LPDB Koperasi

What LPDB Koperasi does

LPDB Koperasi is a Badan Layanan Umum (BLU) government service entity under the Indonesian Ministry of Cooperatives that manages and distributes revolving funds (dana bergulir) from the state budget (APBN) to cooperatives nationwide. Established in 2006 via Keputusan Menteri No. 19.4/Per/M.KUMKM/VIII/2006, the institution transitioned in 2020 to focus exclusively on the cooperative sector and was formally rebranded from LPDB-KUMKM to LPDB Koperasi in 2025. As of June 30, 2026, cumulative funds distributed totaled Rp22.4 trillion, comprising Rp17.4 trillion in Savings and Loan (Simpan Pinjam) and Rp5 trillion in Real Sector (Sektor Riil) portfolios.

The institution operates two core financing products, Pembiayaan Sektor Riil and Pembiayaan Simpan Pinjam, available through conventional schemes capped at 9% declining per year and sharia schemes using a 40:60 profit-sharing ratio or 3% margin. Its technology stack centers on the E-Proposal digital platform for proposal submission and tracking, a Loan Simulation Tool for parameter calculation, and the Innovative Credit Scoring (ICS) engine integrated with Simkopdes for KDKMP credit assessment. Distribution combines direct headquarters service from Jakarta, a network of 67+ registered notaries, 16 regional guarantee institutions (Jamkrida), 15 partnering incubators, and event-based coaching clinics.

LPDB generates revenue through regulated service tariffs (tarif layanan) on its financing portfolio rather than market interest rates, functioning as a non-profit public service institution. Its customer base spans tens of thousands of cooperatives across primary segments: Real Sector (agriculture, fisheries, manufacturing, services), Savings and Loan, Village/Sub-district Red and White Cooperatives (KDKMP, 83,000 entities with legal entity status), Sharia cooperatives, credit unions, and strategic-sector cooperatives including telecom infrastructure. The 2026 financing mix targets 80-85% allocation to real-sector cooperatives, reflecting a deliberate strategic reorientation from the historical Savings and Loan dominance.

Name

LPDB Koperasi

Legal name

Lembaga Pengelola Dana Bergulir (LPDB) Kopertary

Website

https://lpdb.go.id

Company type

Private

Founded year

2006

Operating status

Operating

Short description

LPDB Koperasi is an Indonesian government BLU entity under the Ministry of Cooperatives that distributes low-cost revolving funds from the state budget to tens of thousands of cooperatives nationwide through conventional and sharia financing schemes.

Ownership category

akta.pro rank

Product category

Cooperative Development Finance

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Development Finance, Guarantees & Blended Finance Programs (BPADABAM)

akta.pro secondary industry

SBA/USDA Government-Backed Loan Intermediation (FSAEAEAI)

Keywords

• Cooperative financing
• Revolving fund management
• Microfinance services
• Sharia cooperative lending
• Government development finance

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Government-allocated Revolving Fund Management: LPDB Kopi manages government budget (APBN) funds as a Bad an Layanan Umum (BLU) under the Ministry of Cooperatives. The institution provides low-cost financing to cooperatives through revolving fund mechanisms, generating revenue through service fees (tarif layanan) rather than traditional interest. Total funds distributed have reached Rp22.4 trillion as of mid-2026.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

LPDB Koperasi is a government Badan Layanan Umum (BLU) under Indonesia's Ministry of Cooperatives that manages and distributes low-interest revolving funds (dana bergulir) from the state budget (APBN) to cooperatives nationwide. It provides conventional and sharia-compliant financing across two programs—Pembiayaan Sektor Riil (Real Sector) and Pembiayaan Simpan Pinjam (Savings and Loan)—with maximum service tariffs of 9% declining per year (conventional) and 40:60 profit-sharing or 3% margin (sharia). Support services include an e-Proposal digital submission platform, loan simulation tools, technical guidance, and an incubator program.

Product overview

LPDB Kopi operates as a government revolving fund institution under the Ministry of Cooperatives, offering two primary financing products: Pembiayaan Sektor Riil (Real Sector Financing) and Pembiayaan Simpan Pinjam (Savings and Loan Financing). These core products are supported by the E-Proposal digital platform for online application submission and the Simulasi Pinjaman tool for loan calculations. Additional support services include the Inkubator program for cooperative development, Bimbingan Teknis (Bimtek) for technical training, and Coaching Clinic for consultation. The institution manages the KDKMP (Koperasi Desa/Kelurahan Merah Putih) program as part of the government's national cooperative development initiative, channeling revolving funds to cooperatives across Indonesia through conventional schemes (up to 9% declining per year) and sharia schemes (40:60 profit-sharing or max 3% margin per year).

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Rp22.4 trillion in cumulative financing distributed to cooperatives since establishment
• +4 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• PT PG Rajawali IcoreStrategic or Co-development Partner · 15 July 2026Strategic partnership for strengthening national sugar ecosystem through cooperative integration. LPDB Kopi, Ministry of Cooperatives, and Ministry of Agriculture collaborated with PT PG Rajawali I (state-owned sugar producer) in socialization and technical guidance for sugar cane farmer cooperatives. Sugar production from cooperatives will be off-taken by the company.
• MUI (Majelis Ulama Indonesia)coreStrategic or Co-development Partner · 9 April 2026MoU signed between Ministry of Cooperatives and MUI to strengthen economic empowerment based on cooperatives. Partnership leverages MUI's 87 Islamic mass organizations across 34 provinces to develop KDKMP, sharia cooperatives, and halal product ecosystem.
• INKOPDIT (Induk Kopi Kredit)coreStrategic or Co-development PartnerLong-standing partnership with national credit union federation representing 34 Pusat Kopi Kredit across Indonesia. LPDB Kopi has provided financing to dozens of credit unions over nearly two decades to strengthen cooperative capital and business capacity.
• Koperasi Pegawai Indosat (Kopindosat)minorStrategic or Co-development PartnerFinancing partnership for fiber optic backbone project along railway tracks. LPDB provided Rp47 billion to Kopindosat for digital infrastructure connecting communities, with potential to support KDKMP operationalization through improved internet connectivity.
• PT Indosat TbkminorStrategic or Co-development PartnerPartner in fiber optic backbone project with Kopindosat for extending internet access to underserved areas, particularly supporting digital transformation for cooperatives and KDKMP.
• PT Kereta Api IndonesiaminorStrategic or Co-development PartnerInfrastructure partner for fiber optic backbone installation along railway tracks spanning approximately 4,600 km from Cikampek to Banyuwangi and extending to Bali, Sumatra, and other regions.
• Jamkrindo (Asuransi Kredit Indonesia)coreImplementation/ SI/ Consulting PartnerCredit guarantee partner for cooperative financing risk mitigation through Askrindo and its network of regional guarantee institutions (Jamkrida) covering 16 provinces.
• Kadin DKI JakartaminorGTM or Marketing PartnerCollaboration to strengthen Jakarta cooperative and MSME ecosystem through technical guidance, webinars, and demonstration projects. Partnership aims to revitalize dormant cooperatives in Jakarta.
• Seruni Kabinet Merah PutihminorGTM or Marketing PartnerPartnership in Heritage in Motion event showcasing crafts, culture, and culinary products. LPDB participated with coaching clinic booth providing cooperative financing information and consultation.
• 15 Inkubator InstitutionscoreImplementation/ SI/ Consulting PartnerPartnership with 15 incubator institutions across Indonesia to assist cooperatives in upgrading through capacity building, business development, and institutional strengthening programs.
• LPPOM MUIminorStrategic or Co-development PartnerPotential collaboration for halal certification support for cooperative products, strengthening halal supply chain and market access for sharia-compliant products.
• World Council of Credit Unions (WOCCU)minorStrategic or Co-development PartnerInternational forum participation in World's Credit Union Conference 2026 in Bangkok for knowledge sharing on cooperative transformation, innovation, and Gen Z engagement strategies.

Scale indicators17 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Permodalan Nasional Madani: PNM is an Indonesian state-owned financing company focused on MSME and ultra-micro enterprise development. It is closely comparable to LPDB because both use subsidized or mission-driven finance and institutional support to improve access to capital for underserved productive borrowers.

Regional players

• bank bjb: bank bjb is a government-linked regional bank serving consumers, micro businesses, and small and medium enterprises, primarily in West Java and Banten. It is comparable through its regional MSME lending and financial-inclusion mandate, although it is a deposit-taking commercial bank rather than a dedicated cooperative fund.
• Bank Jatim: Bank Jatim is a provincial government-owned bank with significant micro, small, and medium enterprise and regional-development activities in East Java. Its local government ownership and MSME focus overlap with LPDB's development-finance role, but its funding and product model are broader.
• Bank Aceh Syariah: Bank Aceh Syariah is a regional sharia bank owned by the Aceh government and serves retail, SME, and agricultural customers. It compares with LPDB through government-linked financial inclusion and sharia finance, while differing by operating as a deposit bank.
• National Bank for Agriculture and Rural Development: NABARD is an Indian development bank focused on agriculture, rural institutions, and cooperative-sector financing. Its role in refinancing and strengthening rural cooperatives is structurally close to LPDB's revolving-fund and cooperative-capacity-building mandate.

Broad incumbents

• Pegadaian: Pegadaian is an Indonesian state-owned financial institution that provides large-scale financing to underserved micro and ultra-micro customers. It is comparable in target market and development mission, but its lending is primarily secured through pawnbroking rather than cooperative credit.
• Bank Rakyat Indonesia: BRI is an Indonesian state-controlled bank with the country's largest micro and small-enterprise franchise. It competes for many of the same productive and inclusion-oriented borrowers as LPDB but offers a full deposit, payments, and commercial-banking product suite.

Peers

• Small Industries Development Bank of India:

Others

• Jaminan Kredit Indonesia: Jamkrindo is an Indonesian state-owned credit-guarantee company and a disclosed LPDB partner for mitigating cooperative financing risk. It is adjacent rather than a direct lender, but it supports the same borrower ecosystem and the credit-risk management required for expanded MSME and cooperative finance.
• Askrindo: Askrindo is an Indonesian state-owned credit-insurance and guarantee provider active in MSME lending. It is comparable to the risk-mitigation layer around LPDB financing, although it does not originate the same cooperative loan products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/lpdb_ri?s=21
• YouTubeyoutube.com/channel/UCz2XF5jBzjgIZ6spNgcsMTg
• Facebookfacebook.com/share/1BGA4wVBc7/?mibextid=wwXIfr
• Instagraminstagram.com/lpdb.ri?igsh=enR4d2QxbGQ0ODgw
• TikToktiktok.com/@lpdb.ri?_t=ZS-90L56U1Ch9z&_r=1

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LPDB Koperasi