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Metode yang digunakan adalah systematic literature review dengan tahapan penelusuran, seleksi, dan analisis sumber pada periode 2021–2025. Hasil menunjukkan kolaborasi KMP–LKNB meningkatkan inklusivitas kredit mikro, pembiayaan produktif, transparansi pengelolaan dana desa, diversifikasi sumber pendanaan, serta keberlanjutan ekonomi lokal. Temuan menekankan penguatan kapasitas pengelola koperasi dan dukungan regulasi adaptif agar sinergi efektif.",{"@graph":63,"@context":124},[64,81,103],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,72,75,78],{"item":68,"name":69,"@type":70,"position":71},"https://docshare.wps.com","Home","ListItem",1,{"item":73,"name":9,"@type":70,"position":74},"https://docshare.wps.com/id/document/",2,{"item":76,"name":31,"@type":70,"position":77},"https://docshare.wps.com/id/document/penelitian-laporan/",3,{"item":79,"name":59,"@type":70,"position":80},"https://docshare.wps.com/id/document/synergy-between-merah-putih-cooperative-and-non-bank-financial-institutions-in-strengthening-village-economic-governance-in-indonesia/228810/",4,{"url":79,"name":59,"@type":82,"image":83,"author":88,"headline":59,"publisher":91,"fileFormat":94,"inLanguage":57,"description":61,"dateModified":95,"datePublished":96,"encodingFormat":94,"isAccessibleForFree":97,"interactionStatistic":98},"DigitalDocument",{"url":84,"@type":85,"width":86,"height":87},"https://docshare.wps.com/thumbnails/synergy-between-merah-putih-cooperative-and-non-bank-financial-institutions-in-strengthening-village-economic-governance-in-indonesia/228810.png","ImageObject",300,407,{"name":89,"@type":90},"Graffin","Person",{"url":68,"name":92,"@type":93},"DocShare","Organization","application/pdf","2026-10-05","2026-09-10",true,{"@type":99,"interactionType":100,"userInteractionCount":102},"InteractionCounter",{"@type":101},"ViewAction",6,{"@type":104,"mainEntity":105},"FAQPage",[106,112,116,120],{"name":107,"@type":108,"acceptedAnswer":109},"Apa tujuan penelitian tentang Koperasi Merah Putih dan LKNB?","Question",{"text":110,"@type":111},"Penelitian bertujuan mengkaji sinergi KMP dan LKNB sebagai strategi penguatan tata kelola ekonomi desa di Indonesia.","Answer",{"name":113,"@type":108,"acceptedAnswer":114},"Metode apa yang digunakan dalam penelitian ini?",{"text":115,"@type":111},"Penelitian menggunakan systematic literature review dengan tahapan pencarian, seleksi, dan analisis sumber, berbasis artikel jurnal, laporan pemerintah, dan publikasi lembaga nasional periode 2021–2025.",{"name":117,"@type":108,"acceptedAnswer":118},"Bagaimana sinergi KMP dengan LKNB dapat meningkatkan ekonomi desa?",{"text":119,"@type":111},"Sinergi berkontribusi pada peningkatan transparansi pengelolaan dana desa, diversifikasi sumber pembiayaan, serta keberlanjutan ekonomi lokal melalui skema seperti kredit mikro inklusif, pembiayaan produktif, dan pendampingan usaha.",{"name":121,"@type":108,"acceptedAnswer":122},"Apa syarat agar sinergi KMP dan LKNB berjalan efektif?",{"text":123,"@type":111},"Diperlukan penguatan kapasitas sumber daya manusia pengelola koperasi serta dukungan regulasi yang adaptif agar kolaborasi dapat efektif dalam mendorong kemandirian ekonomi desa.","https://schema.org",{"og:url":79,"og:type":126,"og:title":59,"og:site_name":92,"og:description":61},"article",{"robots":128,"canonical":79},"index,follow",{"doc_id":130,"site_id":56},228810,1789029323,{"code":4,"msg":5,"data":133},{"doc_id":130,"user_id":134,"nickname":89,"user_avatar":135,"doc_module":4,"category_id":30,"category_name":31,"doc_title":59,"doc_description":61,"doc_content":136,"file_id":137,"file_url":138,"file_type":139,"file_size":140,"view_count":102,"is_deleted":4,"is_public":71,"is_downloadable":71,"audit_status":71,"page_count":141,"language":142,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":143,"faqs":144,"seo_title":145,"seo_description":61,"update_tm":131,"read_time":146},3573418547284,"https://eur-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","SINERGI KOPERASI MERAH PUTIH DAN LEMBAGA KEUANGANNON-BANK DALAM PENGUATAN TATA KELOLA EKONOMI DESA DI INDONESIA  \nIntan Putri Delima 1 , Mutiara Latifa2 , Hesti Amelia Putri3 , Wesi Oktavianti4 , Fadhilatul Azizah5 , Zahra Mahdalena6 , Ichsan Anta Ridho7 , Fera Zora8  \n1-8Universitas Mahaputra Muhammad Yamin , Jl. Jend. Sudirman No. 6, Solok, Sumatera Barat, Indonesia  \nEmail: [delimaintanputri898@gmail.com](delimaintanputri898@gmail.com)  \n\n| Article History\u003Cbr>Received: 04-12-2025\u003Cbr>Revision: 14-01-2026\u003Cbr>Accepted: 17-01-2026\u003Cbr>Published: 19-01-2026 | Abstract. This study examines the synergy between the Merah Putih Cooperative (KMP) and non-bank financial institutions (LKNB) as a strategy for strengthening village economic governance in Indonesia. The research uses a systematic literature review approach with stages of searching, selecting, and analysing sources. Data was collected from scientific journal articles, official government reports, and relevant national institution publications for the period 2021–2025, then analysed thematically to identify patterns of cooperation, benefits, and implementation challenges. The results of the study show that KMPas a community-based economic empowerment instrument has great potential tobe strengthened through collaboration with LKNB, such as pawnshops and multifinance companies, especially in the distribution of inclusive microcredit, productive financing, and assistance for village community businesses. This synergy contributes to increased transparency in village fund management, diversification of financing sources, and local economic sustainability, while reducing villages' dependence on central government subsidies. The findings of this study emphasise the importance of strengthening the capacity of cooperative managers and providing adaptive regulatory support so that the synergy between KMP and LKNB can be effective in promoting village economic independence.\u003Cbr>Keywords: Red and White Cooperative, NBFIs, Village Economic Governance\u003Cbr>Abstrak. Penelitian ini mengkaji sinergi antara Koperasi Merah Putih (KMP) dan lembaga keuangan non-bank (LKNB) sebagai strategi penguatan tata kelola ekonomi desa di Indonesia. Penelitian menggunakan pendekatan studi literatur sistematis dengan tahapan penelusuran, seleksi, dan analisis sumber pustaka. Data dikumpulkan dari artikel jurnal ilmiah, laporan resmi pemerintah, serta publikasi lembaga nasional yang relevan pada periode 2021–2025, kemudian dianalisis secara tematik untuk mengidentifikasi pola kerja sama, manfaat, dan tantangan implementasi. Hasil kajian menunjukkan bahwa KMP sebagai instrumen pemberdayaan ekonomi berbasis komunitas memiliki potensi besaruntuk diperkuat melalui kolaborasi dengan LKNB, seperti pegadaian dan perusahaan multifinance, terutama dalam penyaluran kredit mikro yang inklusif, pembiayaan produktif, serta pendampingan usaha masyarakat desa. Sinergi tersebut berkontribusi pada peningkatan transparansi pengelolaan dana desa, diversifikasi sumber pembiayaan, dan keberlanjutan ekonomi lokal, sekaligus mengurangi ketergantungan desa terhadap subsidi pemerintah pusat. Temuan penelitian ini menegaskan pentingnya penguatan kapasitas sumber daya manusiapengelola koperasi serta dukungan regulasi yang adaptif agar sinergi KMP dan LKNB dapat berjalan efektifdalam mendorong kemandirian ekonomi desa.\u003Cbr>Kata Kunci: Koperasi Merah Putih, LKNB, Tata Kelola Ekonomi Desa |\n| --- | --- |\n| How to Cite: Delima, I. P., Latifa, M., Putri, H. A., Oktavianti, W., Azizah, F., Mahdalena, Z., Ridho, I. A., & Zora, F. (2026) . Sinergi Koperasi Merah Putih dan Lembaga Keuangan Non-Bank dalam Penguatan Tata Kelola Ekonomi Desa di Indonesia. Indo-MathEdu Intellectuals Journal, 7 (1), 773-786.\u003Cbr>[http://doi.org/10.54373/imeij.v7i1.4988](http://doi.org/10.54373/imeij.v7i1.4988) |  |\n\nPENDAHULUAN  \nEkonomi desa di Indonesia masih menghadapi berbagai hambatan struktural yang menghambat pertumbuhan inklusif dan berkelanjutan. Ketergantungan ","cbCaikxQJCnSreeL","https://ap.wps.com/l/cbCaikxQJCnSreeL","pdf",496078,14,"Indonesian","# Pendahuluan\n## Tantangan ekonomi desa dan literasi keuangan\n## Urgensi penguatan ekonomi desa dalam dinamika fiskal nasional\n## Peran Koperasi Merah Putih (KMP)\n## Potensi lembaga keuangan non-bank (LKNB)\n## Kesenjangan: kendala koperasi desa dan kebutuhan integrasi pembiayaan","[{\"question\":\"Apa tujuan penelitian tentang Koperasi Merah Putih dan LKNB?\",\"answer\":\"Penelitian bertujuan mengkaji sinergi KMP dan LKNB sebagai strategi penguatan tata kelola ekonomi desa di Indonesia.\"},{\"question\":\"Metode apa yang digunakan dalam penelitian ini?\",\"answer\":\"Penelitian menggunakan systematic literature review dengan tahapan pencarian, seleksi, dan analisis sumber, berbasis artikel jurnal, laporan pemerintah, dan publikasi lembaga nasional periode 2021–2025.\"},{\"question\":\"Bagaimana sinergi KMP dengan LKNB dapat meningkatkan ekonomi desa?\",\"answer\":\"Sinergi berkontribusi pada peningkatan transparansi pengelolaan dana desa, diversifikasi sumber pembiayaan, serta keberlanjutan ekonomi lokal melalui skema seperti kredit mikro inklusif, pembiayaan produktif, dan pendampingan usaha.\"},{\"question\":\"Apa syarat agar sinergi KMP dan LKNB berjalan efektif?\",\"answer\":\"Diperlukan penguatan kapasitas sumber daya manusia pengelola koperasi serta dukungan regulasi yang adaptif agar kolaborasi dapat efektif dalam mendorong kemandirian ekonomi desa.\"}]","Sinergi Koperasi Merah Putih dan Lembaga Keuangan Non-Bank dalam Penguatan Tata Kelola Ekonomi Desa di Indonesia | PDF",22]