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Indonesian Cooperatives based on Law No. 25 of 1992, is a business entity that is considered
by law as a company. Formed by its members to conduct business activities and support the economic
interests of its members. Cooperative management is run in a democratic way. The distribution of the
remaining business results is carried out fairly in accordance with the services sold by its members,
and the Cooperative must be independent.
However, it is different from the existence of Cipaganti Cooperative, Karya Guna Persada,
whose operational license was issued by the Bandung Small and Medium Enterprises Cooperative
Office, some time ago it had stirred up the citizens of Bandung, because there were 8,400 investors
who put great trust in the Cooperative Cipaganti Karya Guna Persada, with a total fund of Rp. 3.2
trillion, which until now is not clear. So that the investors, suspect that there is a structured financial
crime corporation in the form of financial embezzlement, between the Office that handles the
Cooperative in Bandung City, and the Cipaganti Cooperative management, Karya Guna Persada.
Thus said Anang Winardi as the chief coordinator of the investors, when he was met by Swara
Jabbar recently in his residence in Bandung. Next he revealed. "If you follow the applicable rules, that
each cooperative must provide a monthly report, related to its financial position and business to the
Department of Cooperatives, so that with the alleged financial fraud, it is also the responsibility of the
Bandung City Industry and Trade Office and the Cooperatives & Micro Enterprises Office. Small and
Medium Prov. West Java, "he said.
In addition, the funds submitted by investors to the Cipaganti Cooperative, Karya Guna
Persada, are not in accordance with the agreement between the Investor and the Cipaganti Cooperative
Karya Guna Persada. Because it has been used by a third party for his personal interests in his own
name or in the name of someone else, in the form of asset purchases, including land, hotels, coal mines
and others, said Anang Winardi.
It is clear that the Cipaganti Cooperative of Guna Persada's works has harassed and defamed
the Koperasi movement in Indonesia. The Government's efforts to make cooperative communities in
Indonesia through the Ministry of Cooperatives and SMEs accompanied the ease of policies and funds,
become meaningless. Because due to the negligence of government officials in the Cooperative and
Cooperative environment that he built, so that in the end defame the good of Cooperatives in Indonesia,
"We as many as 10 people representing 8,400 investors, on December 15 2016 planned to meet the
Minister of Cooperatives and SMEs in Jakarta, to question this issue. In addition, we will also question
the function and performance of the Financial Transaction Analysis Monitoring Center (PPATK) and
the Financial Services Authority (OJK) in order to supervise cooperatives in various regions, so that
cooperatives in Indonesia are expected to be more qualified", concluded Anang Winardi1.
What is the end to this case? What about the fate of the investing partners? From the final
verdict, it was stated that Cipaganti Cooperative Karya Guna Persada had to return its partner funds
through the sale of all assets after being declared bankrupt. Judge chairwoman Wiwik Suhartono said
the debtor had been negligent in implementing a peace agreement that had been ratified since 2013.
As a result, the peace agreement was declared null and void. In addition, debtors have been proven to
have unilaterally sold assets. The sales proceeds are not used for the benefit of creditors who after
homologation become cooperative partners.
Meanwhile, the attorney of the petitioner, Muhammad Ichwan, admitted that he was satisfied
with the decision that was considered to be in accordance with the legal facts and the argument of his
petition. These conditions have a positive impact on partners who have long been waiting for a refund.
It has been running for more than three years, the Cipaganti Cooperative fraud case was re-
rolled in the Bandung Class 1 District Court, March 2018. Nana Suryana (50), one of many victims of
the deception was also present at the trial in the First Class District Court of Bandung, stated that until
now, him and other victims have yet to receive any compensation. Various classic reasons from
Cipaganti Cooperative CEO, Andianto Setiabudi. Andianto claims he cannot pay because he’s still in
prison and Nana Suryana did not buy any of that. Nana said, the company always promised, but until
now, they as victims of fraud did not accept the realization of the promise2.
The four defendants who consist of 4 leaders of the cooperative legally and convincingly
carried out the collection without a business permit from Bank Indonesia (BI) and embezzlement of
Cipaganti Karya Guna Persada cooperative customer funds in a 7-year period of Rp 3.2 trillion. It was
intended in Article 46 paragraph 1 of Law Number 10 of 1998 on Banking. They were also subject to
fraud and embezzlement in accordance with the Criminal Code.
1
Sidik, Bental. (2016) “Cipaganti Cooperation Works For Persada To Engage Cooperation In Indonesia”
Available in: https://mitracipagantimember.wordpress.com/2016/12/09/koperasi-cipaganti-karya-guna-
persada-lecehkangerakan-koperasi-di-indonesia/
Accessed on September 5th 2016.
2 Damanik, Daniel. (2018) “Tiga Tahun Kasus Berjalan, Korban Penipuan Koperasi Cipaganti Belum