Pembiayaan LPDB Butuh Rumus Baru

LPDB KUMKM didorongmemperbesarporsidanaberguliruntukKoperasi. Selainitu, menjadilembagapenyediapendanaanuntuk Apex Koperasi.

 

MESKI Pemerintah terus berupaya membantu perkuatan permodalan UMKM nyatanya masih banyak pelaku usaha yang kesulitan mengakses pembiayaan baik dari program pemerintah maupun kredit komersial. Di program kredit usaha rakyat (KUR) saja pada tahun lalu lebih dari 70 persen pelaku usaha tidak bisa terlayani. Penyebabnya beragam mulai dari tidak terpenuhinya persyaratan administrasi sampai kelayakan usaha.

Supriyono, konsultan keuangan mikro di International Finance Corporation (IFC) anak usaha Bank Dunia, mengatakan perlunya pembenahan di hulu yakni kebijakan pembiayaan UMKM. Termasuk di dalamnya kebijakan pembiayaan LPDB- KUMKM sebagai satuan kerja di bawah Kementerian Koperasi dan UKM. “Perlu ada rumus baru bagi LPDB agar lebih efektif dalam membiayai koperasi,” ujarnya.

Posisi LPDB sangat penting karena merupakan salah satu sumber permodalan bagi koperasi yang memberikan suku bunga kompetitif dibanding lembaga perbankan. Terlebih misi lembaga yang kini dipimpin Braman Setyo ini salah satunya adalah mengembangkan skim pembiayaan yang sesuai dengan kebutuhan KUMKM dalam rangka perluasan akses permodalan.

Ada lima hal yang perlu ditempuh yaitu pertama, sinkronisasi kebijakan LPDB dengan Kementerian Koperasi dan UKM. Ini penting dilakukan agar semakin sedikit koperasi yang mengantre untuk mendapatkan  akses pembiayaan dari LPDB.  Idealnya, kata Supriyono, kontrak kerja LPDB dilakukan dengan Kementerian Keuangan dan Kemenkop dan UKM sebagai kementerian teknis. Sementara saat ini, kontrak kinerja hanya dilakukan  dengan Kementerian Keuangan.

Untuk memacu kapasitas kelembagaan KUMKM perlu adanya sinergi antara Kemenkop dan LPDB. Ini untuk menurunkan angka para mitra yang tidak dapat terlayani. Jika pembinaan oleh Kemenkop berjalan dengan baik, niscaya semakin banyak proposal koperasi yang disetujui untuk dibiayai. Saat ini, dari 1.630 calon mitra yang dilakukan analisa permohonan, hanya 10 mitra atau 0,61% yang disetujui oleh Komite.

Reformulasi kedua yang perlu dilakukan adalah memperbesar alokasi pembiayaan ke koperasi dibanding Bank Perkreditan Rakyat (BPR). Ambil contoh, pada tahun lalu, dana yang ditargetkan mengalir ke lembaga keuangan nonkoperasi sebesar 400 miliar atau porsinya 40%. Sementara realisasinya penyaluran kepada bank dan pembiayaan modal ventura (PMV) saja sebesar Rp976 miliar atau 77,95%.

Secara regulasi, sebenarnya penyaluran dana bergulir LPDB ke BPR dibolehkan. Ini diatur dalam Peraturan Direksi LPDB-KUMKM Nomor 009 tahun 2011 Tentang Adendum Peraturan Direksi LPDB-KUMKM Nomor 35 tahun 2010 Tentang Petunjuk Teknis Pemberian Pinjaman/Pembiayaan Kepada KUMKM Melalui Lembaga Perantara. Peraturan Direksi ini salah satunya berdasarkan atas  Peraturan Menteri Keuangan Nomor 99 tahun 2008 tentang  Pedoman Pengelolaan Dana Bergulir pada Kementerian Negara/Lembaga sebagaimana telah diubah dengan PMK Nomor 218 tahun 2009 tentang Perubahan Atas Peraturan Menteri Keuangan Nomor 99 tahun 2008 tersebut.

Peraturan Direksi LPDB KUMKM tersebut juga mengatur tidak semua BPR dapat mengakses pembiayaan dana bergulir. Hanya BPR yang memiliki kinerja minimal cukup baik/cukup sehat serta memiliki laporan keuangan 2 tahun terakhir dengan opini minimal wajar dengan pengecualian berdasarkan hasil audit dari auditor independen khusus untuk yang memiliki asset Rp10 miliar ke atas.

Selain secara regulasi dibolehkan, toh dana bergulir yang disalurkan ke BPR nantinya juga akan dinikmati oleh pelaku usaha UMKM. Jadi, end user nya sama saja antara penyaluran melalui koperasi atau BPR. Hanya saja, yang menjadi kerisauan pelaku koperasi adalah alokasi dana bergulir yang terlalu besar untuk BPR. Padahal, BPR bukanlah domain dari Kemenkop dan UKM sebagai “atasan” LPDB yang tugasnya adalah membina koperasi. Sehingga ada ketidaksesuain antara yang dibina dengan yang diberikan pembiayaan dana bergulir.

Supriyono menambahkan, LPDB-KUMKM dapat didorong sebagai lembaga yang menyediakan pendanaan Apex  Koperasi/KSPPS. Ada dua skim pembiayaan yang bisa dilakukan yaitu skim pembiayaan untuk committed facility line dan skim pembiayaan penerusan kepada Koperasi/KSPPS anggota Apex. “Dengan keikutsertaan LPDB sebagai penyedia pendanaan maka Apex akan lebih bergigi,” ungkapnya.

Skim pembiayaan untuk kebutuhan committed facility line bertujuan sebagai dana pendamping dari pooled of funds yang dikumpulkan anggota Apex dalam bentuk Simpanan Wajib Minimum (SWM).

Seperti diketahui Apex memiliki tiga peran yaitu sebagai pooling of fund, financial assistent dan technical asssistent. Agar bisa berjalan maksimal, perlu adanya Pelaporan dan Rating terhadap anggota Apex.

Dorongan untuk melakukan reformulasi kebijakan pembiayaan LPDB-KUMKM target utamanya adalah memperkuat permodalan usaha KUMKM. Jika ini bisa terealisasi, maka akan sangat membantu pertumbuhan ekonomi yang lebih berkualitas.   (Drajat)

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