{"id":406585,"date":"2019-02-27T18:42:14","date_gmt":"2019-02-27T11:42:14","guid":{"rendered":"http:\/\/vibiznews.com\/?p=406585"},"modified":"2019-02-27T18:44:23","modified_gmt":"2019-02-27T11:44:23","slug":"perbankan-mulai-lirik-platform-digital-lending","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/02\/27\/perbankan-mulai-lirik-platform-digital-lending\/","title":{"rendered":"Perbankan Mulai Lirik Platform Digital Lending"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Maraknya perusahaan berbasis <em>fintech<\/em> (teknologi finansial\/tekfin) di negeri ini yang menawarkan pinjaman online atau dikenal <em>fintech peer-to peer lending<\/em> (<em>Fintech PTPL<\/em>) membuat perbankan mulai \u00a0melirik untuk merilis platform <em>digital lending<\/em> untuk mempertahankan pangsa pasar yang mulai disaingi oleh perusahaan teknologi. Karena dengan platform <em>digital lending<\/em> tersebut masyarakat dapat menikmati pinjaman dengan cepat, mudah dan tentu terpercaya dibandingkan dengan pengajuan kredit pinjaman tunai di perbankan pada umumnya yang memakan waktu lebih lama.<\/p>\n<p style=\"text-align: justify;\">Pada tanggal 23 Februari 2019 yang lalu PT Bank Rakyat Indonesia mulai merilis platform produk <em>digital lending<\/em> bernama Pinang (Pinjaman Tenang) yang menyediakan pinjaman <em>online<\/em> berbasis aplikasi. Menurut <em>Corporate Secretary\u00a0<\/em>AGRO Hirawan Nur Kustono, platform tersebut dibuat untuk memberikan kemudahan dan keamanan bagi masyarakat dalam melakukan pinjaman mengingat adanya keresahan masyarakat akhir-akhir ini karena banyaknya pinjaman <em>online<\/em> yang memberikan bunga tinggi yang berasal dari <em>fintech <\/em>ilegal yang belum mendapat ijin dari OJK.<\/p>\n<p style=\"text-align: justify;\">Kemudahan yang ditawarkan adalah melalui aplikasi Pinang, calon peminjam bisa mengunduh aplikasi, dan mengisi formulir dan prosesnya hanya memakan waktu 15 menit tanpa harus datang ke kantor cabang. Sementara dari segi suku bunga, plafon, hingga tenor Pinang menawarkan layanan yang cukup kompetitif dibandingkan dengan tekfin. Suku bunga yang ditawarkan sebesar 1,24% perbulan dengan plafon mulai dari Rp 500.000 hingga Rp 20.000.000, dan tenor mulai 1 bulan hingga 12 bulan.<\/p>\n<p style=\"text-align: justify;\">Saat ini prioritas layanan Pinang baru bisa dinikmati oleh nasabah BRI Agro, maupun induknya, PT Bank Rakyat Indonesia Tbk \u00a0yang memberikan pinjaman kepada rekening <em>payroll\u00a0<\/em>BRI dan BRI Agro yang telah bekerjasama untuk penggunaan Pinang. Sedangkan untuk non nasabah baru akan dipasarkan tahun 2020.<\/p>\n<p style=\"text-align: justify;\">Bank swasta yang juga sudah merilis platform <em>digital lending\u00a0<\/em>melalui Probiz Dana Anda di laman PDaja.com. Bedanya, produk dari Sampoerna ini masuk kategori kredit multiguna, sehingga calon peminjam perlu mengagunkan asetnya dalam bentuk properti. Kelebihan dari produk ini adalah dengan memasukkan properti yang akan diagunkan, calon peminjam dapat langsung mengetahui plafon pinjaman yang dapat diperolehnya, demikian penjelasan yang diperoleh dari <em>Corporate Communications &amp; Investor Relations Division Head\u00a0<\/em>Sampoerna Ridy Sudarma.<\/p>\n<p style=\"text-align: justify;\">Lain halnya dengan Bank DBS Indonesia\u00a0 yang menyediakan fitur pemberian kredit online \/digital lewat Digibank. Menurut salah seorang Vice President DBS Indonesia penyaluran kredit pinjaman tunai via Digibank dilakukan karena ingin memindahkan semua layanan cabang ke digital banking. Produk yang ditawarkan kredit dengan plafon Rp 10.000.000 dengan tenor 6 hingga 36 bulan dengan bunga berkisar 1,39% hingga 2,49% perbulan.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting Group<\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Maraknya perusahaan berbasis fintech (teknologi finansial\/tekfin) di negeri ini yang menawarkan pinjaman online atau dikenal fintech peer-to peer lending (Fintech PTPL) membuat perbankan mulai \u00a0melirik untuk merilis platform digital lending untuk mempertahankan pangsa pasar yang mulai disaingi oleh perusahaan teknologi. Karena dengan platform digital lending tersebut masyarakat dapat [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":404893,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[353],"tags":[8949],"class_list":["post-406585","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-perbankan-mulai-lirik-platform-digital-lending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Perbankan Mulai Lirik Platform Digital Lending - Vibiznews.com<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vibiznews.com\/index.php\/2019\/02\/27\/perbankan-mulai-lirik-platform-digital-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Perbankan Mulai Lirik Platform Digital Lending - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Maraknya perusahaan berbasis fintech (teknologi finansial\/tekfin) di negeri ini yang menawarkan pinjaman online atau dikenal fintech peer-to peer lending (Fintech PTPL) membuat perbankan mulai \u00a0melirik untuk merilis platform digital lending untuk mempertahankan pangsa pasar yang mulai disaingi oleh perusahaan teknologi. 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