{"id":411879,"date":"2019-05-13T18:57:59","date_gmt":"2019-05-13T11:57:59","guid":{"rendered":"http:\/\/vibiznews.com\/?p=411879"},"modified":"2019-05-13T19:02:33","modified_gmt":"2019-05-13T12:02:33","slug":"dalam-rangka-transparansi-ojk-wajibkan-penyelenggara-fintech-tampilkan-tkb90","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/05\/13\/dalam-rangka-transparansi-ojk-wajibkan-penyelenggara-fintech-tampilkan-tkb90\/","title":{"rendered":"Dalam Rangka Transparansi, OJK Wajibkan Penyelenggara Fintech Tampilkan TKB90"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) &#8211; Otoritas Jasa Keuangan terus mendorong pertumbuhan industri\u00a0<em>peer to peer lending\u00a0<\/em>atau\u00a0<em>fintech lending<\/em>\u00a0untuk peningkatan inklusi keuangan khususnya perluasan akses permodalan UMKM.<\/p>\n<p style=\"text-align: justify;\">Untuk mendukung secara penuh pendanaan UMKM, OJK memiliki dua pilihan yaitu mendorong\u00a0<em>fintech\u00a0lending<\/em>\u00a0meningkatkan kapasitas pendanaan produktif (kualitas) atau mendorong kemudahan pendaftaran\u00a0<em>fintech\u00a0lending<\/em>\u00a0produktif secara masif (kuantitas).<\/p>\n<p style=\"text-align: justify;\">Berbagai upaya penguatan\u00a0<em>fintech\u00a0lending<\/em>\u00a0juga sedang dilakukan<em>\u00a0<\/em>OJK untuk mendorong pertumbuhan industri\u00a0<em>fintech lending<\/em>\u00a0antara lain:<\/p>\n<ol style=\"text-align: justify;\">\n<li>Penyusunan peraturan teknis terkait pelaksanaan pendaftaran, perizinan, pengawasan, sistem\u00a0<em>monitoring online\u00a0fintech\u00a0lending,\u00a0<\/em>termasuk penggunaan E-KYC (<em>electronic know your custumer)<\/em>,\u00a0<em>bimoteric<\/em>,\u00a0<em>digital signature<\/em>, dan dokumen elektronik;<\/li>\n<li>Pengembangan kolaborasi antara industri jasa keuangan\u00a0<em>incumbent\u00a0<\/em>dengan penyelenggara\u00a0<em>fintech\u00a0lending <\/em>untuk membangun dan memperkuat ekosistem ekonomi digital;<\/li>\n<li>Pengembangan dialog yang berkelanjutan dan terbuka antara pemerintah, regulator, penyelenggara\u00a0<em>fintech\u00a0lending<\/em>dan asosiasi dalam rangka untuk meningkatkan kualitas regulasi\u00a0<em>fintech\u00a0lending<\/em>.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">Selain itu, untuk mengantisipasi perkembangan\u00a0<em>fintech lending<\/em>\u00a0yang sangat pesat, OJK bersama asosiasi industri\u00a0<em>fintech lending<\/em>\u00a0telah mengeluarkan ketentuan, di antaranya larangan untuk mengakses data pribadi digital pengguna selain yang didapatkan dari kamera,\u00a0<em>microphone,\u00a0<\/em>serta informasi lokasi pengguna.<\/p>\n<p style=\"text-align: justify;\">Kemudian, untuk meningkatkan transparansi, OJK telah mewajibkan penyelenggara untuk menyampaikan\u00a0<em>disclaimer\u00a0<\/em>risiko dari kegiatan\u00a0<em>fintech\u00a0lending<\/em>\u00a0yang memberikan edukasi ke publik untuk memahami risiko dalam memanfaatkan pinjaman\u00a0<em>fintech lending<\/em>.<\/p>\n<p style=\"text-align: justify;\">Dalam rangka transparansi, OJK telah meminta penyelenggara\u00a0<em>fintech\u00a0lending<\/em> atau seluruh entitas <em>peer to peer lending <\/em>(P2P) yang terdaftar dan diawasi regulator untuk menyampaikan informasi Tingkat Keberhasilan (TKB90) dalam penyelesaian kewajiban membayar pinjaman pada sistem elektronik Penyelenggara. TKB90 ini menunjukkan tingkat keberhasilan pembayaran pinjaman oleh\u00a0<em>borrower<\/em>\u00a0yang difasilitasi oleh penyelenggara\u00a0<em>fintech\u00a0lending.\u00a0<\/em>Semakin tinggi mendekati 100%, maka menunjukkan keberhasilan pembayaran pinjaman semakin baik. Kewajiban ini bertujuan untuk meningkatkan transparansi sekaligus membantu calon pemberi pinjaman (<em>lender<\/em>) untuk mengetahui risiko penempatan dananya.<\/p>\n<p style=\"text-align: justify;\">Direktur Pengaturan Perizinan dan Pengawasan Fintech OJK Hendrikus Passagi mengatakan, aturan ini diterapkan per April 2019. &#8220;P2P\u00a0<em>lending<\/em>\u00a0itu harus transparan, sehingga ketika pertama kali buka\u00a0<em>website<\/em>, pada\u00a0<em>layer<\/em>\u00a0pertama sebelah kanan ada TKB 90,&#8221; ujarnya beberapa waktu lalu.<\/p>\n<p style=\"text-align: justify;\">Menurut Hendrikus selama ini belum ada aturan batas bawah TKB 90. Diharapkan melalui aturan ini di mana ada kewajiban<em>\u00a0fintech<\/em>\u00a0untuk menampilkan tingkat keberhasilan pengembalian, maka calon pemberi pinjaman dapat mengetahui risiko penempatan dananya.<\/p>\n<p style=\"text-align: justify;\">Ia mencontohkan, bila sebuah entitas<em>\u00a0fintech<\/em>\u00a0P2P<em>\u00a0lending\u00a0<\/em>memiliki TBK 90 hanya 80% tapi imbal hasil atau bunganya lebih dari 50%, artinya ketidakberhasilan pembayaran sekitar 20%, tetapi bunga 50%, sehingga masih ada selisih keuntungan 30%.<\/p>\n<p style=\"text-align: justify;\">Sedangkan entitas lain, mungkin misalnya memiliki TKB 90 di posisi 100%, namun imbal hasilnya hanya 10%.\u00a0OJK mendorong <em>fintech<\/em> untuk transparan dan biarkan publik menentukan <em>fintech<\/em> pilihannya.<\/p>\n<p style=\"text-align: justify;\">Perlu diketahui, OJK mencatatkan TKB 90 P2P lending hingga Maret 2019 di level 97,38%. Nilai ini turun 117 basis poin dari posisi Desember 2018 di 98,55%. Adapun tingkat wanprestasi 90 hari sebesar 2,62% pada kuartal I-2019. Nilai ini turun dibandingkan posisi Februari 2019 di level 3,18%. Kendati demikian, posisi ini masih lebih tinggi dibanding akhir 2018 di posisi 1,45%.<\/p>\n<p style=\"text-align: justify;\">Hingga Maret 2019, P2P<em>\u00a0lending<\/em>\u00a0telah menyalurkan pinjaman senilai Rp 33,2 triliun. Nilai ini tumbuh 46,48% bila dibandingkan Desember 2018 senilai Rp 22,66 triliun.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting <\/em><\/p>\n<p><em>Editor : Asido Situmorang<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) &#8211; Otoritas Jasa Keuangan terus mendorong pertumbuhan industri\u00a0peer to peer lending\u00a0atau\u00a0fintech lending\u00a0untuk peningkatan inklusi keuangan khususnya perluasan akses permodalan UMKM. Untuk mendukung secara penuh pendanaan UMKM, OJK memiliki dua pilihan yaitu mendorong\u00a0fintech\u00a0lending\u00a0meningkatkan kapasitas pendanaan produktif (kualitas) atau mendorong kemudahan pendaftaran\u00a0fintech\u00a0lending\u00a0produktif secara masif (kuantitas). Berbagai upaya penguatan\u00a0fintech\u00a0lending\u00a0juga sedang dilakukan\u00a0OJK untuk mendorong [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":411883,"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":[],"class_list":["post-411879","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dalam Rangka Transparansi, OJK Wajibkan Penyelenggara Fintech Tampilkan TKB90 - 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\/05\/13\/dalam-rangka-transparansi-ojk-wajibkan-penyelenggara-fintech-tampilkan-tkb90\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dalam Rangka Transparansi, OJK Wajibkan Penyelenggara Fintech Tampilkan TKB90 - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking &amp; Insurance) &#8211; Otoritas Jasa Keuangan terus mendorong pertumbuhan industri\u00a0peer to peer lending\u00a0atau\u00a0fintech lending\u00a0untuk peningkatan inklusi keuangan khususnya perluasan akses permodalan UMKM. Untuk mendukung secara penuh pendanaan UMKM, OJK memiliki dua pilihan yaitu mendorong\u00a0fintech\u00a0lending\u00a0meningkatkan kapasitas pendanaan produktif (kualitas) atau mendorong kemudahan pendaftaran\u00a0fintech\u00a0lending\u00a0produktif secara masif (kuantitas). 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