JAKARTA - Coordinating Minister for Food Affairs Zulkifli Hasan emphasized that the capital of IDR 3 billion for the Red and White Village Cooperative (Kopdes) is a loan ceiling.
He emphasized that the capital was not a grant or free assistance.
Zulhas, as Zulkifli Hasan is familiarly called, said that this loan ceiling is a financing facility through a scheme regulated in the Minister of Finance Regulation (PMK) Number 49 of 2025.
"This financing access already has PMK, Minister of Finance Regulation no. 49 of 2025 through a loan ceiling of as high as Rp. 3 billion, ceiling yes, not money for distribution, loan ceiling," he said after a meeting at the Coordinating Ministry for Food, Jakarta, Tuesday, July 29.
Zulhas said that the financing facility for the Red and White Kopdes would not interfere with the liquidity of state-owned banks. This is because the budget used does not come from third party funds (DPK).
"Well, it's not using Himbara, not using people's money, no, that's the government's money that BI put in Himbara, something like that," he said.
Previously it was reported, Minister of Finance (Menkeu) Sri Mulyani Indrawati said the government had prepared funds through the state budget (APBN) for the capital of the Red and White Village Cooperative (Kopdes).
Sri Mulyani said the loan capital prepared by the government was taken from more budget balance (SAL).
The funds allow state-owned banks to channel cooperative loans with low interest rates of 6 percent, tenors of six years, and a grace period of between six and eight months.
SEE ALSO:
Adapun empat bank pelat merah yang ditunjuk sebagai penyalur yakni BRI, BNI, Mandiri dan Bank Syariah Indonesia (BSI).
“Sehingga keempat bank ini memungkinkan untuk memberikan pinjaman ke koperasi desa kelurahan merah putih dengan suku bunga rendah 6 persen,” ujarnya dalam konferensi pers KSSK di kantor LPS, Jakarta, Senin, 28 Juli.
Namun, Sri Mulyani menegaskan, penyaluran pembiayaan kepada Kopdes Merah Putih tersebut harus tetap dilakukan secara hati-hati.
“Bank-bank tersebut tetap harus melakukan proper due diligence, sehingga pinjaman benar-benar digunakan untuk membangun ekonomi desa dan kelurahan,” katanya.
SEE ALSO:
The four state-owned banks appointed as distributors are BRI, BNI, Mandiri and Bank Syariah Indonesia (BSI).
"So these four banks make it possible to provide loans to red and white village cooperatives with a low interest rate of 6 percent," he said at a KSSK press conference at the LPS office, Jakarta, Monday, July 28.
However, Sri Mulyani emphasized that the distribution of financing to the Red and White Kopdes must still be carried out carefully.
"These banks still have to carry out proper due diligence, so that loans are really used to build the village and sub-district economy," he said.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
