Red And White Kopdes Loans Guaranteed By Village Funds, Menkop: Don't Think Negatively

Minister of Cooperatives Budi Arie Setiadi. (Photo: Mery Handayani/VOI)

Minister of Cooperatives (Menkop) Budi Arie asked the public not to think negatively regarding the plan to use village funds as collateral for a loan from the Red and White Village Cooperative (Kopdes).

According to him, vigilance is indeed needed. However, do not make it an excessive fear which will actually become an obstacle in the success of the program.

"Don't think it's negative. I've said that the enemy of the Kopdes program is doubtful, fear is excessive. Alert is important, but you shouldn't be afraid," he said at the Coordinating Ministry for Food, Jakarta, Tuesday, July 29.

He also asked the public not to focus on the potential for default on loans given by state-owned banks with an interest rate of 6 percent per year. This is because the profits obtained by the cooperative will also return to the village government.

"You can't be afraid, what about traffic jams. Now, what about it? Now back to thinking is that the Red and White Kopdes is profitable, it will be given to the village government as well. Don't think if it gets stuck, if it gets stuck. The business is very competitive," he said.

Budi also emphasized that financing for the Red and White Kopdes originating from Himbara loans will be used more for working capital, so that it has the capacity to repay loans.

"Not to build buildings and so on, because the Kopdes/Kel Merah Putih are expected to use idle assets in their area," he said.

In addition, Budi emphasized the need to take steps and efforts to prepare cooperatives can meet the requirements and make good and decent business plans. Thus, you can access financing from Himbara or financial institutions.

In fact, Budi continued, in the new Cooperative Law, his party is currently trying to get the Red and White Kopdes program to be recognized by the new law.

"Because the role of the state is relogition, affirmation, and protection of operations," he said.

For your information, village funds as loan guarantees for the Red Puti Kopdes are regulated in the Minister of Finance Regulation (PMK) Number 49 of 2025 concerning lending procedures in the context of funding the Red and White Kopdes/Kel.

Nantinya, koperasi desa atau kelurahan yang mengalami kesulitan bayar cicilan dapat menerima penempatan dana dari dana desa atau dana alokasi umum (DAU)/Dana Bagi Hasil (DBH).

Penempatan itu dilakukan apabila saldo koperasi tidak mencukupi untuk membayar angsuran yang jatuh tempo.

Dana yang ditempatkan itu dicatat sebagai piutang pemerintah desa atau kabupaten/kota kepada koperasi.

Selain itu, aset yang dihasilkan dari pinjaman itu juga akan menjadi jaminan atas dana yang disalurkan melalui skema penempatan tersebut.

Later, village or sub-district cooperatives that have difficulty paying installments can receive the placement of funds from village funds or general allocation funds (DAU)/Result Sharing Funds (DBH).

The placement is carried out if the cooperative balance is not sufficient to pay the maturing installments.

The funds placed were recorded as receivables from the village or district/city governments to cooperatives.

In addition, the assets generated from the loan will also be a guarantee for the funds disbursed through the placement scheme.