Koperasi Desa Merah Putih Maluku Utara

Koperasi Desa Merah Putih Maluku Utara is a government program launched by President Prabowo Subianto on July 21, 2025, designed to empower rural communities through cooperative-based economic development. It operates across 10 cities and regencies in the Maluku Utara region, including Ternate, Tidore Kepulauan, and the Halmahera archipelago. The organization consists of 80,081 units of cooperatives spread across villages and kelurahan throughout Indonesia, aiming to build self-reliance based on mutual cooperation principles.

Members can join by visiting the local KDMP office at the kecamatan or desa/kelurahan level in Maluku Utara. Applicants must prepare their KTP, KK, and NPWP documents. After submitting these, they pay the simpanan pokok and simpanan wajib, then activate their membership through the Simkopdes application to officially become part of the cooperative network.

Each cooperative unit can request a loan of up to Rp3 billion with an annual interest rate of 6% and a maximum tenor of 6 years. These funds are sourced from Saldo Anggaran Lebih (SAL) APBN and distributed through partner banks including BRI, BNI, Mandiri, and BSI under the Himbara banking system. This financing aims to support local business needs without relying on traditional lenders.

The cooperative provides nine distinct business units to serve community needs comprehensively. These include simpan pinjam services, sembako retail stores, village pharmacies, health clinics, logistics for harvest management, fertilizer and saprotan retail outlets, mini SPBU/SPBE stations, digital warungs, and public service facilitation. This integrated approach ensures residents can access essential goods and services in one location.

Sembako items such as rice, cooking oil, and sugar are sold at lower prices compared to the open market. The cooperative achieves this by sourcing directly from distributors, eliminating excessive intermediaries and middlemen from the supply chain. This streamlined distribution model helps maintain affordability for daily household necessities while ensuring consistent availability.

Funding comes exclusively from Saldo Anggaran Lebih (SAL) APBN rather than regular APBN, APBD, or APBDes sources. This SAL is deposited in Himbara banks to serve as the credit source for cooperative members. Using surplus funds in this manner allows the program to operate without drawing from the regular annual budget allocations.

Under PMK No. 49 Tahun 2025, the kepala desa or lurah serves as the ex-officio supervisor for each village cooperative. They hold responsibility for legalizing operations, facilitating human resource development training, and overseeing governance standards within their jurisdiction. This role ensures local government oversight aligns with national cooperative regulations.

Residents can verify their cooperative status using the Simkopdes platform at simkopdes.go.id or via the Simkopdes Mobile application. Alternatively, they may contact the Dinas Koperasi dan UKM Maluku Utara or their local village office for assistance. The digital tools provide transparency and allow members to track their participation and benefits.

The cooperative actively collects and manages agricultural and fishery harvests from farmers and fishermen to ensure fair pricing. By intervening in the supply chain, it removes exploitative middlemen and guarantees a transparent distribution system. This approach protects producers from volatile market fluctuations and ensures they receive equitable compensation for their labor.

The digital ecosystem relies on Simkopdes, which functions as a comprehensive management platform for cooperative governance. This system bridges trust between administrators and members through transparent features accessible via web and mobile applications. It modernizes rural trade management and facilitates efficient communication across the network.

The program aims to eliminate the role of traditional middlemen and usurers in rural economic activities. By creating a direct link between producers and consumers, it strengthens national food security from the village level upward. This structural change seeks to restore the economic system envisioned in Article 33 of the 1945 Constitution.

The cooperative operates across 10 specific regions in Maluku Utara, including Kota Ternate, Kabupaten Halmahera Barat, and Kabupaten Pulau Taliabu. Each area has its own KDMP unit coordinated under the central program framework. This regional coverage ensures that economic empowerment initiatives reach diverse geographic and cultural contexts within the province.

The cooperative is designed for rural communities seeking affordable access to essential goods, low-interest financing, and fair market prices for their produce. It targets individuals who want to bypass traditional supply chain inefficiencies and participate in a structured mutual aid system. The model suits those looking for a localized, community-driven economic solution.

The official website of Koperasi Desa Merah Putih Maluku Utara is kdmpmalut.org.

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