{"id":430553,"date":"2020-01-17T10:49:30","date_gmt":"2020-01-17T03:49:30","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=430553"},"modified":"2020-01-17T10:55:22","modified_gmt":"2020-01-17T03:55:22","slug":"kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/","title":{"rendered":"Kredit Baru Akhir 2019 Meningkat, Dipicu Kredit Investasi dan Konsumsi"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking) &#8211; Survei Perbankan Bank Indonesia (BI) terbaru mengindikasikan pertumbuhan triwulanan kredit baru meningkat pada triwulan IV-2019 dan diprakirakan melambat pada triwulan I-2020.<\/p>\n<p style=\"text-align: justify;\">Perkembangan tersebut tercermin dari saldo bersih tertimbang (SBT) permintaan kredit baru pada triwulan IV-2019 sebesar 70,6%, lebih tinggi dibandingkan 68,3% pada triwulan sebelumnya namun lebih rendah dari 71,7% pada triwulan IV-2018, demikian rilis data yang berasal dari Departemen Statistik BI Kamis (16\/01).<\/p>\n<p style=\"text-align: justify;\">\u201cBerdasarkan jenis penggunaan, meningkatnya permintaan kredit baru bersumber dari kredit investasi dan kredit konsumsi. Pada triwulan I-2020 kredit baru diprakirakan tumbuh melambat. Perlambatan dimaksud ditengarai sejalan dengan masih melambatnya aktivitas perekonomian\u201d tambah catatan Departemen Komunikasi BI.<\/p>\n<p>&nbsp;<\/p>\n<figure id=\"attachment_430559\" aria-describedby=\"caption-attachment-430559\" style=\"width: 642px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-430559 size-full\" src=\"https:\/\/www.vibiznews.com\/wp-content\/uploads\/2020\/01\/Kredit-bank-Kw-4-2019.png\" alt=\"\" width=\"642\" height=\"194\" srcset=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2020\/01\/Kredit-bank-Kw-4-2019.png 642w, https:\/\/vibiznews.com\/wp-content\/uploads\/2020\/01\/Kredit-bank-Kw-4-2019-600x181.png 600w, https:\/\/vibiznews.com\/wp-content\/uploads\/2020\/01\/Kredit-bank-Kw-4-2019-300x91.png 300w\" sizes=\"auto, (max-width: 642px) 100vw, 642px\" \/><figcaption id=\"caption-attachment-430559\" class=\"wp-caption-text\">Sumber: BI, Jan 2020<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Sejalan dengan prakiraan melambatnya pertumbuhan kredit baru, kebijakan penyaluran kredit pada triwulan I-2020 diprakirakan lebih ketat, terindikasi dari Indeks Lending Standard (ILS) sebesar 12,8%, lebih tinggi dibandingkan 10,6% pada triwulan sebelumnya. Pengetatan standar penyaluran kredit terutama akan dilakukan untuk jenis kredit investasi, kredit modal kerja, dan kredit UMKM, dengan aspek kebijakan penyaluran kredit yang akan diperketat yaitu jangka waktu kredit dan persyaratan administrasi.<\/p>\n<p style=\"text-align: justify;\">Selanjutnya, BI menyebutkan bahwa hasil survei mengindikasikan responden tetap optimis terhadap pertumbuhan kredit untuk keseluruhan tahun 2020. Responden memprakirakan pertumbuhan kredit pada 2020 sebesar 9,4% (yoy). Optimisme tersebut antara lain didorong oleh ekspektasi responden bahwa risiko penyaluran kredit dan rasio kecukupan modal yang relatif terjaga.<\/p>\n<p style=\"text-align: justify;\">Analis Vibiz Research Center melihat penambahan kredit baru yang di antaranya dipicu kredit investasi sebagai indikasi dunia bisnis yang terus bergerak maju, terutama setelah isyu politik pemilu tuntas. Tentang prakiraan triwulan I 2010 yang yang akan melambat pertumbuhannya, itu merupakan siklus normal tahunan. Hanya saja prakiraannya agak dalam tempo pelambatannya. Itu akan diuji lagi data riilnya nanti.<\/p>\n<p style=\"text-align: justify;\"><em>\u00a0<\/em><\/p>\n<p style=\"text-align: justify;\"><em>Alfred Pakasi\/VBN\/MP Vibiz Consulting<\/em><\/p>\n<p style=\"text-align: justify;\"><em>Editor: Asido<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking) &#8211; Survei Perbankan Bank Indonesia (BI) terbaru mengindikasikan pertumbuhan triwulanan kredit baru meningkat pada triwulan IV-2019 dan diprakirakan melambat pada triwulan I-2020. Perkembangan tersebut tercermin dari saldo bersih tertimbang (SBT) permintaan kredit baru pada triwulan IV-2019 sebesar 70,6%, lebih tinggi dibandingkan 68,3% pada triwulan sebelumnya namun lebih rendah dari 71,7% pada triwulan [&hellip;]<\/p>\n","protected":false},"author":101011,"featured_media":312849,"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":[27,353,29,3],"tags":[],"class_list":["post-430553","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles-of-the-week","category-banking-insurance","category-economy-business","category-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredit Baru Akhir 2019 Meningkat, Dipicu Kredit Investasi dan Konsumsi - 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\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit Baru Akhir 2019 Meningkat, Dipicu Kredit Investasi dan Konsumsi - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking) &#8211; Survei Perbankan Bank Indonesia (BI) terbaru mengindikasikan pertumbuhan triwulanan kredit baru meningkat pada triwulan IV-2019 dan diprakirakan melambat pada triwulan I-2020. Perkembangan tersebut tercermin dari saldo bersih tertimbang (SBT) permintaan kredit baru pada triwulan IV-2019 sebesar 70,6%, lebih tinggi dibandingkan 68,3% pada triwulan sebelumnya namun lebih rendah dari 71,7% pada triwulan [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/\" \/>\n<meta property=\"og:site_name\" content=\"Vibiznews.com\" \/>\n<meta property=\"article:published_time\" content=\"2020-01-17T03:49:30+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-01-17T03:55:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2016\/09\/perbankan-indonesia2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"720\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alfred Pakasi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alfred Pakasi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/\",\"url\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/\",\"name\":\"Kredit Baru Akhir 2019 Meningkat, Dipicu Kredit Investasi dan Konsumsi - Vibiznews.com\",\"isPartOf\":{\"@id\":\"https:\/\/vibiznews.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2016\/09\/perbankan-indonesia2.jpg\",\"datePublished\":\"2020-01-17T03:49:30+00:00\",\"dateModified\":\"2020-01-17T03:55:22+00:00\",\"author\":{\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/4119de7dc5602d73054dba34b06d8fd1\"},\"breadcrumb\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/#primaryimage\",\"url\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2016\/09\/perbankan-indonesia2.jpg\",\"contentUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2016\/09\/perbankan-indonesia2.jpg\",\"width\":720,\"height\":400,\"caption\":\"Survei Perbankan Triwulan I 2023\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2020\/01\/17\/kredit-baru-akhir-2019-meningkat-dipicu-kredit-investasi-dan-konsumsi\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vibiznews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Kredit Baru Akhir 2019 Meningkat, Dipicu Kredit Investasi dan Konsumsi\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/vibiznews.com\/#website\",\"url\":\"https:\/\/vibiznews.com\/\",\"name\":\"Vibiznews.com\",\"description\":\"Berita Bisnis | Berita Komoditi | Berita Saham\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/vibiznews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/4119de7dc5602d73054dba34b06d8fd1\",\"name\":\"Alfred Pakasi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/bdb73850e7abfcbd46a9e4776116b51f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/bdb73850e7abfcbd46a9e4776116b51f?s=96&d=mm&r=g\",\"caption\":\"Alfred Pakasi\"},\"description\":\"Alfred is the Managing Partner of Vibiz Consulting. 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