Tangkal ‘Bank Emok’ dan Rentenir, Dana Desa Kini Bisa Dipinjam Buat Modal Usaha

dana desa

Karawangplus.com – Guna meminimalisir ketergantungan warga terhadap ‘bank emok’ dan rentenir yang kerap mencekik masyarakat yang meminjam uang, Dana Desa yang dialokasikan pemerintah kini bisa dipakai untuk modal usaha warga. Tentu saja, syaratnya harus membentuk kelompok usaha dan akan disalurkan melalui Badan Usaha Milik Desa (BUMDes).

Kepala Desa Karyamakmur Kecamatan Batujaya Alek Sukardi menyatakan bahwa sebagian dari dana desa yang mengalir ke rekening desa, sebagian memang dialokasikan untuk jatah wirausaha masyarakat. “Sebagian dana desa bisa digunakan untuk masyarakat yang kekurangan modal usaha. skalanya Usaha Kecil ya,” kata Sekretaris Asosiasi Kepala Desa Seluruh Indonesia (Apdesi) Karawang ini.

Alek juga menyebut, tujuan adanya kemudahan mendapatkan akses dana segar bagi masyarakat ini untuk mengurangi tingkat ketergantungan terhadap bang emok atau rentenir yang demikian tinggi. “Cuma ya itu tadi, sebelum meminjam, mereka harus melampirkan KTP dan surat keterangan dari kelompok usahanya. Kalau untuk bunganya sendiri gak sampai 11 persen lebih,” tandasnya.

Artinya, jika masyarakat kelompok usaha meminjam dana Rp 10 juta, maka tiap kelompok harus menyetorkan Rp 1,1 juta selama 10 bulan. “Nah uang setoran Rp 1,1 juta itu ditanggung oleh seluruh anggota kelompok, misalkan ada 11 orang, berarti mereka cukup bayar Rp 100 ribu per bulan,” sebut pria berkumis ini.

Hasil keuntungan dari pengelolaan ini, kata dia, seluruhnya akan digunakan untuk membayar pegawai BUMDes. “Kita mah gak akan cawe-cawe soal keuntungan, lagian keuntungan juga kecil. Paling itu mah buat honor pegawai BUMDes aja sih,” tambah Alek.

Berapa nominal maksimal saat ini yang akan di ACC oleh desa untuk membiayai kredit usaha rakyat ini. “Paling tidak sampai Rp 30 juta lebih yang kami anggarkan lewat Dana Desa,” tutup dia.

Penulis : Nofian Sofiyadi

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