{"id":15244,"date":"2025-10-29T06:34:02","date_gmt":"2025-10-29T06:34:02","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=15244"},"modified":"2025-10-29T06:34:37","modified_gmt":"2025-10-29T06:34:37","slug":"antara-proposal-agunan-dan-musyawarah-desa-realita-program-kopdes-di-lapangan","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/10\/29\/antara-proposal-agunan-dan-musyawarah-desa-realita-program-kopdes-di-lapangan\/","title":{"rendered":"Antara Proposal, Agunan, dan Musyawarah Desa: Realita Program Kopdes di Lapangan"},"content":{"rendered":"<p><strong>ppmindonesia.com<\/strong><span style=\"font-weight: 400;\"><strong>.Jakarta<\/strong> &#8211; Program <a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/10\/29\/antara-proposal-agunan-dan-musyawarah-desa-realita-program-kopdes-di-lapangan\/\">Koperasi Desa<\/a>\/Kelurahan Merah Putih (Kopdes Merah Putih) yang digagas pemerintah sebagai penggerak ekonomi rakyat, kini menghadapi tantangan di tahap awal pelaksanaannya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menteri Koperasi dan UKM Ferry Juliantono mengakui bahwa hingga kini belum banyak koperasi desa yang mendapatkan pembiayaan dari Bank Himbara (Himpunan Bank Milik Negara).<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u00a0\u201cJumlah koperasi yang sudah mendapatkan pembiayaan belum terlalu banyak karena ada aturan lama yang harus kita batalkan, yaitu Peraturan Menteri Keuangan Nomor 49. Sekarang sudah ada surat keputusan baru yang menjadi pedoman Himbara untuk mencairkan dana,\u201d ujar Ferry di Jakarta, Senin (27\/10\/2025).<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Program ini sebenarnya memberi peluang bagi koperasi desa untuk mendapatkan pembiayaan hingga Rp 3 miliar dari perbankan BUMN. Namun, proses pencairan tersendat oleh dua faktor utama: kelengkapan proposal bisnis dan persoalan agunan.<\/span><\/p>\n<p><strong>Proposal Bisnis: Antara Bankable dan Feasible<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Ferry menuturkan, banyak koperasi desa belum siap secara administratif dalam penyusunan proposal bisnis dan studi kelayakan (feasibility study) yang menjadi syarat bank.<\/span><\/p>\n<blockquote><p><span style=\"font-weight: 400;\">\u201cAgar bisa bankable dan feasible, koperasi harus didampingi dalam pembuatan proposalnya. Karena itu, kita siapkan satu orang business assistant untuk mendampingi sepuluh koperasi desa,\u201d jelasnya.<\/span><\/p><\/blockquote>\n<p><span style=\"font-weight: 400;\">Pendamping ini akan membantu koperasi menyusun rencana bisnis yang sesuai dengan potensi desa, seperti gerai sembako, apotek, klinik, gudang, hingga pusat layanan ekonomi rakyat.<\/span><\/p>\n<p><b>Masalah Agunan dan Peran Kepala Desa<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Di luar soal teknis proposal, persoalan agunan kredit menjadi hambatan berikutnya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menurut Anwar Haryono, Sekretaris Jenderal Pusat Peranserta Masyarakat (PPM) Nasional), kendala terbesar muncul saat kepala desa enggan memberikan rekomendasi agar Dana Desa dijadikan jaminan kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cMasalahnya bukan hanya teknis. Kalau kepala desa tidak mau memberikan rekomendasi penggunaan Dana Desa sebagai agunan, maka proses kredit bisa terhenti,\u201d kata Anwar kepada ppmindonesia.com.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Anwar menilai, kondisi ini justru membuka peluang bagi lembaga pendamping untuk membantu koperasi menyiapkan proposal dan kelayakan bisnis.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cKalau agunan Dana Desa sulit, bisa dicari stakeholder lain sebagai penjamin, misalnya aset desa atau lembaga mitra yang punya kredibilitas,\u201d ujarnya.<\/span><\/p>\n<p><b>Musyawarah Desa Jadi Kunci<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Persoalan penggunaan Dana Desa sebagai jaminan, menurut Salman, Wakil Sekjen PPM Nasional bidang bisnis dan pengembangan koperasi, tidak bisa diputuskan sepihak.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cDana Desa itu milik desa, jadi harus melalui musyawarah stakeholder. Semua unsur\u2014BPD, perangkat desa, koperasi, dan masyarakat\u2014harus satu suara,\u201d jelas Salman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ia menambahkan, pendampingan Konsultan Desa\/Kelurahan Merah Putih (KDMP\/KKMP) dari Kemenkop yang masing-masing menangani sepuluh koperasi adalah langkah positif, namun perlu dukungan kebijakan yang sinkron antar kementerian.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cProgram ini bagus, tapi kalau tidak diikuti kesepahaman antara Kemenkop, Kemenkeu, dan perbankan, ujungnya ya tetap jalan di tempat,\u201d kata Salman.<\/span><\/p>\n<p><b>Kemenkeu Sudah Teken, Bank Masih Waspada<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sementara itu, Menteri Keuangan Purbaya Yudhi Sadewa memastikan telah menandatangani surat jaminan kredit bagi program Kopdes Merah Putih.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pinjaman Himbara kepada koperasi dijamin pemerintah dengan skema berbasis Dana Desa.<\/span><span style=\"font-weight: 400;\">Namun, kebijakan itu belum cukup untuk membuat bank pelat merah melonggarkan penyaluran kredit.<\/span><span style=\"font-weight: 400;\">Pengamat ekonomi dari Indef, M. Rizal Taufikurahman, menilai perbankan tetap akan selektif dan hati-hati.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cJaminan pemerintah hanya berfungsi sebagai pemicu kepercayaan, bukan penentu keberhasilan program,\u201d ujar Rizal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Menurutnya, kelemahan utama koperasi terletak pada rekam jejak bisnis yang minim, tata kelola keuangan yang lemah, serta disiplin arus kas yang belum terbangun.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cSelama mekanisme first-loss guarantee belum diatur jelas\u2014siapa penanggung risiko pertama dan seberapa cepat klaim dapat dicairkan\u2014bank akan tetap berhati-hati,\u201d tambahnya.<\/span><\/p>\n<p><b>Antara Harapan dan Realita<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Meski penuh tantangan, banyak pihak berharap Kopdes Merah Putih dapat menjadi model baru pemberdayaan ekonomi desa. Namun, tanpa sinergi antara pemerintah pusat, daerah, dan lembaga keuangan, program ini dikhawatirkan hanya menjadi janji kesejahteraan yang belum nyata.<\/span><\/p>\n<blockquote><p>\u00a0\u201cKita lihat nanti, apakah kebijakan ini benar-benar jadi jalan kesejahteraan rakyat, atau sekadar \u2018gula-gula\u2019 politik pembangunan,\u201dtutup Salman.<\/p>\n<p><span style=\"font-weight: 400;\">\u00a0\u201cKalau kepala desa tak mau rekomendasi Dana Desa sebagai agunan, koperasi bisa macet sebelum jalan.\u201d<\/span><span style=\"font-weight: 400;\">\u2014 Anwar Haryono, Sekjen PPM Nasional (emha)<\/span><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com.Jakarta &#8211; Program Koperasi Desa\/Kelurahan Merah Putih (Kopdes&#8230;<\/p>\n","protected":false},"author":4,"featured_media":15245,"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; emha | Editor: asyary","footnotes":""},"categories":[208,36],"tags":[2075,2339,1241,1135],"newstopic":[],"class_list":["post-15244","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-koperasi-desa","tag-koperasi-merah-putih"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Antara Proposal, Agunan, dan Musyawarah Desa: Realita Program Kopdes di Lapangan - 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\/antara-proposal-agunan-dan-musyawarah-desa-realita-program-kopdes-di-lapangan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Antara Proposal, Agunan, dan Musyawarah Desa: Realita Program Kopdes di Lapangan - ppmindonesia\" \/>\n<meta property=\"og:description\" content=\"ppmindonesia.com.Jakarta &#8211; 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