kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cIni baru kendala teknis pembuatan proposal. Tapi ada yang lebih prinsip: kalau Kepala Desa tidak mau merekomendasi Dana Desa jadi agunan kredit, pembiayaan bisa terhenti,\u201d ujar Anwar kepada ppmindonesia.com.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ia menilai, justru pada titik inilah pendamping seperti PPM memiliki peran strategis untuk membantu penyusunan proposal bisnis dan feasibility study (FS) sebagai syarat teknis perbankan. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cKalau agunan menjadi masalah, perlu dicarikan stakeholder lain sebagai penjamin selain Dana Desa,\u201d tambahnya.<\/span><\/p>\n<p><b>Stakeholder Desa Harus Bermusyawarah<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sementara itu, Salman, Wakil Sekjen PPM Nasional yang menangani bidang pengembangan bisnis, menegaskan bahwa keputusan pemanfaatan Dana Desa sebagai agunan tidak bisa sepihak, melainkan harus melalui musyawarah stakeholder desa.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cDana Desa itu milik desa. Maka harus ada kesepahaman semua pihak, termasuk BPD, koperasi, dan perangkat desa. Kalau tidak, akan menimbulkan masalah di kemudian hari,\u201d ujar Salman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ia menambahkan, penempatan pendamping KDMP\/KKMP (Konsultan Desa\/Kelurahan Merah Putih) dari Kemenkop yang masing-masing menangani 10 koperasi merupakan langkah penting untuk menjaga akuntabilitas dan transparansi.<\/span><\/p>\n<p><b>Kemenkeu Sudah Teken, Tapi Himbara Masih Hati-hati<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sementara itu, Menteri Keuangan Purbaya Yudhi Sadewa telah menandatangani surat jaminan kredit untuk program Kopdes Merah Putih.<\/span><span style=\"font-weight: 400;\">Purbaya memastikan bahwa pinjaman Himbara kepada koperasi dijamin menggunakan Dana Desa sebagai dasar perlindungan risiko.<\/span><span style=\"font-weight: 400;\">Namun, langkah ini tidak serta-merta mempercepat penyaluran kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menurut pengamat keuangan M. Rizal Taufikurahman dari Indef, bank pelat merah tetap akan berhati-hati.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cDalam kacamata kebijakan, jaminan pemerintah baru berfungsi sebagai pemicu kepercayaan, bukan penentu keberhasilan,\u201d kata Rizal, yang juga Kepala Pusat Makroekonomi dan Keuangan Indef, dikutip Minggu (26\/10).<\/span><\/p>\n<p>Rizal menilai, tantangan terbesar justru ada pada minimnya rekam jejak bisnis koperasi, lemahnya tata kelola keuangan, dan disiplin arus kas yang belum kuat.<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cSelama mekanisme first-loss guarantee belum diatur rinci\u2014siapa penanggung risiko pertama, batas nominal, dan kecepatan klaim\u2014bank akan tetap selektif,\u201d ujarnya.<\/span><\/p>\n<p><b>Arah Kebijakan Masih \u201cJalan Terjal\u201d<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Menutup pernyataannya, Salman dari PPM menyebut bahwa tarik-menarik kebijakan antara Kementerian Koperasi dan Kementerian Keuangan akan menentukan arah masa depan program ini.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cKita lihat nanti, apakah kebijakan ini benar-benar membuka jalan bagi kesejahteraan rakyat desa, atau hanya menjadi \u2018gula-gula\u2019 kebijakan,\u201d <\/span><span style=\"font-weight: 400;\">ujar Salman menegaskan.<\/span><br \/>\n<span style=\"font-weight: 400;\">Program Kopdes Merah Putih kini berada di persimpangan: antara idealisme pemberdayaan ekonomi rakyat dan realitas birokrasi yang kerap memperlambat perubahan. (acank)<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com. Jakarta &#8211; Program pembiayaan Koperasi Desa\/Kelurahan Merah&#8230;<\/p>\n","protected":false},"author":4,"featured_media":15241,"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 |","footnotes":""},"categories":[208,36],"tags":[2075,2339,2338,1241],"newstopic":[],"class_list":["post-15240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-nasional","tag-ferry-juliantono-menteri-koperasi","tag-kendala-koperasi-desa","tag-koperai-merah-puth","tag-koperasi-desa"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pembiayaan Koperasi Desa Merah Putih Tersendat: Antara Proposal, Agunan, dan Koordinasi Antar Kementerian - ppmindonesia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/10\/29\/pembiayaan-koperasi-desa-merah-putih-tersendat-antara-proposal-agunan-dan-koordinasi-antar-kementerian\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pembiayaan Koperasi Desa Merah Putih Tersendat: Antara Proposal, Agunan, dan Koordinasi Antar Kementerian - ppmindonesia\" \/>\n<meta property=\"og:description\" content=\"ppmindonesia.com. 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