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Abstract
ABSTRAK
Efektivitas koperasi dalam upaya meningkatkan kesejahteraan masyarakat desa mengalami banyak hambatan, terutama dalam hal permodalan. Permasalahan tersebut tidak mencapai titik temu sampai akhirnya Pemerintah Indonesia mencanangkan pembentukan Badan Usaha Milik Desa (BUMDes) sebagai alternatif peningkatan kesejahteraan masyarakat desa. Menjawab permasalahan koperasi, BUMDes mendapatkan bantuan berupa dana desa yang bersumber dari APBN sebagai sumber modal. Namun demikian, timbul masalah krusial terkait pengelolaan dana desa tersebut, yaitu perihal pengawasan dan pertanggung-jawaban keuangan negara. Artikel ini membandingkan hambatan efektivitas kedua sarana peningkatan kesejahteraan masyarakat desa, yaitu Koperasi dan BUMDes. Penelitian ini menggunakan metode pendekatan yuridis normatif dengan spesifikasi penelitian deskriptif analisis. Metode analisis data berupa yuridis kualitatif. Berdasarkan hasil penelitian, hambatan permodalan yang dialami koperasi tidak perlu diselesaikan dengan pembentukan badan hukum baru, melainkan melalui linkage program antara Bank Umum dengan Koperasi yang dicanangkan Kementerian Koperasi dan Usaha Kecil dan Menengah.
Kata kunci: bumdes, ekonomi, koperasi, masyarakat desa, solusi keuangan desa.
ABSTRACT
The effectiveness of cooperatives in an effort to improve the well-being of villagers has some issues, especially in terms of funding. Government presumably could not come up with the solution to that, and creating the establishment of Village-Owned Enterprises (VOE) as an alternative instead. Answering the issue faced by cooperatives, VOE get the funding scheme through Village Fund, which principally comes from the State Budget. However, the new crucial issue comes up regarding the capital management, such as the supervision and accountability of that State Budget. This article compares barriers to the effectivity of both cooperatives and VOE. This research used normative juridical approach method, and descriptive analysis specification. Data analysis conducted in the form of juridical qualitative methods. Based on the research results, the funding issue faced by cooperatives does not need to be settled through formulating new institution, but instead, through linkage program scheme between cooperative and the Bank which initiated by the Ministry of Cooperative and Small and Medium Enterprises.
Keywords: village owned enterprises, economy, village community, village financial solutions.
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