Pelibatan Koperasi dalam Program KUR

Sebuah Inovasi Kebijakan Ekonomi dengan Peluang dan Tantangannya

Abstract

                                                                              This paper analyzes the opportunities and challenges for cooperatives (KSP) to participate in KUR program. By using descriptive analysis, it was found that cooperatives can play a significant role in improving the outreach of KUR on the basis of proportional sectoral and geographical distribution. However, this paper also emphasizes that efforts to invole cooperatives in the program should be implemented carefully. KUR is a banking product in which its implementation must be in line with microprudentials regulatios. Cooperatives need an adaptation period to comply with KUR’s rules and regulations. Main policy challenges that need to be addressed is to simplify complex subsidy payment mechanism. The government needs also to develop selection criterias to appoint competent cooperatives to engage in the KUR program. It is recommended that participating cooperatives should meet the following criterias: First, having strong assets and capital structures. Second, having experience in managing productive microcredit loans. Third, promoting productive microcredit professional human resources. Fourth, developing IT (Information Technology) infrastructure.