{"id":24891,"date":"2026-04-23T16:33:07","date_gmt":"2026-04-23T09:33:07","guid":{"rendered":"https:\/\/businessupdate.id\/?p=24891"},"modified":"2026-04-23T16:33:09","modified_gmt":"2026-04-23T09:33:09","slug":"perlu-pengawasan-berlapis-bagi-koperasi-merah-putih","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=24891","title":{"rendered":"Perlu Pengawasan Berlapis bagi Koperasi Merah Putih"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Pengamat ekonomi menilai perlu ada pengawasan berlapis dalam pengelolaan Koperasi Desa\/Kelurahan (Kopdes) Merah Putih guna mencegah potensi penyimpangan dan memastikan tata kelola berjalan akuntabel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ekonom Center of Reform on Economics (CORE) Indonesia Dipo Satria Ramli mengatakan, skala dan ragam fungsi Kopdes yang mencakup aspek komersial hingga sosial membutuhkan pembagian pengawasan lintas lembaga sesuai kewenangan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Dipo, untuk unit keuangan seperti penyaluran kredit, pengawasan sebaiknya berada di bawah Otoritas Jasa Keuangan (OJK), mengingat kompleksitas dan risiko yang lebih tinggi. \u201cUntuk urusan kredit, sudah pasti harus diawasi OJK,\u201d kata Dipo dikutip dari Antara, kamis (23\/4\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, pengawasan terhadap aspek kelembagaan dan unit usaha komersial dapat tetap berada di bawah Kementerian Koperasi (Kemenkop), sedangkan fungsi sosial seperti penyaluran bantuan sosial (bansos) dapat melibatkan Kementerian Desa dan Pembangunan Daerah Tertinggal (Kemendes PDT).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain pengawasan dari regulator, Dipo juga menekankan pentingnya audit independen secara berkala oleh pihak ketiga untuk mendeteksi potensi moral hazard.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi lain, ia mengingatkan bahwa pengawasan juga perlu ditopang oleh tata kelola internal yang kuat, termasuk rekrutmen pengelola yang profesional dan berbasis komunitas lokal untuk memperkuat rasa memiliki atau sense of ownership.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurutnya, pengelolaan yang melibatkan warga desa setempat akan menciptakan <em>sense of ownership<\/em> yang penting untuk menjaga keberlanjutan koperasi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebelumnya, pemerintah menyatakan bahwa Kopdes Merah Putih merupakan bagian dari infrastruktur negara yang dirancang untuk memperkuat akses ekonomi masyarakat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Koperasi desa akan berperan sebagai <em>offtaker<\/em> hasil pertanian; distributor barang strategis seperti LPG 3 kg, pupuk, beras; penyalur bansos, hingga penyedia layanan keuangan termasuk penyaluran kredit berbunga 6%. (ip\/jh. Foto: Dok. Kemko IPK)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Pengamat ekonomi menilai perlu ada pengawasan berlapis dalam pengelolaan Koperasi Desa\/Kelurahan (Kopdes) Merah Putih guna mencegah potensi penyimpangan dan memastikan tata kelola berjalan akuntabel. Ekonom Center of Reform on Economics (CORE) Indonesia Dipo Satria Ramli mengatakan, skala dan ragam fungsi Kopdes yang mencakup aspek komersial hingga sosial membutuhkan pembagian pengawasan lintas lembaga sesuai [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":24892,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[1842,7814,6097,9657,1208,11727,2359],"class_list":["post-24891","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","tag-desa","tag-kelola","tag-kelurahan","tag-kopdes","tag-koperasi","tag-merah-putih","tag-pengawasan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perlu Pengawasan Berlapis bagi Koperasi Merah Putih - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=24891\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Perlu Pengawasan Berlapis bagi Koperasi Merah Putih - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Pengamat ekonomi menilai perlu ada pengawasan berlapis dalam pengelolaan Koperasi Desa\/Kelurahan (Kopdes) Merah Putih guna mencegah potensi penyimpangan dan memastikan tata kelola berjalan akuntabel. Ekonom Center of Reform on Economics (CORE) Indonesia Dipo Satria Ramli mengatakan, skala dan ragam fungsi Kopdes yang mencakup aspek komersial hingga sosial membutuhkan pembagian pengawasan lintas lembaga sesuai [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=24891\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-23T09:33:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-23T09:33:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/04\/koperasi-merah-putih-kemko-iPK-e1776936778340.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1488\" \/>\n\t<meta property=\"og:image:height\" content=\"875\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Iyan Pahlevi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=24891\",\"url\":\"https:\/\/businessupdate.id\/?p=24891\",\"name\":\"Perlu Pengawasan Berlapis bagi Koperasi Merah Putih - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-04-23T09:33:07+00:00\",\"dateModified\":\"2026-04-23T09:33:09+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=24891#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=24891\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=24891#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Perlu Pengawasan Berlapis bagi Koperasi Merah Putih\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Perlu Pengawasan Berlapis bagi Koperasi Merah Putih - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=24891","og_locale":"en_US","og_type":"article","og_title":"Perlu Pengawasan Berlapis bagi Koperasi Merah Putih - Businessupdate.id","og_description":"BusinessUpdate &#8211; Pengamat ekonomi menilai perlu ada pengawasan berlapis dalam pengelolaan Koperasi Desa\/Kelurahan (Kopdes) Merah Putih guna mencegah potensi penyimpangan dan memastikan tata kelola berjalan akuntabel. 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