Legal Model of State Intervention through Government Funding in the Digital Transformation and Sustainable Management of Red-and-White Rural/Urban Village Cooperatives
DOI:
https://doi.org/10.21787/jbp.18.2026.3016Keywords:
Red-and-White Rural/Urban Village Cooperative, Koperasi Desa/Kelurahan Merah Putih, State Intervention, Financing of Cooperatives, Digital Transformation, Pancasila Economics, SustainabilityAbstract
The legal model governing the financing of a unique form of cooperative management in Indonesia under Article 33 of the 1945 Constitution requires further clarification. According to this management model, the state should remain present in and support cooperatives as pillars of the national economy. The administration of President Prabowo Subianto has developed this cooperative management model through the establishment of more than 83,000 Red-and-White Rural/Urban Village Cooperatives (Koperasi Desa/Kelurahan Merah Putih [KDKMPs]) throughout Indonesia, utilizing digital transformation to strengthen transparency, accountability, and sustainability in modern cooperative management. This study adopts a normative legal methodology supported by an empirical approach. Legislation, interview findings, focus group discussions, and materials from national seminars were collected, analyzed, and interpreted. The study finds that the KDKMP financing legal model is characterized by state intervention through the government’s direct financing of cooperatives using the state budget through state-owned banks as an implementation of constitutional economic principles concerning economic democracy and collective welfare.
Downloads
References
Afgani, R., & Wanusmawatie, I. (2025). Kebijakan Koperasi Merah Putih dalam Perspektif Ekonomi Politik Pembangunan: Pendekatan State-Centered dan Teori Ketergantungan. Jurnal Pendidikan Tambusai, 9(2), 22375–22383. https://doi.org/10.31004/jptam.v9i2.30167
Alnemr, N. (2024). Democratic Self-Government and the Algocratic Shortcut: The Democratic Harms in Algorithmic Governance of Society. Contemporary Political Theory, 23(2), 205–227. https://doi.org/10.1057/s41296-023-00656-y
Astutik, S. D., & Rizki A., A. (2025). Strategi Dinas Koperasi dalam Pembinaan Kelembagaan Koperasi Mewujudkan Kemandirian Ekonomi. Jurnal Akuntansi, Manajemen, dan Perencanaan Kebijakan, 3(1), 9. https://doi.org/10.47134/jampk.v3i1.874
Baldwin, R., Cave, M., & Lodge, M. (2011). Understanding Regulation. Oxford University Press. https://doi.org/10.1093/acprof:osobl/9780199576081.001.0001
Banakar, R., & Travers, M. (Eds.). (2005). Theory and Method in Socio-Legal Research. Hart Publishing Ltd. http://www.hartpub.co.uk/books/details.asp?isbn=9781841136264
Bovaird, T. (2014). Attributing Outcomes to Social Policy Interventions – ‘Gold Standard’ or ‘Fool’s Gold’ in Public Policy and Management? Social Policy & Administration, 48(1), 1–23. https://doi.org/10.1111/j.1467-9515.2012.00869.x
Creswell, J. W., & Poth, C. N. (2017). Qualitative Inquiry and Research Design: Choosing Among Five Approaches. Sage Publications.
Guidi, M., Guardiancich, I., & Levi-Faur, D. (2020). Modes of Regulatory Governance: A Political Economy Perspective. Governance, 33(1), 5–19. https://doi.org/10.1111/gove.12479
Gunningham, N., Grabosky, P., & Sinclair, D. (1998). Smart Regulation. Oxford University Press. https://doi.org/10.1093/oso/9780198268574.001.0001
Gupta, C. (2014). The Co-operative Model as a ‘Living Experiment in Democracy.’ Journal of Co-Operative Organization and Management, 2(2), 98–107. https://doi.org/10.1016/j.jcom.2014.09.002
Halliday, T. C., & Shaffer, G. (Eds.). (2015). Transnational Legal Orders. Cambridge University Press. https://doi.org/10.1017/CBO9781107707092
Hasanudin, A. (2025). Kepastian Hukum Pembiayaan Koperasi Desa Merah Putih: Analisis Kelembagaan Antara Prinsip Kemandirian Koperasi dan Intervensi Negara [Universitas Pembangunan Nasional Veteran Jakarta]. http://repository.upnvj.ac.id/id/eprint/40024
Hasanudin, A., Winanti, A., & Meliala, A. J. (2025a). Legal Certainty of Financing of Merah Putih Village Cooperatives: Institutional Analysis Between the Principle of Cooperative Independence and State Intervention. Multidisciplinary Indonesian Center Journal, 2(2), 2400–2416. https://doi.org/10.62567/micjo.v2i2.1145
Hasanudin, A., Winanti, A., & Meliala, A. J. (2025b). Potential for Budget Disharmonization in the Management of the Merah Putih Village Cooperative. International Journal of Law and Society, 2(3), 100–121. https://doi.org/10.62951/ijls.v2i3.660
Hidayat, M., & Kurniawan, R. (2023). Transformasi Digital Koperasi dan Tantangan Regulasi Perlindungan Data di Indonesia. Jurnal Hukum dan Teknologi, 5(1), 34–52. https://doi.org/10.33005/jht.v5i1.70
Hillo, J., Vento, I., & Erkkilä, T. (2025). Algorithmic Governance: Experimental Evidence on Citizens’ and Public Administrators’ Legitimacy Perceptions of Automated Decision-Making. Public Administration. https://doi.org/10.1111/padm.70028
Ifa, K. R. (2024). Peran Digitalisasi Koperasi Terhadap Peningkatan Kualitas Pelayanan dan Kinerja Keuangan di KSPPS BMT Alhikmah Semesta. Jurnal Kajian Ekonomi dan Koperasi Indonesia, 1(1). https://journal.imfea.or.id/index.php/jkeki/article/view/18
Irawansah, D., Ridwan, Ahmad, & Muliya, K. S. (2025). Perspektif Hukum: Perlindungan dan Pemberdayaan Koperasi untuk Menuju Kemandirian Koperasi Indonesia. Journal of Excellence Humanities and Religiosity, 2(1), 133–143. https://doi.org/10.34304/joehr.v2i1.325
Koswara, A. (2025). The New Cooperative Program ‘KMP’ and the Indonesian Pancasila Economy: A Legal and Philosophical Approach. International Journal Law and Legal Ethics, 6(1), 15–29. https://doi.org/10.47701/ijlle.v6i1.4858
Kurniawan, I. G. A. (2022). Digitalization of Business Law: Urgency and Orientation of the Industrial Revolution 4.0 and Society 5.0. Volksgeist: Jurnal Ilmu Hukum dan Konstitusi, 5, 253–265. https://doi.org/10.24090/volksgeist.v5i2.6847
Kusumasari, L. (2025). Synergy Between Village-Owned Enterprises and Merah Putih Village Cooperatives: The Road to Economic Independence. Equity: Jurnal Akuntansi, 5(2), 123–136. https://doi.org/10.46821/equity.v5i2.648
Latif, Y. (2025). Building the Soul of the Indonesian Nation: Mohammad Hatta on Religion, the State Foundation, and Character Building. Studia Islamika, 32(2), 241–278. https://doi.org/10.36712/sdi.v32i2.45220
Lodge, M. C., & Wegrich, K. (2012). Managing Regulation: Regulatory Analysis, Politics and Policy. Palgrave Macmillan. https://doi.org/10.1007/978-1-137-26552-4
Muijs, F. G. O. (2025). Analisis Pergeseran Paradigma Otonomi Daerah Sebelum dan Sesudah Undang-Undang Cipta Kerja. Jurnal Inovasi dan Kajian Multidisipliner Kontemporer, 1(2), 421–428. https://portalpublikasi.com/index.php/inomatec/article/view/764
Nadapdap, B. J., Parsaulian, M., & Napitupulu, D. R. W. (2025). Regulasi dan Dampak Koperasi Simpan Pinjam (KSP) terhadap Pemberdayaan UMKM dan Masyarakat Pedesaan. Jurnal Dimensi Hukum, 9(3), 168–176. https://oaj.jurnalhst.com/index.php/jdh/article/view/10049
Nugraha, A. B. (2016). Politik Hukum terhadap Koperasi Indonesia. Cakrawala: Jurnal Penelitian Sosial, 5(2), 271–298. https://ejournal.uksw.edu/cakrawala/article/view/669
Nurkholis, Kgs. M., Meiriasari, V., & Hendarmin, R. M. R. (2023). Analisis Peranan Jati Diri Koperasi Sebagai Wujud Pengimplementasian Good Corporate Governance (GCG) Koperasi di Indonesia. Jurnal Ilmiah Ekonomi Global Masa Kini, 14(1), 37–44. https://doi.org/10.36982/jiegmk.v14i1.3143
Okfitasari, A., & Suprihatin. (2025). Akuntabilitas Keuangan Koperasi di Indonesia dengan Permenkop Nomor 2 Tahun 2024. Jurnal Ilmiah Edunomika, 9(3). https://doi.org/10.29040/jie.v9i3.17656
Perdana, M. T., Susetiyo, W., & Kasiani. (2025). Dualisme Kewenangan Pengawasan Koperasi Simpan Pinjam (KSP) antara Kementerian Koperasi dan UKM serta Otoritas Jasa Keuangan (OJK). Jurnal Supremasi, 15(2), 135–148. https://doi.org/10.35457/supremasi.v15i2.5069
Pulungan, M. S. (2019). Konsepsi Bangun Perusahaan Koperasi: Kerangka Pemikiran Badan Usaha yang Ideal Menurut Pasal 33 Ayat (1) UUD 1945. Jurnal Hukum & Pembangunan, 49(2), 241–264. https://doi.org/10.21143/jhp.vol49.no2.2001
Puspita, G. (2025). Adaptation of Sharia Accounting in the Digital Economy: A Study of Sharia-Based Fintech Startups in Indonesia. Journal of Taxation Insights Policy Practice, 1(2), 54–63. https://doi.org/10.59784/jtipjournal.v1i2.13
Rahman, I., Muhtar, M. H., Mongdong, N. M., Setiawan, R., Setiawan, B., & Siburian, H. K. (2024). Harmonization of Digital Laws and Adaptation Strategies in Indonesia Focusing on E-commerce and Digital Transactions. Innovative: Journal of Social Science Research, 4(1), 4314–4327. https://doi.org/10.31004/INNOVATIVE.V4I1.8240
Rahmi, P. A., Zakira, R., & Kurnia, A. (2025). The Impact of Globalization on Pancasila as a Human Rights-Based Ethical System in Indonesia. Justices: Journal of Law, 4(1), 26–31. https://doi.org/10.58355/justices.v4i1.142
Ralian, J., Tehupeiory, A., & Silalahi, F. (2023). Analisis Yuridis Pemaknaan Pasal 33 (1) UUD 1945 Berdasarkan Pancasila dari Perspektif Hukum Tata Negara. Jurnal Cahaya Mandalika, 4(3), 1262–1270. https://doi.org/10.36312/jcm.v4i3.2085
Rizki, N., Ridhawati, R., & Prasedya, T. C. I. T. (2024). Good Corporate Governance in Cooperatives Organization: Lesson Learn From Indonesia. New Applied Studies in Management, Economics and Accounting, 7(1), 55–66. https://doi.org/10.22034/nasmea.2024.181225
Sabila, S. V., & Toruan, V. G. L. (2024). Koperasi dalam Perspektif Hukum Strategi Peningkatan Ekonomi Masyarakat di Era Globalisasi. Media Hukum Indonesia, 2(4), 309–315. https://doi.org/10.5281/zenodo.14192048
Salsabil, H. H., Munazih, M., & Kunarti, S. (2025). Tinjauan Hukum Administrasi Negara Terhadap Pembentukan Koperasi Desa Merah Putih Melalui Instruksi Presiden. Jurnal USM Law Review, 8(2), 901–922. https://doi.org/10.26623/julr.v8i2.12031
Saputri, A. R., Subandriyo, & Hardiyan, M. I. (2025). Koperasi Desa Merah Putih dalam Perspektif Pembangunan Desa dan Tata Kelola Pemerintahan. Journal of Society Bridge, 3(2), 95–106. https://doi.org/10.59012/jsb.v3i2.83
Skelcher, C., & Smith, S. R. (2015). Theorizing Hybridity: Institutional Logics, Complex Organizations, and Actor Identities: The Case of Nonprofits. Public Administration, 93(2), 433–448. https://doi.org/10.1111/padm.12105
Sudirta, I. W., Pieris, J., Nugroho, W., & Ryantoni, H. (2025). Explore the Values of Pancasila as the Basic Philosophy of the Indonesian Nation. Arena Hukum, 18(1), 127–158. https://doi.org/10.21776/ub.arenahukum2025.01801.6
Sukardi, D., Hafizd, J. Z., Muamar, A., Hamamah, F., Royani, E., & Sobirov, B. (2024). Digital Transformation of Cooperative Legal Entities in Indonesia. Al-Risalah: Forum Kajian Hukum dan Sosial Kemasyarakatan, 24(2), 68–86. https://doi.org/10.30631/alrisalah.v24i2.1563
Sulistiyo, H., Nugraha, N., Hasanuh, N., Suartini, S., Manda, G. S., Sidik, S., & Lukita, C. (2025). Cooperatives Research Trends in Indonesia: A Systematic Literature Review. The Indonesian Accounting Review, 15(1), 21–36. https://doi.org/10.14414/tiar.v15i1.4858
Supriyanti, S. S., & Pertiwi, D. N. G. (2025). How Do Pancasila Economics and Islamic Economics Relate to Financial Governance Policies in Indonesia? Journal of Islamic Economics and Bussines Ethics, 2(1), 1–22. https://doi.org/10.24235/jiesbi.v2i1.198
Warsono. (2016). Koperasi dan Gagasan Konstitusi Ekonomi Indonesia dalam Kerangka Pasal 33 UUD 1945. Jurnal Ilmiah Dunia Hukum, 1(1), 91–104. https://doi.org/10.35973/jidh.v1i1.609
Yeung, K. (2018). Algorithmic Regulation: A Critical Interrogation. Regulation & Governance, 12(4), 505–523. https://doi.org/10.1111/rego.12158
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Author(s)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.


