{"id":23027,"date":"2026-08-07T12:18:06","date_gmt":"2026-08-07T05:18:06","guid":{"rendered":"https:\/\/portalutama.net\/index.php\/2026\/08\/07\/saidiman-ahmad-pertanyakan-skema-utang-kopdes-rp240-triliun-yang-ditanggung-apbn\/"},"modified":"2026-08-07T12:18:06","modified_gmt":"2026-08-07T05:18:06","slug":"saidiman-ahmad-pertanyakan-skema-utang-kopdes-rp240-triliun-yang-ditanggung-apbn","status":"publish","type":"post","link":"https:\/\/portalutama.net\/index.php\/2026\/08\/07\/saidiman-ahmad-pertanyakan-skema-utang-kopdes-rp240-triliun-yang-ditanggung-apbn\/","title":{"rendered":"Saidiman Ahmad Pertanyakan Skema Utang Kopdes Rp240 Triliun yang Ditanggung APBN"},"content":{"rendered":" \r\n<br><img decoding=\"async\" src=\"https:\/\/fajar.co.id\/wp-content\/uploads\/2020\/09\/Mapel-Agama.jpg\" \/><br><div>\n\t\t\t\n<p class=\"wp-block-paragraph\"><strong>PORTALUTAMA.NET, JAKARTA<\/strong> &#8212; Pengamat politik Saidiman Ahmad merespons pernyataan Menteri Keuangan Purbaya Yudhi Sadewa terkait skema pembiayaan Koperasi Desa (Kopdes) Merah Putih yang menggunakan Anggaran Pendapatan dan Belanja Negara (APBN) untuk membayar kewajiban kredit hingga Rp240 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Saidiman, skema tersebut memunculkan pertanyaan mendasar mengenai mekanisme pembiayaan koperasi, terutama jika utang usaha pada akhirnya ditanggung negara.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pertanyakan Skema Pembayaran Utang<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Saidiman mempertanyakan alasan APBN harus digunakan untuk membayar utang koperasi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menilai, dalam praktik usaha, kewajiban utang semestinya dilunasi dari hasil kegiatan bisnis yang dijalankan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Utang usaha bukannya harus dibayar dari hasil usaha?&#8221; ujar Saidiman, dikutip <strong>fajar.co.id<\/strong>, Jumat (7\/8\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia juga mempertanyakan logika penggunaan APBN apabila sejak awal pemerintah telah menyiapkan anggaran untuk menutup utang koperasi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurutnya, hal itu justru menimbulkan kesan seolah-olah koperasi telah diperkirakan gagal bahkan sebelum menjalankan usahanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Kalau belum apa-apa sudah mau tanggulangi utang, apakah itu berarti Kopdes bangkrut atau sudah diperkirakan bangkrut?&#8221; tandasnya.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pemerintah Siapkan APBN untuk Bayar Kredit Kopdes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sebelumnya, pemerintah memastikan seluruh kewajiban kredit Program Koperasi Desa\/Kelurahan Merah Putih (Kopdes\/KDMP) akan dibayar melalui APBN. Nilai pokok pinjaman diperkirakan mencapai Rp240 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pembayaran dilakukan secara bertahap selama enam tahun. Pemerintah bahkan memastikan angsuran pertama mulai direalisasikan pada September 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Skema pembiayaan tersebut berasal dari penyaluran modal awal kepada sekitar 80 ribu koperasi desa di seluruh Indonesia. Masing-masing koperasi memperoleh plafon pinjaman sebesar Rp3 miliar sehingga total nilai kredit diperkirakan mencapai Rp240 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menteri Keuangan Purbaya Yudhi Sadewa menjelaskan, pemerintah telah menyiapkan mekanisme pembayaran kredit tersebut melalui APBN dengan tenor enam tahun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Iya kita bayar utangnya, itu kan Rp240 triliun kreditnya. Kira-kira setiap tahun di-<em>stretch<\/em> ke enam tahun. Jadi setiap tahun itu pokoknya jatuh Rp40 triliunan, tambah bunga sedikit,&#8221; kata Purbaya belum lama ini.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dengan skema tersebut, pembayaran pokok utang diperkirakan sekitar Rp40 triliun per tahun, di luar bunga pinjaman.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pemerintah Optimistis Berdampak Positif<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Meski membutuhkan anggaran besar, Purbaya meyakini Program Kopdes Merah Putih akan memberikan manfaat ekonomi bagi masyarakat desa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurutnya, keuntungan koperasi nantinya akan dibagikan kepada masyarakat melalui mekanisme Sisa Hasil Usaha (SHU), sedangkan aset koperasi akan menjadi milik desa.<\/p>\n<center\/>\t        \n\n\n\t\t\t<!-- .entry-footer -->\n\t\t<\/div>\r\n<br>\r\n<br><a href=\"https:\/\/fajar.co.id\/2026\/08\/07\/saidiman-ahmad-pertanyakan-skema-utang-kopdes-rp240-triliun-yang-ditanggung-apbn\/\">Source link <\/a>","protected":false},"excerpt":{"rendered":"<p>PORTALUTAMA.NET, JAKARTA &#8212; Pengamat politik Saidiman Ahmad merespons pernyataan Menteri Keuangan Purbaya Yudhi Sadewa terkait skema pembiayaan Koperasi Desa (Kopdes)<\/p>\n","protected":false},"author":2,"featured_media":23028,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-23027","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-150x150.jpg","medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-300x229.jpg","medium_large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg","large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg","1536x1536":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg","2048x2048":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg","colormag-highlighted-post":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-392x272.jpg","colormag-featured-post-medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-390x205.jpg","colormag-featured-post-small":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-130x90.jpg","colormag-featured-image":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg","colormag-default-news":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-150x150.jpg","colormag-featured-image-large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg"},"magazineBlocksPostAuthor":{"name":"Redaksi","avatar":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":"0","magazineBlocksPostExcerpt":"PORTALUTAMA.NET, JAKARTA &#8212; Pengamat politik Saidiman Ahmad merespons pernyataan Menteri Keuangan Purbaya Yudhi Sadewa terkait skema pembiayaan Koperasi Desa (Kopdes)","magazineBlocksPostCategories":["News"],"magazine_blocks_featured_image_url":{"full":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama.jpg",555,423,false],"medium":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-300x229.jpg",300,229,true],"thumbnail":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/08\/Mapel-Agama-150x150.jpg",150,150,true]},"magazine_blocks_author":{"display_name":"Redaksi","author_link":"https:\/\/portalutama.net\/index.php\/author\/neno\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"https:\/\/portalutama.net\/index.php\/category\/news\/\" rel=\"category tag\">News<\/a>","_links":{"self":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/23027","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/comments?post=23027"}],"version-history":[{"count":0,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/23027\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media\/23028"}],"wp:attachment":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media?parent=23027"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/categories?post=23027"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/tags?post=23027"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}