Emphasizing the risk, he said that the need for cooperatives, which, as proved, work well. The short -term solution, which is more realistic and can be quickly completed, is to form secondary cooperative activities as a subsidiary of BRI, MANDIRI and BNI. This business organization can consist of primary cooperatives that have been tested and have a healthy business base in regions and villages.
“This model provides a more measurable management of credit risks, while creating an industry and regional cooperative economic aggregation. BRI can form secondary cooperative entities that are concentrated on the agricultural sector and rural UMKM, regardless of trade and services, while BNI in the industrial sector between the sector and regional approaches, in the interests and not short -lived competitions.
He continued, such a political model also opens access to healthy financing and integrated management for members of the cooperative. Similar models were proved by successful in other countries. In addition, there were several examples of success from the cooperative integration model and financial services.
Thus, the development of cooperatives should be focused on the consolidation of existing cooperatives without violating the positive culture or the uniqueness of each cooperative, strengthening management, building the ability of cooperative human resources and expanding the network of cooperative markets in aggregate.
Thus, the secondary cooperatives formed by Bank Himbara will be better prepared to play a role in various economic politicians, for example, the distribution of various subsidies or assistance for the MMSP can be through secondary cooperatives with their members.
“Indonesia is looking for a populist economic model, cooperatives should really be the main pillar. However, the pillar will be strong only if it is built with a strong institutional basis, ”he concluded.
