{"id":531503,"date":"2022-08-24T23:33:52","date_gmt":"2022-08-24T16:33:52","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=531503"},"modified":"2022-08-24T23:33:52","modified_gmt":"2022-08-24T16:33:52","slug":"bunga-acuan-naik-apa-dampaknya-bagi-perbankan","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2022\/08\/24\/bunga-acuan-naik-apa-dampaknya-bagi-perbankan\/","title":{"rendered":"Bunga Acuan Naik, Apa Dampaknya Bagi Perbankan?"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Kenaikan suku bunga acuan Bank Indonesia (BI) 25 basis poin ke level 3,75% tentunya akan berdampak bagi perbankan.<\/p>\n<p style=\"text-align: justify;\"><strong>Apa saja dampaknya?<\/strong><\/p>\n<h5 style=\"text-align: justify;\">Menurut penulis, dengan kenaikan suku bunga acuan ini akan memberikan dampak bagi industri perbankan jangka panjang. Hal ini akan meningkatkan persaingan himpunan dana pihak ketiga (DPK) perbankan. Terutama bagi bank kecil yang likuiditasnya tidak selonggar bank besar.<\/h5>\n<p style=\"text-align: justify;\">Perbankan akan langsung mengerek suku bunga DPK khususnya deposito. Sedangkan untuk suku bunga kredit tidak akan langsung naik tingkat suku bunganya. Namun setelah itu, bank juga akan menghitung kenaikan suku bunga kredit, karena bank harus mendapatkan margin yang pas menutup biaya dana yang dikeluarkan untuk liabilitas dari DPK.<\/p>\n<p style=\"text-align: justify;\">Gubernur BI Perry Warjiyo mengatakan, meski terjadi kenaikan BI Rate 25 bps, dia tetap optimistis penyaluran kredit masih akan terus meningkat. Sebab, penawaran dan permintaan kredit masih kuat. Misalnya, rasio Alat Likuid terhadap Dana Pihak Ketiga (AL\/DPK) masih tinggi mencapai 27,92%, sehingga penawaran bank tinggi.<\/p>\n<p style=\"text-align: justify;\">Faktor lain, lending standar (<em>risk appetite<\/em>) atau keinginan bank salurkan kredit terus naik. Ketiga, inisiatif dari pemerintah dan regulator terus bergulir. Dari sisi permintaan, kinerja korporasi dan rumah tangga. Sebagian besar korporasi itu itu sudah jauh membaik, korporasi penjualannya cukup tinggi.<\/p>\n<p style=\"text-align: justify;\">\u201cBahkan ada rencana peningkatan belanja modal terus naik. Walau masih ada sektor yang baru tumbuh yg dipengaruhi mobilitas seperti perhotelan dan transportasi, tapi sektor lain seperti ekspor, makanan dan minuman, dan perdagangan sudah cukup membaik. Begitupun permintaan kredit UMKM terus meningkat,\u201d jelas Perry.<\/p>\n<h5><strong>Bagaimana Respons Bank?<\/strong><\/h5>\n<p style=\"text-align: justify;\">PT Bank Oke Indonesia Tbk menyatakan tidak akan merespon kenaikan suku bunga acuan, namun akan memperhatikan perkembangan pasar. Wakil Direktur Utama Bank Oke Hendra Lie mengakui, pada paruh pertama 2022, kredit bank masih mampu tumbuh 27%.Bank Oke tetap menyasar segmen UMKM dan komsersial, dengan sektor food and beverage, healthcare, logistik dan telekomunikasi hingga akhir 2022.<\/p>\n<p style=\"text-align: justify;\">Bank Oke sudah menyalurkan kredit senilai Rp 7,07 triliun hingga Juli 2022. Naik 45,77% secara tahunan dibandingkan Juli 2021 sebesar Rp 4,85 triliun. Ia optimis, kredit bisa menyentuh Rp 8 triliun di penghujung tahun. (Sumber: Kontan, Rabu 24\/8)<\/p>\n<p style=\"text-align: justify;\">Lain halnya dengan PT Bank Ina Perdana Tbk (BINA) yang akan mengkaji kenaikan suku bunga BI terhadap bunga simpanan dan pinjaman. \u201cIni tidak akan mengganggu terhadap permintaan kredit dan net interest margin bank selama ekonomi masih bertumbuh. Tentunya permohonan kredit modal kerja akan meningkat,\u201d ujar Direktur Utama Bank Ina Perdana Daniel Budirahayu.<\/p>\n<h5 style=\"text-align: justify;\">Begitupun dengan bank besar yang masih optimis penyaluran kredit masih akan mampu tumbuh optimal. Sekretaris Perusahaan BRI Aestika Oryza Gunarto menyatakan perubahan suku bunga bank sentral diproyeksikan tidak akan berpengaruh besar terhadap pertumbuhan kredit.<\/h5>\n<p style=\"text-align: justify;\">\u201cMengingat suku bunga kredit bukan satu-satunya variabel untuk meningkatkan pertumbuhan kredit nasional. Berdasarkan perhitungan model ekonometrika, variabel paling sensitif atau elastisitasnya paling tinggi terhadap pertumbuhan kredit adalah konsumsi rumah tangga dan daya beli masyarakat,\u201d ujar Aestika.<\/p>\n<p style=\"text-align: justify;\">BRI tetap optimistis mampu menumbuhkan kredit di kisaran 9% hingga 11% yoy hingga akhir tahun 2022. Hingga saat ini, Aestika mengatakan BRI tidak merevisi pertumbuhan yang ditetapkan pada awal tahun. Seiring dengan itu, BRI optimistis net interest margin dapat menjaga di kisaran 7,7% hingga 7,9%.<\/p>\n<p style=\"text-align: justify;\">Sementara itu, respons dari PT Bank Central Asia Tbk akan mengkaji dampak kenaikan suku bunga BI 7days Reverse Repo Rate. Direktur Keuangan BCA Vera Eve Lim menyatakan juga akan menyiapkan strategi yang tepat terkait langkah yang ditempuh bank sentral tersebut. Ia menyatakan kepada media, ini dilakukan guna senantiasa memberikan nilai tambah dan layanan yang optimal bagi segenap nasabah dan masyarakat.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Kenaikan suku bunga acuan Bank Indonesia (BI) 25 basis poin ke level 3,75% tentunya akan berdampak bagi perbankan. Apa saja dampaknya? Menurut penulis, dengan kenaikan suku bunga acuan ini akan memberikan dampak bagi industri perbankan jangka panjang. Hal ini akan meningkatkan persaingan himpunan dana pihak ketiga (DPK) perbankan. Terutama [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":531415,"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":[353],"tags":[13528,13449],"class_list":["post-531503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-al-dpk","tag-dpk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bunga Acuan Naik, Apa Dampaknya Bagi Perbankan? - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Kenaikan suku bunga acuan Bank Indonesia (BI) 25 basis poin ke level 3,75% tentunya akan berdampak bagi perbankan.\" \/>\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\/2022\/08\/24\/bunga-acuan-naik-apa-dampaknya-bagi-perbankan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bunga Acuan Naik, Apa Dampaknya Bagi Perbankan? 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