Ekonomi

Menggelorakan Spirit Kesejahteraan NTT (Catatan Untuk Hari Koperasi Kredit Internasional ke-71)

Kanisius Teobaldus DekiKetua Koperasi Kredit Kopkardios, Dosen STIE Karya Ruteng

NTT adalah provinsi Koperasi! Itu adalah salah satu julukan (naming) bagi provinsi yang sedang bergeliat dalam arus pembangunan, dengan konsep-konsep baru, yang dirindukan sebagai obat penawar bagi racun akut kemiskinan yang melanda wilayah ini. Salah satu obat penawar itu dalam bidang ekonomi adalah pertumbuhan usaha dalam bidang keuangan. Selain lembaga keuangan konvensional seperti bank, Koperasi Kredit (Kopdit) menunjukkan kinerja keuangan yang memunculkan tonggak-tonggak harapan baru.
Artikel ini membangun diskusi tentang bagaimana mengupayakan kesejahteraan bersama NTT melalui gerakan Koperasi Kredit (Kopdit), persis pada saat Kopdit merayakan International Credit Union Day ke-71 pada Kamis, 17 Oktober 2019.

Tantangan NTT
Catatan BPS NTT mempresentasikan jumlah penduduk miskin yang terus meningkat pada Maret 2019 sebesar 21,09% (1.146.320 jiwa) atau meningkat 0,06% (12.210 jiwa) dibandingkan dengan September 2018. Data ini memosisikan NTT sebagai provinsi miskin ketiga setelah Papua dan Papua Barat.
Populasi penduduk miskin di desa terus bertambah dari 24,65% menjadi 24,91% sedangkan di perkotaan menunjukkan grafik menurun dari 9,09% ke 8,84% pada Maret 2019.
Terdapat beberapa factor yang menyebabkan peningkatan angka kemiskinan antara lain nilai tukar petani (NTP), laju inflasi yang tinggi dan tingkat pengangguran terbuka (TPT). Nilai tukar petani pada Maret 2019 turun sebesar 1,60% dibandingkan September 2018 yaitu 107,35% menjadi 105,63%. Turunnya NTP disebabkan harga produksi pertanian menurun di satu sisi, sedangkan harga konsumsi petani meningkat di sisi lain. Gap yang tajam ini berefek pada inflasi yang tinggi dan tingkat pengangguran terbuka (TPT). Tingkat inflasi pada September 2018-Maret 2019 umumnya cukup tinggi yakni 2,02%. Sedangkan TPT pada akhir Februari 2019 mengalami kenaikan 3,10% dibandingkan Februari 2018 hanya menduduki posisi 0,12% dan 0,09%.
Selajur dengan kenyataan di atas, garis kemiskinan di NTT pada Maret 2019 dibukukan Rp. 373.922 per kapita. Jumlah ini merupakan rekapitulasi dari garis kemiskinan makanan sebesar Rp. 292.305 per kapita (78,17%) dan non makanan sebesar Rp. 81,617 (21,83%).

Angka-angka ini tentu menjadi pisau bedah bermata dua yang berkiblat pada perubahan predikat provinsi termiskin ke-3 di Indonesia. Di satu pihak, angka-angka kemiskinan menjadi titik mulai untuk membenah diri, menemukan potensi ekonomi baru dan membuat optimalisasi sumber-sumber daya ekonomi yang sudah ada. Di lain pihak, optimalisasi peran ekonomi pada stakeholder lebih terfokus pada sektor-sektor riil di NTT yang berdaya memberikan konstribusi langsung pada penurunan grafik angka kemiskinan masyarakatnya.
Sederhananya, para pihak manakah yang bisa dilibatkan secara nyata untuk membangun ruang usaha yang memberikan sumbangan bagi kesejahteraan masyarakat NTT?
Kopdit memicu Harapan

Dalam sebuah rapat koordinasi (Rakor) gubernur NTT dengan para bupati dan pelaku dunia usaha di NTT yang dilaksanakan di Hotel Ayana 11 Juni 2019, gubernur NTT, Viktor Bungtilu Laiskodat memberi ruang seluas-luasnya kepada Kopdit untuk ikut membangun NTT secara massif. Hal itu merupakan kesempatan pertama bagi Kopdit untuk dilibatkan secara resmi melalui pengakuan otoritas pemerintah provinsi sejak wilayah ini dinyatakan sebagai Provinsi Koperasi.
Apa yang diharapan gubernur tentu bukanlah penempatan ide pada ruang kosong. Jumlah Koperasi Kredit (Kopdit) yang bergabung ke Induk Koperasi Kredit Indonesia (Inkopdit) yang berada di NTT sebanyak 143 lembaga Kopdit. Total anggota untuk 143 lembaga itu adalah 859.292 orang, terdiri dari 433.541 orang laki-laki dan 425.751 orang perempuan. Data jumlah anggota hampir seimbang antara laki-laki dan perempuan. Ini menjadi harapan tentang konsep emansipasi ekonomi yang sudah berjalan baik di NTT. Perokonomian bukan lagi sebuah ranah yang hanya menjadi domain laki-laki.

Dari usaha yang dilakukan oleh 143 Kopdit, diperoleh jumlah asset seluruhnya Rp. 5.714.865.156.623. Dari total asset ini, pinjaman beredar Rp. 4.643.162.178.812.
Angka ini tentu bukanlah jumlah yang sangat besar bila dibandingkan dengan jumlah penduduk NTT. Namun demikian, angka ini mempresentasikan kekuatan ekonomi local yang bersumber pada masyarakat sendiri.
Jenis produk pinjaman dalam klasifikasi pinjaman usaha, kesejahteraan, pendidikan, masa depan menjadi jawaban yang mampu memberikan dukungan finansial bagi para anggotanya. Berhadapan dengan TPT, Kopdit membuka ruang yang luas bagi para pencari kerja untuk bekerja di Kopdit. Dari 143 lembaga ini terdapat 3.087 orang yang bekerja sebagai karyawan purnawaktu dan 1.184 orang yang menjadi pekerja paruhwaktu.
Penduduk NTT pada tahun 2019 berjumlah 5.456.203 jiwa. Dari seluruh jumlah penduduk NTT, ada 15,7% yang sudah menjadi anggota Koperasi Kredit. Belum terhitung anggota Koperasi dengan wadah atau asosiasi yang lain. Ini adalah angka yang memicu harapan.
Pada Hari Kopdit Sedunia ini, apa yang harus dilakukan agar masyarakat NTT memasuki gerbang kesejahteraan? Jawabannya adalah menjadikan masyarakat sebagai subjek pembangunan melalui rel Kopdit.

Secara internal, melalui sosialisasi dan pendidikan Kopdit terus mengupayakan pertumbuhan anggota agar makin banyak yang memasuki gerbong kesejahteraan: pertumbuhan usaha anggota makin baik, banyak modal yang berputar, banyak pekerja yang memeroleh tempat kerja dan anggota akhirnya mendulang keuntungan. Secara eksternal, peran pemerintah mendampingi Kopdit dengan regulasi yang kondusif sangat membantu Kopdit dan anggotanya berada pada komitmennya mensejahterakan masyarakat NTT. Inilah spirit kita bersama agar catatan sejarah ketertinggalan provinsi kita hanya menjadi kisah lama demi menyongsong era baru NTT.

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