Menteri Koordinator Bidang Perekonomian Airlangga Hartarto mendorong agar Dewan Koperasi Indonesia (Dekopindo) untuk menggencarkan gerakan koperasi terutama bagi generasi muda. Hal tersebut mengingat terdapat beberapa tantangan bagi koperasi, diantaranya daya saing koperasi dan sumber daya manusia (SDM).
Airlangga menyebut, pemerintah juga melihat transisi koperasi menuju digital ke depan menjadi penting, sejalan dengan transisi menuju Indonesia Emas 2045. Sementara generasi muda memegang peranan penting dalam digitalisasi koperasi, karena mempunyai literasi yang tinggi terhadap digitalisasi, tambah dia
Ia menyampaikan dengan jumlah anggota yang saat ini yang mencapai 24,44 juta orang dan volume usaha mencapai lebih dari Rp285 triliun, koperasi di Indonesia bergerak di berbagai sektor, mulai dari sektor produksi, pemasaran, konsumsi, jasa, hingga simpan pinjam.
Airlangga menyebut, pemerintah juga melihat transisi koperasi menuju digital ke depan menjadi penting, sejalan dengan transisi menuju Indonesia Emas 2045. Sementara generasi muda memegang peranan penting dalam digitalisasi koperasi, karena mempunyai literasi yang tinggi terhadap digitalisasi, tambah dia
Ia menyampaikan dengan jumlah anggota yang saat ini yang mencapai 24,44 juta orang dan volume usaha mencapai lebih dari Rp285 triliun, koperasi di Indonesia bergerak di berbagai sektor, mulai dari sektor produksi, pemasaran, konsumsi, jasa, hingga simpan pinjam.
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TVTranscript
00:00Indonesia will continue to support the development of national cooperation to contribute to economic growth in Indonesia.
00:15The Ministry of Economy and Trade explains that the government will continue to implement policies that support the digitalization of the cooperation sector in Indonesia.
00:23The government encourages the increase in the capacity of the MSMEs based on cooperation to continue to support the national economy, especially those in the region.
00:37In commemoration of the 77th National Cooperation Day in Batam City not long ago, the Ministry of Economy, Trade and Welfare emphasizes the importance of digital approach as part of the development of national cooperation.
00:51With the number of MSMEs reaching 24.44 million people in Indonesia, the Ministry of Economy, Trade and Welfare calls for the strengthening of cooperation capacity through the role of digital technology.
01:04Because through digital-based cooperation that can continue to be developed, the efforts of MSMEs are expected to grow faster in serving not only the interests of their members, but also the general public.
01:17Hybrid cooperation and digital are important to enter.
01:21So don't let the latest things or digitalization be hidden from the laws of cooperation.
01:29So this is the time to be reviewed again that in the future this cooperation will become a modern cooperation.
01:39Of course we learn from various other countries that cooperation can serve the people.
01:46Not only the members themselves.
01:51The Ministry of Environment also emphasizes that cooperation must also set an example for other countries that can grow bigger.
01:57So that the people of cooperation in the country also need to continue to explore the potential of their business by learning a similar type of business in other countries in order to increase their capacity.
02:07From Jakarta, Rahat Jopatmo, IDX Channel.
02:12Okay, our topic this time is digitalization, increase the competitiveness of Indonesian cooperation.
02:18We have been connected through Zoom with Mr. Tesar Sandikapura, General Director of Indonesian Digital Empowerment Community or IJEC.
02:26Then, Mr. Nailul Huda, Director of Digital Economy CELIOS.
02:30Hello, good morning, Mr. Tesar.
02:33Good morning, sir.
02:34Greetings, sir.
02:36Mr. Nailul, good morning too.
02:38Good morning, sir.
02:40Good morning, sir.
02:41Good morning, Mr. Tesar.
02:43Thank you for your time.
02:45We will review first from Mr. Tesar.
02:48How do you see the development of cooperation, then digitalization in Indonesia?
02:54If we look at it from a digital point of view, we know that almost all lines of development,
02:58MSMEs, even industries, have entered the digital arena.
03:02Please.
03:03Yes, if I look at it, cooperation is quite absent from several services in Indonesia towards the digital world.
03:11I saw in the last few years, the first four years, there were some young people who started to make digital cooperation.
03:17But I see it hasn't been very successful yet.
03:20It could be because it hasn't been directly felt by users in this matter, not just the members of cooperation, but also the community.
03:29Maybe that's one of the reasons why cooperation hasn't been seen in terms of lifestyle, especially among young people.
03:35Maybe that's it, sir.
03:37Okay, but from the point of view of cooperation, Mr. Nailul,
03:40how do you see the potential that can be developed?
03:43While MSMEs, as we know, have been going digital for years.
03:48But do you see the development is quite significant or not?
03:51Then how about cooperation, which is now also becoming the focus of the government?
03:56Yes, sir.
03:57If we look at this cooperation, actually, it's more like a sympathetic cooperation.
04:06Okay.
04:07Or we can say it's from the financial sector.
04:12Well, it's a little bit moving in the field other than financial, right?
04:17Production and the like is still relatively small.
04:21Well, in terms of digitalization, these cooperations that are financial or mortgage-based,
04:30it's not yet too optimal, if I may say so, in terms of digitalization.
04:38Because there are many factors, sir.
04:40There is the SDM factor, then there is the competition factor with other financial institutions,
04:46such as LKM, or there is FinHealth, B2B, and others,
04:50which they exist primarily for digital.
04:54Well, this is one of the PRs, actually, for financial cooperation or mortgage-based cooperation.
05:00This can enter the digital ecosystem in the community, right?
05:07Well, this is what I think the PR is there.
05:10So, the cooperation that it forms, in addition to financial, such as production cooperation, marketing,
05:16there are still not too many that benefit the digital ecosystem.
05:21We see from production, for example, if there is a batik DVD.
05:25Well, batik cooperation is actually quite strong in various areas.
05:29First, in my area, Pekalongan, it's quite strong, batik cooperation there,
05:33but the market is not yet able to achieve digital safety.
05:40So, it's not yet there to develop the cooperation.
05:44And this is the PR in the SDM, sir.
05:48But with some challenges that you have mentioned,
05:51is the cooperation platform still interested by the community?
05:54No, right?
05:55There was the SDM, then the competition with other financial institutions,
05:59and now it's easy to use a mobile phone.
06:03Yes, actually, if we look at this operation, it's closer to the community, right?
06:10Especially if it's based on Agota, then in the village and so on,
06:15of course they are closer to the community,
06:19more familiar with the people around them,
06:24so that when they are profiling for Agota or its customers,
06:31they are definitely better than the other vendors.
06:36But the problem is that they can be said to have a limited scope.
06:44Then, when they want to go digital,
06:51for example, if they want to go digital,
06:54they also need capital to be able to build their system.
06:57That's why, what I've found so far,
07:00the cooperation that they have borrowed,
07:03that they do digitalization,
07:06it's just digitalization in marketing,
07:09then advertising that they send SMF, send WA, and so on,
07:14I think it's just that.
07:16But indeed, to enter digitalization in a complete way,
07:20it's not too active yet.
07:25And we can see that one of the largest SMF borrowers in Indonesia,
07:31it's still very much left for the problem of digitalization.
07:35Moreover, the cooperation that they,
07:37for example, serve only one or two vendors,
07:41they are definitely very much left out in terms of digitalization.
07:45Alright.
07:46Mr. Testar, what do you think?
07:48Actually, the challenge in the digital era,
07:50in the midst of disruption, digitalization at the moment,
07:53what if you look at the potential of cooperation that can be developed?
07:57Isn't it attractive for the millennials,
08:00Gen Z, who are already close to the digital era?
08:05Yes, alright.
08:06So, if I see it right,
08:08so this is the problem of people first.
08:10So, we know that cooperation is the backbone of Indonesia's economy.
08:14But this is just a jargon.
08:16Many young people don't even know what cooperation is actually.
08:20So, I think this education needs to be improved first.
08:24What is basic cooperation?
08:26So that later when we want to make it digitalized,
08:29it will be more attractive.
08:31Because if we want to make it digital,
08:33the cooperation itself doesn't understand,
08:35this is a bit funny in my opinion.
08:37So, the PR is really a matter of understanding first,
08:40about what cooperation is.
08:43From school,
08:45from elementary school, from high school,
08:47they have already become a member of a corporation.
08:49Now, I think,
08:50even in the campus,
08:51there are already few corporations.
08:53So, I see that there are some gaps that are quite wide,
08:56between knowledge about cooperation,
08:59immediately jumping to the digital world,
09:01I think.
09:02Okay.
09:03So, literacy is related to this cooperation,
09:06which is still being improved.
09:08Later we will try to compare it with digitalization.
09:11What is digitalization like?
09:12The challenges and strategies that need to be applied,
09:14we will discuss later in the next segment.
09:16Mr. Nailul and Mr. Tesar,
09:17we will take a short break.
09:18We will be right back.
09:38Thank you for staying with us.
09:40In the next segment,
09:41we will be sharing data with you,
09:43about the number of active corporations in Indonesia.
09:45This data is from 2018 to 2022.
09:48You can see the full data on the television screen.
09:51We will show that in 2018,
09:53there are 126,343 active corporations in Indonesia.
09:59Then, if we pull it up to 2022,
10:02actually, there is no significant growth.
10:06Just a slight increase,
10:07from 126,000,
10:09to only 130,354 active corporations in 2022.
10:17Then,
10:18we will look at the sales value of goods and services in Indonesia.
10:23In 2021, 63 billion,
10:25then in 2023, 82 billion dollars,
10:27then in 2025 projection,
10:30there is 109 billion US dollars.
10:33Next, we will look at the value of digital payments in Indonesia.
10:37There is an increase of 234 billion US dollars in 2021,
10:43while the projection is 417 billion US dollars in 2025.
10:50We will continue our discussion with Mr. Nailul Huda,
10:53then Mr. Tesar Sandikapura.
10:55Mr. Nailul,
10:56you have been underlined,
10:58Mr. Tesar,
10:59then Mr. Nailul,
11:00related to SDM,
11:01it means there is literacy,
11:02how people are more interested in cooperation.
11:07Actually, maybe it can be explained,
11:08the mechanism of the work pattern,
11:10if the competitiveness comes from financial institutions,
11:14fintech, etc.,
11:15then how is the existence of cooperation itself,
11:18Mr. Nailul?
11:20Yes,
11:21if the cooperation itself,
11:23actually now there are two,
11:26the financial one,
11:27there are two,
11:28there is a closed loop,
11:29or open loop,
11:30and open loop.
11:31What is a closed loop?
11:32A closed loop serves the payment to its own members,
11:37so from member to member.
11:39But if it's an open loop,
11:40it can serve other people outside the member.
11:44This is what we often see,
11:47if we look at 130,000 operations,
11:51almost 87% to 90%
11:54are loan-keeping operations,
11:56or those related to the financial sector.
11:58So this is what I emphasize,
12:01most of them are still in the financial sector.
12:05And even if we look at the operations that are related to the financial sector,
12:09they are still relatively small.
12:12So they are still small,
12:14then they also,
12:16what I said,
12:17when they want to be digitized,
12:20they are only limited to digitization
12:22in terms of distributing invitations through WA,
12:26through Sun, and so on.
12:28I think there is a limit to that.
12:30And for those outside the financial sector,
12:34outside the financial sector,
12:36they must also have difficulties
12:38to get into,
12:40so to speak, e-commerce, and so on.
12:42But there are actually several corporations
12:45that I see have also entered digitalization.
12:49But most of them are in the business sector,
12:53and production,
12:55not the financial sector.
12:56Because the financial sector is quite competitive.
12:58But for those who are in the business sector,
13:04through e-commerce or other online platforms,
13:08I think they can still compete with other traders.
13:14Okay.
13:15From the point of view of the availability of infrastructure,
13:17digital technology,
13:19Mr. Tesar,
13:20in your opinion,
13:21can cooperation boost its potential?
13:24If indeed this,
13:25if you say,
13:26this is the teacher of Indonesia's economy.
13:29Yes.
13:30If I look at it from a digital perspective,
13:31actually our infrastructure is already quite capable,
13:34if we quote,
13:36put a kind of digital cooperation service in every area.
13:41Because we have a com-info service for the infrastructure,
13:45there are also several one-storey services
13:48that we can add there for cooperation services.
13:51So it can be said,
13:53WMKM no longer need to be digital from scratch.
13:56The government can create a kind of platform
13:59that can be customized for each need.
14:02So they just need to put a server,
14:05maybe like yesterday at PDN, for example,
14:07at Central,
14:08so that the regions no longer need to create a new system.
14:12They just need to customize it according to their needs.
14:14And this is much more effective than
14:16we create a cellular service in every region.
14:19So this will be a cost,
14:21if it becomes like that, Mr. Pras.
14:23Okay.
14:24But it means there will be funds like that,
14:26which may need the presence of the country there,
14:29in the sense that the government also contributes
14:31for each region,
14:32maybe from the regional government.
14:34What do you think?
14:35Yes.
14:36As far as I can see,
14:37the digital world is now borderless.
14:39It means that centralize can be done
14:41by the Ministry of Cooperation.
14:43For example, they have a main server
14:45in the central office.
14:46There are several distribution channels
14:48in several regions.
14:49Okay.
14:50But we don't need to make it from scratch anymore.
14:52So later, every regional government,
14:54even to the government,
14:55can customize it according to the needs of the corporation.
14:58For example, if the corporation borrows money,
15:00it means that the feature is borrowed money.
15:02If there are other services,
15:04they just need to add the feature in the system.
15:07So, all systems are already compiled neatly.
15:10So, any reporting to the Ministry of Cooperation
15:12is much easier.
15:14So, what about the role of the corporation itself?
15:17If we go to you, Mr. Nailul,
15:19from what you see,
15:21the corporation does borrow money,
15:23but the scale is even smaller
15:25because there are more members in the region.
15:29So, with the presence of financial institutions,
15:31FinTech, Portable Lending,
15:33how do you see the potential?
15:35Which part can be developed with digitalization?
15:39Yes.
15:40Of course, we can see,
15:42as Mr. David said,
15:44that every region is already connected to the bank.
15:50But don't forget about the SDM.
15:52Many of the SDMs are not yet digitalized.
15:55Okay.
15:56Many of them are not yet test-safe.
15:59So, there are several communities,
16:01many of our communities,
16:03who want to test digital.
16:05Okay.
16:06This can actually be a drawback for the corporation
16:09to be able to provide services,
16:12especially financial services.
16:14We're talking about financial services
16:15because 87% is financial.
16:17Okay.
16:18So, it can be a drawback for the corporation
16:20that is in the financial field.
16:22They give,
16:24give services to people
16:27because they are not co-opted by digital.
16:31That's the first.
16:32The second is,
16:34by relying on a system
16:36that is a member of a member,
16:39then the member can invite other family members
16:43or other relatives.
16:44I think that can be one of the strengths of the corporation itself.
16:48Okay.
16:49Because, basically, this corporation,
16:51it strengthens the members.
16:54Yes.
16:55The act line is,
16:56from a member,
16:58for a member,
16:59for a member.
17:00Yes.
17:01So, indeed,
17:02this member must be registered first.
17:05So, we,
17:06I think it's actually like this.
17:08What I said about the DVD file,
17:10we also need to underline
17:13that what must be registered first
17:15is the member of the corporation.
17:17After registering the member of the corporation,
17:19then we can expand it higher,
17:23so they can serve those outside their members.
17:26So, this is what should be done.
17:29For example,
17:30the village unit corporation,
17:32which is a paddy, for example.
17:34The village unit corporation,
17:35it takes goods from the farmers,
17:38the members of the corporation itself,
17:40to be sold at a higher price.
17:42Okay.
17:43This has to be done by the farmers first.
17:46Then they can take from other farmers
17:49outside the corporation.
17:51We do not deny the possibility
17:54that this corporation can develop faster,
17:56but I think we have to start from the smallest thing,
17:59which is the member of the corporation itself,
18:01which must be more prosperous.
18:03But the regulation, in your opinion, is already on the track?
18:05In other words, we just have to switch
18:07to digitalization.
18:10Yes.
18:11Regulation in terms of,
18:13it's also in the P2SK law,
18:15that there are several corporations
18:17that if they serve outside the members,
18:22by collecting investment funds,
18:24it goes to the OJK.
18:27But if it's just serving the members,
18:31it goes to the OJK.
18:34What I emphasize here is,
18:37the regulation has been made,
18:38it just needs to be implemented.
18:41And don't forget,
18:42we also have LFPDB funds,
18:44which can be used for cooperation
18:46and so on,
18:47which I think can be utilized
18:49by the members of this corporation
18:51to develop their business even bigger.
18:54So, how is the implementation?
18:56We are waiting for the Ministry of Corporation and Monetary Affairs
19:00to act quickly, accurately, and efficiently.
19:03Okay, that's it.
19:04It looks like it's still quite a long way,
19:06the journey of digitalization of cooperation in Indonesia.
19:09While we know that the government is also focused
19:11on the digitalized MSMEs.
19:14Hopefully, by building a digital ecosystem,
19:17as Mr. Tesar has said,
19:19the infrastructure is okay,
19:20how the system from the central government
19:23has also been connected,
19:24this can be a solution.
19:26It's just a matter of how, again,
19:27talking about MSMEs,
19:28the digital literacy itself,
19:30for the members of the corporation,
19:31both the open-loop and the closed-loop,
19:34as for the operational cooperation in Indonesia.
19:36Okay, unfortunately, the time is limited.
19:38Mr. Nailo, thank you very much
19:39for the sharing that has been delivered.
19:41Mr. Tesar, for the insight that you have delivered
19:43about the digitalization of cooperation in Indonesia,
19:46congratulations on continuing your activities again.
19:48Stay healthy.
19:49Mr. Nailo, Mr. Tesar, thank you.
19:51Thank you.
19:52Thank you, Mr. Tesar.
19:55Okay, viewers,
19:56an hour has passed,
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20:13I am Investor Saham.
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20:19Thank you and see you again.
20:41I am Investor Saham.
20:42I am Prasetya Wibowo.
20:43Thank you and see you again.