{"id":539288,"date":"2023-01-06T20:13:12","date_gmt":"2023-01-06T13:13:12","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=539288"},"modified":"2023-01-06T20:13:12","modified_gmt":"2023-01-06T13:13:12","slug":"bi-beri-kelonggaran-pengguna-kartu-kredit-wajib-tahu","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/01\/06\/bi-beri-kelonggaran-pengguna-kartu-kredit-wajib-tahu\/","title":{"rendered":"BI Beri Kelonggaran Pengguna Kartu Kredit Wajib Tahu"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Kartu kredit merupakan salah satu sistem pembayaran yang lazim digunakan masyarakat di seluruh dunia termasuk Indonesia. \u201cWah tagihan kartu kredit yang aku gunakan sudah keluar. Tapi, pendapatan dan usahaku masih baru pulih. Bagaimana, ya?&#8221;<\/p>\n<h5 style=\"text-align: justify;\">Mengeluhkan hal yang sama?<\/h5>\n<p style=\"text-align: justify;\">Efek domino dari pandemi mulai terasa. Dari kenaikan bahan pangan, Bahan Bakar Minyak (BBM), gas LPG, hingga tarif dasar listrik. Sebagai otoritas yang bertangungjawab dalam menjaga Stabilitas Sistem Keuangan (SSK), Bank Indonesia (BI) selalu mengamati pola konsumsi, utang. Dan pembayaran utang dari tiap individu agar ketahanan sistem keuangan Indonesia tetap kokoh dan stabil, termasuk penggunaan kartu kredit oleh masyarakat.<\/p>\n<p style=\"text-align: justify;\">Walau saat ini pengawasan mikro mengenai kartu kredit telah berada di tangan Otoritas Jasa Keuangan (OJK), namun, BI melalui kebijakannya. Terus memastikan penggunaan dan pembayaran kartu kredit agar tetap lancar sehingga tidak mengganggu stabilitas sistem keuangan.<\/p>\n<h5 style=\"text-align: justify;\">Untuk itu, BI pun mengambil langkah untuk memperpanjang kebijakan pelonggaran kebijakan terkait kartu kredit, yakni:<\/h5>\n<p style=\"text-align: justify;\">1. Mempertahankan batas maksimum suku bunga kartu kredit 1,75% per bulan.<\/p>\n<p style=\"text-align: justify;\">2. Memperpanjang masa berlaku kebijakan batas minimum pembayaran oleh pemegang kartu kredit 5% dari total tagihan. Dari semula 31 Desember 2022 menjadi 30 Juni 2023.<\/p>\n<p style=\"text-align: justify;\">3. Memperpanjang masa berlaku kebijakan nilai denda keterlambatan pembayaran kartu kredit sebesar 1% atau maksimal Rp100.000,00. Dari semula 31 Desember 2022 menjadi 30 Juni 2023.<\/p>\n<p style=\"text-align: justify;\">Pelonggaran yang diberikan BI ini diharapkan dapat memacu optimisme dan semangat untuk memulai kembali berbagai kegiatan ekonomi untuk menyongsong awal tahun baru. Hal ini sejalan juga dengan pencabutan status Pembatasan Sosial Berskala Besar (PSBB) oleh Pemerintah yang berarti terbukanya kembali mobilitas masyarakat untuk beraktivitas. Termasuk dalam menggeliatkan berbagai sektor usaha yang sempat melemah agar target pemulihan ekonomi nasional semakin nyata di 2023.<\/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 Kartu kredit merupakan salah satu sistem pembayaran yang lazim digunakan masyarakat di seluruh dunia termasuk Indonesia. \u201cWah tagihan kartu kredit yang aku gunakan sudah keluar. Tapi, pendapatan dan usahaku masih baru pulih. Bagaimana, ya?&#8221; Mengeluhkan hal yang sama? Efek domino dari pandemi mulai terasa. Dari kenaikan bahan pangan, Bahan [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":539289,"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":[13866,13865],"class_list":["post-539288","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-batas-minimum-pembayaran","tag-kartu-kredit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BI Beri Kelonggaran Pengguna Kartu Kredit Wajib Tahu - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Untuk itu, BI pun mengambil langkah untuk memperpanjang kebijakan pelonggaran kebijakan terkait kartu kredit, yakni:\" \/>\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\/2023\/01\/06\/bi-beri-kelonggaran-pengguna-kartu-kredit-wajib-tahu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BI Beri Kelonggaran Pengguna Kartu Kredit Wajib Tahu - 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