Challenges in Human Resources and Digitalisation Become More Urgent, Village Cooperative Programme Assistance in the Spotlight

Limitations in human resources (HR) and weak programme execution remain one of the challenges faced by the government in strengthening the rural economy through cooperatives and Village-Owned Enterprises (BUMDes). This situation becomes increasingly urgent with the implementation of new regulations, namely Ministry of Cooperatives and SMEs Regulation (Permenkop UKM) No. 2 of 2024, which mandates the digitalisation of cooperatives using the full Private Entity Financial Accounting Standards (SAK EP) starting in 2025. Facts on the ground show that many cooperatives still face fundamental obstacles in running their operations. Cooperative managers often multitask in various roles simultaneously. On the other hand, professional personnel such as accountants who understand SAK EP standards are still very limited. In addition, business decision-making in many cooperatives that is not yet data-based also risks causing strategic errors. The accumulation of these various obstacles results in many cooperative programmes not running optimally. Several programmes only run in the initial stage, even often stopping halfway due to limited operational support. To address these obstacles, the Cooperative AI Agent from Kooperasi.com emerges as a practical technology-based solution that supports cooperative operations nationwide without requiring large infrastructure investments or dependence on the number of human mentors. “If the old approach continues to be used, village cooperative programmes will continue to face the same problems. Our Cooperative AI Agent is designed as a real solution so that every cooperative can run as if it has a complete professional team working 24 hours without HR obstacles,” said a representative from Kooperasi.com in a press release received by Kompas.com on Tuesday (21/4/2026). Kooperasi.com is Indonesia’s first AI-based cooperative platform (Web 4.0) that integrates regulatory compliance, SAK EP accounting standards, and comprehensive business automation from upstream to downstream. Kooperasi.com brings a different approach by utilising artificial intelligence. Through the Cooperative AI Agent, every cooperative and BUMDes can now access a system that functions like a complete digital work team. The system is also designed to perform various important functions, from accounting based on SAK EP standards, financial analysis, data-based decision-making, to daily administrative operations and marketing. All processes run automatically with the advantages of 24-hour non-stop operations, real-time, standardised, and minimising human errors. Another main advantage offered by the Cooperative AI Agent is the ease of access that allows cooperative managers to utilise the services directly, simply by accessing via WhatsApp without needing a complex additional system.