Koperasi Desa Merah Putih Kabupaten Bantul

Koperasi Desa Merah Putih Kabupaten Bantul (KDMP) is a government program launched by President Prabowo Subianto on July 21, 2025, operating across 15 kecamatan in Bantul Regency. It functions as a village and sub-district cooperative with 80,081 units nationwide, aiming to build economic independence through mutual cooperation. The organization is structured around three main pillars: providing staple goods at affordable prices, offering low-interest working capital loans, and managing agricultural and fishery harvests from local farmers and fishers.

The cooperative offers low-interest working capital loans of up to Rp3 billion per cooperative with an annual interest rate of 6% over a 6-year tenor. These loans are disbursed through state-owned banks known as Himbara, specifically BRI, BNI, Mandiri, and BSI. This financing model is designed to provide affordable capital directly to members without excessive intermediaries.

To become a member, individuals must visit the local KDMP office in their respective desa or kelurahan. They need to prepare their KTP (identity card) and KK (household registration card), pay the required simpanan pokok (principal deposit) and simpanan wajib (mandatory savings), and then activate their membership through the Simkopdes Mobile application.

KDMP operates across all 15 kecamatan in Kabupaten Bantul, including Bantul, Banguntapan, Bambanglipuro, Dlingo, Imogiri, Jetis, Kasihan, Kretek, Pandak, Pajangan, Piyungan, Pundong, Sanden, Sedayu, and Sewon. The program aims to cover every village and kelurahan within the regency to ensure broad economic inclusion.

The cooperative provides direct access to staple goods (sembako) such as rice, cooking oil, and sugar, sourced directly from distributors to eliminate unnecessary intermediaries. By cutting out the tengkulak (middlemen), the organization ensures that prices remain more affordable and accessible for daily household needs.

KDMP manages the collection, storage, and marketing of agricultural and fishery harvests from local farmers and fishers. This process guarantees a fair selling price and a transparent distribution chain, preventing farmers from being trapped by low market rates set by middlemen.

The operational foundation of KDMP relies on Simkopdes, a digital platform and mobile application that bridges trust between administrators and members. This technology enables comprehensive and transparent management of cooperative activities, replacing traditional manual processes with digital tracking.

The program is managed by Satuan Tugas (Satgas) KDMP, a cross-ministry and cross-agency government task force. This structure allows for coordinated implementation across different government departments to ensure the program's goals are met efficiently.

KDMP positions itself as an aggregator and accelerator of the rural economy, aiming to modernize village trade governance. It seeks to strengthen national food security from the village level while eliminating the role of rentenir (loan sharks) and traditional middlemen.

The cooperative is legally grounded in Article 33 of the 1945 Constitution of Indonesia, which mandates that the economy be based on cooperation. KDMP explicitly states its mission to return the economic system to these constitutional principles.

The program is funded and supported by state-owned banks referred to as Himbara, which include Bank Rakyat Indonesia (BRI), Bank Negara Indonesia (BNI), Bank Mandiri, and Bank Syariah Indonesia (BSI). These banks serve as the financial backbone for the cooperative's lending activities.

The organization claims to cut out the tengkulak (middlemen) and rentenir (loan sharks) to create a fairer economic system. Reviewers and the business itself emphasize the removal of these intermediaries as a key feature that makes the cooperative unique compared to traditional market structures.

The process for obtaining a loan involves visiting the local office, submitting identification documents, paying the initial deposits, and activating the account via the mobile app. For goods, the cooperative handles the direct distribution from distributors to members, bypassing multiple layers of retail.

KDMP is designed specifically for residents of the 15 kecamatan in Bantul Regency who wish to participate in a government-backed cooperative. It targets farmers, fishers, and general households looking for affordable access to essential goods and capital.

Koperasi Desa Merah Putih Kabupaten Bantul is located at Bantul, Kabupaten Bantul, ID.