Pelibatan Koperasi dalam Program KUR: Sebuah Inovasi Kebijakan Ekonomi dengan Peluang dan Tantangannya
Abstract
Tulisan ini bertujuan menganalisis peluang dan tantangan pelibatan koperasi (KSP) dalam program KUR. Dengan menggunakan metode deskritif analisis, tulisan ini menunjukkan pelibatan koperasi membuka peluang terjadinya peningkatan jangkauan KUR untuk sektor produktif dengan distribusi yang lebih merata. Namun demikian, tulisan ini juga menekankan bahwa upaya pelibatan koperasi sebagai penyalur KUR perlu dilakukan secara hati-hati. KUR merupakan produk perbankan yang terikat dengan aturan-aturan microprudentials. Koperasi memerlukan periode penyesuaian agar memahami aturan-aturan KUR. Dari perspektif kebijakan, tantangan untuk melibatkan koperasi adalah kemampuan pemerintah dalam menyederhanakan dan mempercepat mekanisme pembayaran subsidi. Pemerintah juga perlu memiliki kriteria untuk memilih mana koperasi yang kompeten dilibatkan dalam program KUR. Tulisan ini merekomendasikan kriteria untuk menyeleksi koperasi didasarkan kepada. Pertama, memiliki struktur aset dan keuangan yang kuat. Kedua, memiliki pengalaman mengelola kredit mikro yang produktif. Ketiga, mampu mengembangkan SDM secara professional dan memiliki pengetahuan mengenai kredit mikro yang produktif. Keempat, mengembangkan infrastruktur IT (information and technology).
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