KOLABORASI LEMBAGA KEUANGAN, PEMERINTAH DAN PERUSAHAAN DALAM MENINGKATKAN PERAN KOPERASI KARYAWAN INDUSTRI SEBAGAI ALTERNATIF SOLUSI DALAM PEMBANGUNAN SEKTOR EKONOMI INDONESIA

The role of cooperative and MSMEs in economic growth are very important. In 1998, Indonesia experienced economic  crisis, the cooperative business units and MSMEs were relatively stable and able to survive compared to the large companies. According to date from the ministry of cooperatives and UMKM, in 2019 the number of cooperatives will be 126,343 units, although this number has decreased from 2014, which was 212,570 units. Seeing this certainly becomes a big hope  or opportunity for  Indonesia economic growth, however in general the development of cooperatives, still experiences various obstacles, especially in terms of capital and accessing capital sources. In Act no.3 of 2004, Bank Indonesian Bank policy in assisting the development of small and medium-sized businesses and cooperatives , is more about  technical assistance and institutional development. The task of managing credit has been transferred to SOEs including BRI, Bank BTN and PT. Nastional Capital Madani (PNM) banks.The optimization of the role of SOEs in the development of Indonesian cooperatives is indicated to be not optimal, especially in capital finance working, in this study, the writer will focus more on the cooperative of employees in an industrial company, which is still less touched by the stakeholders until now on. (One employee cooperative of PT.Tirta  Investma (AQUA), Tirta Bangun Karya Cooperative, Subang Regency, West java, the research approach is  based on the basic  assumptions of social science,  which will be conducted by the way of researchers’ analyzing of phenomenon or reality, analized by using SWOT analysis. This study aims to Provide an  overview of the business cooperatives opportunities, especially cooperative  employees of an industry, explaining  the involvement and mengagement of stakeholders in develoving and finacing the role of industrial employee cooperatives as the main business partners of companies that shelter, For Describing  the government framework in providing the recommendations to  stakeholders in  cevelopment programs is to support government programs in priority economic fields.From the research conducted, it can be concluded that : Government policies relatied to the development of  industrial cooperatives, namely : in general, government policies in developing cooperative, as such  they are independent and  have been realized ate not only carried out by one or two ministry institutions but by various  institutions, such as the ministry of cooperatives and MSMEs, ministries industry,  ministry of trade, and BAPENAS, Bank of  Indonesia, BUMN and Non Bank Finacial Institutions. Various from of support are given to  cooperatives such as guidance, assistance and financing. Related to this the government always tries to  facilitate cooperatives to have  access to finance  from financial institutions or banks and non banks. These facilities include subsidized banking credit, guarantees of non-bank institutions, financing from SEO profit allowance, grants and others.Company policy in developing employee cooperatives, namely: The company is a partner in running the company’s business wheels meaning that all efforts of the company to run the business always involve cooperatives, of course, this must be bound in the MoU between the company and the cooperative both in writing. The Members of the  cooperative are employees of the company  in which the cooperative belongs. A PKB ( Collective Labor Agreement) was made  between the union and company management  which one of the contents of the collective Labor Agreement  is cooperative. In the contents of the Collective Labor Agreement, there are  no cooperative there are no specific regulations regarding the involvement of cooperetives as Company’s  partners.Banking policy in developing cooperatives, the model link program between banks and cooperative,  has been running using the scheme of executing , channeling and joint finance. It is necessary to develop a model  for developing the  distribution of funds to cooperatives, in which  to support the cooperative business with cooperative is part of the company vendor/ supplier. Banking policies in terms of cooperative business funding need to be developed  softer, because in general, the employee cooperative do not  have variable or large assets yet. In which  this has always been a requirement of a bank in funding cooperative. A collaboration has been conducted between  bank and cooperative in  terms of  financing  cooperative  members  though an exceceuting system. There is no easy access to financial  cooperative businesses  father than the  employee of  finance itself.There needs a synergy  between the Government- financing Institutions and cooperative companies   to put coopretives  as a supporter of the Indonesian economiy, as such the recommendations for  the  central government though the relevant ministries are signed, they should be able to pay  more attenstion  on cooperative for  industrial employee. By issuing the relevant  regulations or laws with pathnerships, between employee cooperative and company management, the local government should have the  courage to issue a regulation relating partnerships between employee cooperatives and companies through related agencies, companies must create policies  towards the  employee cooperative  as the main business partners of companies and  financial institutions, especially banks  must play a more active  roles in communication, outreach, guidance and the realizing  channeling funds to  improve cooperative business units  through soft funding and policies that can facilitate cooperative In obtaining funding and financial institutions must be able to run government program in terms of funding  the cooperatives of industrial employee.