{"id":530034,"date":"2022-08-05T17:45:10","date_gmt":"2022-08-05T10:45:10","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=530034"},"modified":"2022-08-05T18:12:58","modified_gmt":"2022-08-05T11:12:58","slug":"ojk-siap-mengatur-bunga-pinjaman-fintech-lending","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2022\/08\/05\/ojk-siap-mengatur-bunga-pinjaman-fintech-lending\/","title":{"rendered":"OJK Siap Mengatur Bunga Pinjaman Fintech Lending"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) tengah mengkaji akan menetapkan batas maksimal bunga pinjaman di <em>fintech P2P<\/em> lending atau pinjol.<\/p>\n<p style=\"text-align: justify;\">Penetapan batas maksimal bunga pinjaman di <em>fintech P2P Lending<\/em> diperlukan mengingat makin banyak perusahaan <em>fintech<\/em> yang memberikan pinjol dan bunganya bervariasi.<\/p>\n<p style=\"text-align: justify;\">Saat ini, asosiasi telah menurunkan maksimal bunga pinjaman menjadi 0,4% per hari, namun aturan resmi dari regulator memang belum ada.<\/p>\n<p style=\"text-align: justify;\">Deputi Komisioner Pengawas Industri Keuangan Non Bank (IKNB) II OJK Moch Ihsanuddin mengatakan bahwa pihaknya akan menetapkan angka pasti terkait batas maksimal bunga pinjaman. Tentunya dengan berdiskusi dengan para pelaku industrinya.<\/p>\n<h4 style=\"text-align: justify;\">\u201cTerkait penetapan angka, OJK akan menetapkan tetapi tidak gegabah. Kita akan diskusikan seberapa besar angka yang tepat,\u201d ujar Ihsanuddin, Kamis (4\/8).<\/h4>\n<p style=\"text-align: justify;\">Ia mengungkapkan saat ini OJK sendiri telah melakukan riset dengan melakukan perhitungan dengan data histori dari platform baik konsumtif maupun produktif. Hasilnya, bunga pinjaman yang pas tidak jauh dari yang sekarang disepakati yaitu maksimal 0,4% per hari dari sebelumnya 0,8% per hari. Range berkisar antara 0,3% sampai 0,46%.<\/p>\n<p style=\"text-align: justify;\">Ihsan melihat kisaran bunga tersebut juga telah memperhatikan kemampuan perusahaan agar bisa bertahan. Mengingat, ada risiko tinggi karena penyaluran pinjaman tak perlu tatap muka.<\/p>\n<p style=\"text-align: justify;\">Oleh karenanya, ia menyebut suku bunga pinjaman tersebut sebagai kompensasi atas biaya kemudahan dan kecepatan yang diberikan <em>fintech lending<\/em> dalam pelayanannya. Sekaligus, ia menegaskan bahwa bunga pinjaman saat ini juga masih kompetitif.<\/p>\n<p style=\"text-align: justify;\">\u201cJangan dilihat yang 0,4% perhari itu saja, karena yang untuk petani nelayan juga kompetitif, ada yang 10% pertahun,\u201d imbuhnya.<\/p>\n<p style=\"text-align: justify;\">Dengan rencana pengaturan bunga oleh regulator tersebut tampaknya semakin memberatkan para pelaku <em>fintech lending<\/em>. Sebab, beberapa waktu terakhir ada yang mengeluhkan terkait bunga pinjaman tersebut.<\/p>\n<h5><strong>Bagaimana tanggapan pelaku <em>fintech lending<\/em>?<\/strong><\/h5>\n<p style=\"text-align: justify;\">Chief of Marketing Maucash mengatakan bahwa bunga pinjaman yang berlaku saat ini menyebabkan <em>lender<\/em> tidak puas dengan imbal hasil yang didapat. \u201cLender ini tidak happy, apalagi risiko kan ada di mereka, sebagai pemberi pinjaman,\u201d ujarnya.<\/p>\n<p style=\"text-align: justify;\">Ia juga mengatakan bahwa dengan bunga pinjaman tersebut, pihaknya sangat terbatas dalam memberikan penyaluran pendanaan. Contohnya, pihaknya menghindari peminjam dari segmen yang tidak berpenghasilan tetap.<\/p>\n<p style=\"text-align: justify;\">Sementara itu, Business Development Manager Adakami Jonathan Kriss menyebut bahwa bunga 0,4% per hari memberikan dampak yang sigfinikan bagi operasional secara umum.<\/p>\n<p style=\"text-align: justify;\">Direktur Eksekutif Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) Kuseryansyah juga sependapat bahwa para pemain merasa keberatan dengan bunga pinjaman yang\u00a0 berlaku. Sebab, harus menyesuaikan dengan ekosistem pendukung, seperti asuransi, <em>credit scoring<\/em>, dan <em>e-KYC<\/em>.<\/p>\n<p style=\"text-align: justify;\">Hanya saja, Kus mengungkapkan untuk mengembalikan bunga pinjaman seperti semula tidak semudah itu. Kalaupun mau dinaikkan, Ia menyebut akan <em>segmented<\/em> atau tidak untuk keseluruhan dan belum dalam waktu dekat. \u201cMungkin pada kuartal IV-2022 kita baru lihat ada ruang untuk menaikkan secara <em>segmented<\/em>,\u201d ujarnya.<\/p>\n<p style=\"text-align: justify;\">Analis Vibiz Research Center menilai bahwa penetapan batas maksimal bunga pinjaman di <em>fintech P2P Lending <\/em>memang diperlukan. Hal ini mengingat makin banyak perusahaan <em>fintech<\/em> yang memberikan pinjol dan bunganya bervariasi.<\/p>\n<p style=\"text-align: justify;\">Lagipula, dengan adanya batas maksimal bunga pinjaman di <em>fintech P2P Lending<\/em> akan membantu <em>lender <\/em>untuk mengukur risiko yang dapat ditanggungnya.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) tengah mengkaji akan menetapkan batas maksimal bunga pinjaman di fintech P2P lending atau pinjol. Penetapan batas maksimal bunga pinjaman di fintech P2P Lending diperlukan mengingat makin banyak perusahaan fintech yang memberikan pinjol dan bunganya bervariasi. Saat ini, asosiasi telah menurunkan maksimal bunga pinjaman menjadi 0,4% [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":507009,"comment_status":"closed","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],"tags":[13473,11875,2805],"class_list":["post-530034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles-of-the-week","category-banking-insurance","tag-batas-maksimal-bunga-pinjaman","tag-fintech-p2p-lending","tag-ojk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Siap Mengatur Bunga Pinjaman Fintech Lending - 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