MINISTER OF FINANCE REGULATION OF THE REPUBLIC OF INDONESIA NUMBER 49 OF 2025 CONCERNING THE PROCEDURES FOR LOANS FOR THE FUNDING OF “MERAH PUTIH” VILLAGE/URBAN COOPERATIVES (MOF REGULATION 49/2025)
SUMMARY:
- PERMENKEU 49/2025 implements the directive of the President of the Republic of Indonesia in accordance with Presidential Instruction Number 9 of 2025 concerning the Acceleration of the Establishment of “Merah Putih” Village/Urban Cooperatives. As part of the national policy to promote self-reliance through sustainable food self-sufficiency and rural-based development for equitable economic distribution, the “Merah Putih” Village/Urban Cooperatives have been formally established.
- PERMENKEU 49/2025 prescribes the legal framework governing loan arrangements, including the extension of credit facilities to KKMP/KDMP (Village/Urban Cooperatives), subject to prior approval by the regent, mayor, or village head. It delineates the authority, obligations, and powers of stakeholders, and also regulates the implementation of loan disbursement.
- PERMENKEU 49/2025 outlines the loan scheme, including applicable provisions, eligibility requirements, procedures for loan applications and additional funding requests, as well as the protocols for fund disbursement.
- PERMENKEU 49/2025 provides the legal structure for loan repayment and the mechanisms of government-backed repayment support.
- PERMENKEU 49/2025 sets forth the standards for financial accounting and mandatory reporting.
- PERMENKEU 49/2025 also stipulates the appointment of treasury officials responsible for the allocation of village funds as a means of supporting loan repayment obligations.
OTHER PROVISIONS:
- PERMENKEU 49/2025 was enacted on 21 July 2025.
- PERMENKEU 49/2025 shall became effective upon promulgation.
- PERMENKEU 49/2025 was promulgated on 21 July 2025.
Author: Evi Mutiara
PMK-49-Tahun-2025-tentang-Tata-Cara-Pinjaman-Dalam-Rangka-Pendanaan-Kopdes-Merah-Putih