🇮🇩 Indonesia法规

印尼加强清真寺合作社监管：经济赋能与合规新路径

来源：Kemenkumham · Kemenkumham Indonesia发布：2026/3/16

作者：东南亚合规中心编辑团队

TL;DR · 核心要点

印尼合作部正式推动清真寺附属合作社（MBCs）作为社区经济赋能核心载体，明确其在微金融、MSME支持、合法化经营及供应链整合中的法定角色。关键合规信息包括：1）须在Kemenkumham注册为合法合作社，并接受LPDB融资支持；2）须与DMI及宗教事务部协同制定区域发展路线图；3）鼓励对接Red & White Village Cooperatives零售网络；4）承担微型金融机构职能，须遵守《第25/1992号合作社法》及LPDB融资条款；5）需为成员MSME提供法人化通道以规避非法借贷风险。对企业的实际影响：中国及外资企业若参与清真寺经济生态（如供应链、金融科技、培训服务），须通过本地持牌合作社或与MCMI等认证机构合作，且所有融资与运营须符合Kemenkumham与LPDB联合监管框架。

✅ 合规行动清单 · Compliance Checklist

›立即核查拟合作的清真寺合作社是否已在Kemenkumham完成注册并持有有效合作社执照
›如提供供应链或金融服务，须与MCMI或经DMI认证的清真寺合作社签署书面合作协议，并报LPDB备案
›向印尼合作部（Kemenkumham）申请参与2024年Q3启动的‘清真寺合作社能力建设试点计划’（无截止日，建议6月前提交意向）

›Verify that any mosque-based cooperative partner is registered with Kemenkumham and holds a valid cooperative license before engagement.
›If supplying goods/services or offering financial technology solutions, formalize collaboration only with MCMI-certified or DMI-endorsed MBCs and notify LPDB of partnership scope.
›Submit expression of interest to Kemenkumham by June 2024 to join the national Mosque Cooperative Capacity Building Pilot Program launching Q3 2024.

English Summary

Indonesia’s Ministry of Cooperatives (Kemenkumham) is formalizing mosque-based cooperatives (MBCs) as licensed economic hubs to empower MSMEs, provide ethical microfinance, and integrate into national retail networks. Key compliance requirements: MBCs must register with Kemenkumham and comply with Law No. 25/1992 on Cooperatives; access to LPDB revolving funds requires adherence to its financing guidelines; collaboration with DMI and the Ministry of Religious Affairs is mandatory for roadmap development; MBCs acting as microfinance providers must avoid predatory lending and support MSME formalization. Foreign businesses engaging in supply chain partnerships, fintech integration, or capacity-building services must partner exclusively with Kemenkumham-registered MBCs or certified entities like MCMI. No statutory deadline is set yet, but pilot programs (e.g., Sunda Kelapa Mosque) are operational as of March 2024. Implications include mandatory due diligence on cooperative licensing status and alignment with LPDB-funded activity frameworks.

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常见问题解答

清真寺合作社是否具备独立法人资格？能否对外签约？+

是的。依据印尼《第25/1992号合作社法》，经Kemenkumham注册的清真寺合作社即取得独立法人地位，可依法签订合同、开立银行账户、申请贷款。但必须使用注册名称，且章程须明确体现‘清真寺关联性’与社区经济服务宗旨。

外资企业能否直接投资清真寺合作社？+

不能。根据现行法规，合作社股东须为印尼公民或依法注册的印尼实体。外资企业仅可通过技术合作、供应链协议或LPDB资助项目间接参与，不得持股或担任理事，否则将被Kemenkumham撤销注册。

清真寺合作社发放贷款是否需要OJK牌照？+

不需要单独OJK牌照，但若从事放贷活动，须严格遵循《第1/2023号金融包容性条例》及LPDB资金使用规范，利率上限为年化18%，且须向Kemenkumham季度报备放贷台账。

如何确认某清真寺合作社是否获得LPDB融资资质？+

登录LPDB官网（lpdb.co.id）→点击‘Daftar Mitra Terdanai’→输入合作社全名或NIB编号查询；或要求对方出示LPDB签发的《Surat Penugasan Pendanaan’编号文件，该文件须含Kemenkumham注册号与有效期。

中国企业在印尼清真寺经济中可开展哪些合规业务？+

可开展三类合规业务：1）向MCMI认证合作社供应清真认证日用消费品；2）为合作社提供ERP或数字记账SaaS系统（须通过Kemenkumham本地化适配认证）；3）与Red & White Village Cooperatives联合开展MSME电商培训——所有合作均须提前向Kemenkumham提交《跨境协作意向书》备案。

相关关键词

Indonesia mosque cooperativesKemenkumham regulationLPDB financingMCMI IndonesiaMSME formalization Indonesia

📄 官方原文参考（英文）点击展开

Jakarta (ANTARA) - Cooperatives Minister Ferry Juliantono highlighted his ministry's support for strengthening mosque-based cooperatives as centers for community economic turnover. While inaugurating the cooperative of the Indonesian Mosque-Loving Community (MCMI) at the Sunda Kelapa Mosque in Jakarta on Saturday (March 14), he emphasized that mosques should not only function as places of worship but also as hubs for community economic empowerment. He underlined in a press release on Sunday that the Ministry of Cooperatives is fully committed to mentoring, coaching, and providing financing access for mosque-based cooperatives. “The ministry's role is to develop cooperatives. We have the Revolving Fund Management Agency (LPDB) ready to help expand MCMI's cooperative activities,” he said. Juliantono expressed hope that MCMI could serve as a model for mosque-based cooperatives in other regions, following the success of Islamic boarding school-based cooperatives in East Java, which now hold trillions of rupiah in assets. To achieve this, he affirmed that the ministry is ready to collaborate with the Indonesian Mosque Council (DMI) and the Ministry of Religious Affairs to create a systematic roadmap for developing mosque-based cooperatives. Furthermore, he encouraged the mosque-based cooperatives to become producers of essential goods, which would then be marketed through the retail networks of Red and White Village Cooperatives. The minister also emphasized the role of mosque-based cooperatives as microfinance institutions that protect small business owners from illegal lending practices. According to him, many micro, small, and medium enterprises (MSMEs) near mosques still operate individually and are at risk of being marginalized because they lack formal business entities. In this regard, cooperatives serve as legal umbrellas that provide both access to capital and legal protection. General Chairman of the MCMI National Board, Wisnu Dewanto, added that the mosque ecosystem holds great potential for community empowerment. With approximately 900,000 mosques across Indonesia, he expressed his confidence that collaboration between ministries will deliver a significant impact. Dewanto noted that the MCMI's cooperative has assisted at least 100 MSME players around the Sunda Kelapa Mosque through collaboration with various partners. Related news: Minister urges village co-ops to absorb local produce Related news: Village cooperatives to support street vendors, MSMEs: MinisterTranslator: Shofi Ayudiana, Raka AdjiEditor: Arie Novarina Copyright © ANTARA 2026