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Peraturan Menteri Koordinator Bidang Perekonomian Nomor 7 Tahun 2026 menetapkan pedoman pelaksanaan Kredit Perempuan Prasejahtera (KPPS). Kebijakan ini bertujuan untuk menyediakan akses kredit atau pembiayaan produktif yang mudah dan terjangkau bagi perempuan prasejahtera yang sedang memiliki usaha atau akan memulai usaha, guna mendukung perekonomian nasional, memberikan kesempatan berusaha, meningkatkan lapangan pekerjaan, dan mendorong pertumbuhan ekonomi.

Ketentuan substansial dalam peraturan ini mengatur mengenai kriteria penerima KPPS, yaitu perempuan yang memiliki NIK, berasal dari keluarga prasejahtera (desil 1-4), tergabung dalam kelompok, dan memiliki usaha. Kelompok penerima KPPS wajib mengikuti layanan pemberdayaan yang diselenggarakan oleh penyalur, yang mencakup pendampingan berkala, edukasi keuangan, dan pelatihan kapasitas usaha. Penyalur KPPS terdiri atas Lembaga Keuangan atau Koperasi yang memenuhi persyaratan kesehatan dan kinerja serta memiliki sistem elektronik yang terintegrasi dengan Sistem Informasi Kredit Program (SIKP).

Peraturan ini juga mengatur mengenai mekanisme penyaluran, termasuk plafon pinjaman maksimal Rp15.000.000,00 per akad, suku bunga atau marjin sebesar 8% flat per tahun, serta jangka waktu maksimal 24 bulan yang dapat diperpanjang hingga 36 bulan. Pemerintah memberikan subsidi bunga atau marjin kepada penyalur. Selain itu, diatur pula mengenai peran Penjamin atau Asuransi KPPS, larangan pengenaan agunan tambahan, serta kewajiban pelaporan berkala oleh penyalur dan penjamin kepada Komite Kebijakan Pembiayaan bagi Usaha Mikro, Kecil, dan Menengah.

","transitional_provisions","sanctions","1. Penyalur KPPS yang mensyaratkan agunan tambahan dikenai sanksi berupa Subsidi Bunga/Subsidi Marjin KPPS tidak dibayarkan, dan jika telah diterima, wajib dikembalikan ke kas negara.\n2. Penyalur KPPS yang memiliki tingkat kredit/pembiayaan bermasalah (NPL/NPF) di atas 5% selama 6 bulan berturut-turut dapat dihentikan penyalurannya oleh Komite Kebijakan Pembiayaan bagi Usaha Mikro, Kecil, dan Menengah.\n3. Penyalur KPPS yang tidak menindaklanjuti teguran tertulis dalam jangka waktu 2 bulan dapat diberhentikan sebagai Penyalur KPPS.","revokes","revoked_by","partially_revokes","partially_revoked_by","amends","amended_by","partially_amends","partially_amended_by","establishes","established_by","constitutional_review","is_verified",false,"english_excerpt","

COPY
REGULATION OF THE COORDINATING MINISTER FOR ECONOMIC AFFAIRS OF THE REPUBLIC OF INDONESIA
NUMBER 7 OF 2026
ON
GUIDELINES FOR THE IMPLEMENTATION OF CREDIT FOR UNDERPRIVILEGED WOMEN

WITH THE BLESSINGS OF GOD ALMIGHTY

THE COORDINATING MINISTER FOR ECONOMIC AFFAIRS OF THE REPUBLIC OF INDONESIA,

Considering :

that the credit program for underprivileged women is implemented to provide easy and affordable access to productive credit/financing for underprivileged women who currently own a business or intend to start a business

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