Jakarta — The Government, through the Ministry of Finance (MoF), has officially launched a new funding scheme for the Koperasi Desa/Kelurahan Merah Putih (Kopdeskel Merah Putih), aimed at expanding access to financing and strengthening cooperative institutions at the village level. This scheme is backed by Village Funds and regulated under Minister of Finance Regulation (PMK) No. 49 of 2025.
Member of Commission VI of the Indonesian House of Representatives, Christiany Eugenia Tetty Paruntu, emphasized that although funding is already secured, ongoing guidance and capacity building for village cooperatives remains essential to ensure they become more professional.
“The Ministry of Finance has prepared a Village Fund scheme as a guarantee, but cooperatives still need to be developed further so they can become more professional and sustainable,” said Christiany.
She fully supports the enactment of PMK 49/2025, which is part of President Prabowo Subianto’s National Strategic Program. The regulation is seen as a concrete solution to meet the financing needs of village cooperatives.
“PMK No. 49 of 2025 is a breakthrough that addresses the need for a flexible, affordable, and secure financing scheme for village cooperatives. With this regulation, Merah Putih Village Cooperatives will have greater opportunities to obtain loans from national banks with measurable guarantees,” Christiany stated.
The source of the funding will come from the government’s Excess Budget Balance (SAL), placed at Bank Indonesia (BI), and distributed through four state-owned banks (Himbara members): BRI, BNI, Mandiri, and BSI. These funds will be channeled to eligible village cooperatives that meet the set requirements.
Furthermore, Christiany urged village cooperatives to improve their governance and professionalism in order to maximize the benefits of this financing scheme.
“Cooperatives that are disciplined in administration, have clear business plans, and are transparent in financial management will find it easier to access optimal funding,” she said.
She also issued a strong reminder to the Himbara banks to carry out this mandate effectively without burdening cooperatives with excessive bureaucracy.
“We must ensure that village cooperatives don’t face difficulties in accessing funds due to bureaucratic obstacles or unclear guarantee schemes,” Christiany added.
This scheme is expected to serve as a catalyst for local economic growth while reinforcing the role of cooperatives as the backbone of the people’s economy at the grassroots level. *
