{"id":414561,"date":"2019-06-14T19:24:05","date_gmt":"2019-06-14T12:24:05","guid":{"rendered":"http:\/\/vibiznews.com\/?p=414561"},"modified":"2019-06-14T19:24:05","modified_gmt":"2019-06-14T12:24:05","slug":"p2p-lending-melejit-63-ytd-ojk-optimalkan-peran-serta-fintech","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2019\/06\/14\/p2p-lending-melejit-63-ytd-ojk-optimalkan-peran-serta-fintech\/","title":{"rendered":"P2P Lending Melejit 63% ytd, OJK Optimalkan Peran Serta Fintech"},"content":{"rendered":"<p>(Vibiznews \u2013 Banking) &#8211; Ketua Dewan Komisioner Otoritas Jasa Keuangan (OJK) mengakui peran <em>fintech<\/em> yang dapat meningkatkan inklusi masyarakat ke sektor keuangan serta dapat meningkatkan laju perputaran (velositas) uang. Itu sebabnya, OJK ingin mengoptimalkan peran <em>fintech<\/em> layanan pinjam meminjam online (P2P <em>lending<\/em>) guna mendorong masyarakat menaruh uang di sistem keuangan.<\/p>\n<p>Wimboh menjelaskan, \u201cDengan teknologi, melalui uang elektronik dan sebagainya uang akan tetap berada di sektor perbankan dan akan menjangkau area pedesaan yang selama ini tidak terjangkau,&#8221; demikian disampaikannya di Gedung DPR, Kamis ini (13\/06).<\/p>\n<p>Data OJK menunjukkan bahwa penyaluran pinjaman <em>fintech<\/em> P2P <em>lending<\/em> terus melesat. Hingga awal Mei 2019, penyalurannya telah mencapai Rp8,2 triliun atau melejit 63 persen sejak awal tahun.<\/p>\n<p>Namun di sisi lain, rasio pinjaman macetnya juga meningkat. Tercatat OJK, rasio pinjaman macet akibat kelalaian penyelesaian kewajiban lebih dari 90 hari (TKB90) pada April 2019 sebesar 1,63 persen, turun dibandingkan posisi Maret 2019 sebesar 2,62 persen, namun masih naik dari posisi akhir tahun lalu yang ada di kisaran 1,5 persen.<\/p>\n<p>Menurut data OJK, untuk bulan Mei total perusahaan fintech P2P <em>lending<\/em> yang terdaftar mencapai 113 perusahaan yang terdiri dari 107 perusahaan konvensional dan 6 perusahaan syariah.<\/p>\n<p>&nbsp;<\/p>\n<p>Analis Vibiz Research Center melihat dengan melejitnya penyaluran pinjaman <em>fintech<\/em> P2P <em>lending, <\/em>yang sampai 63 persen <em>ytd<\/em>-nya, sepatutnya pula regulator lebih merangkul demi mengoptimumkan peranan <em>fintech<\/em> dalam inklusi keuangan masyarakat. Salah satu tantangan besarnya di sini, sebagaimana dialami juga sektor perbankan, adalah manajemen pinjaman bermasalah. Dari sisi perusahaan <em>fintech<\/em> adalah bagaimana menekan dan mengelola portfolio bermasalah. Di sisi lain, pihak konsumen perlu juga terproteksi dari aktivitas illegal dan praktek penagihan (<em>collection<\/em>) yang di luar etika.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Alfred Pakasi\/VBN\/MP Vibiz Consulting <\/em><\/p>\n<p><em>Editor: Asido<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking) &#8211; Ketua Dewan Komisioner Otoritas Jasa Keuangan (OJK) mengakui peran fintech yang dapat meningkatkan inklusi masyarakat ke sektor keuangan serta dapat meningkatkan laju perputaran (velositas) uang. Itu sebabnya, OJK ingin mengoptimalkan peran fintech layanan pinjam meminjam online (P2P lending) guna mendorong masyarakat menaruh uang di sistem keuangan. Wimboh menjelaskan, \u201cDengan teknologi, melalui [&hellip;]<\/p>\n","protected":false},"author":101011,"featured_media":65277,"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":[353,3],"tags":[],"class_list":["post-414561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>P2P Lending Melejit 63% ytd, OJK Optimalkan Peran Serta Fintech - 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\/06\/14\/p2p-lending-melejit-63-ytd-ojk-optimalkan-peran-serta-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"P2P Lending Melejit 63% ytd, OJK Optimalkan Peran Serta Fintech - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking) &#8211; Ketua Dewan Komisioner Otoritas Jasa Keuangan (OJK) mengakui peran fintech yang dapat meningkatkan inklusi masyarakat ke sektor keuangan serta dapat meningkatkan laju perputaran (velositas) uang. 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