{"id":540050,"date":"2023-01-20T17:54:29","date_gmt":"2023-01-20T10:54:29","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=540050"},"modified":"2023-01-20T17:59:47","modified_gmt":"2023-01-20T10:59:47","slug":"survei-perbankan-triwulan-iv-2022-penyaluran-kredit-baru-tumbuh-positif","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/01\/20\/survei-perbankan-triwulan-iv-2022-penyaluran-kredit-baru-tumbuh-positif\/","title":{"rendered":"Survei Perbankan Triwulan IV 2022: Penyaluran Kredit Baru Tumbuh Positif"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Survei Perbankan Bank Indonesia mengindikasikan penyaluran kredit baru pada triwulan IV 2022 tumbuh positif. Hal ini terindikasi dari nilai Saldo Bersih Tertimbang (SBT) kredit baru sebesar 86,3%. Tetap kuat meski lebih rendah dibandingkan triwulan sebelumnya sebesar 88,1%.<\/p>\n<p style=\"text-align: justify;\">Pertumbuhan kredit baru terindikasi terjadi pada seluruh jenis kredit, tercermin dari nilai SBT yang seluruhnya tercatat positif.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Penyaluran Kredit Baru Triwulan I 2023<\/strong><\/h5>\n<p style=\"text-align: justify;\">Pada triwulan I 2023, penyaluran kredit baru diprakirakan tumbuh lebih tinggi, terindikasi dari SBT prakiraan penyaluran kredit baru sebesar 88,3%. Lebih tinggi dibandingkan 86,3% pada triwulan sebelumnya. Prioritas utama responden dalam penyaluran kredit baru triwulan I 2023 adalah kredit modal kerja, diikuti oleh kredit investasi dan kredit konsumsi.<\/p>\n<h5 style=\"text-align: justify;\"><strong>Kebijakan Penyaluran Kredit<\/strong><\/h5>\n<p style=\"text-align: justify;\">Standar penyaluran kredit pada triwulan I 2023 diprakirakan sedikit lebih longgar dibandingkan periode sebelumnya. Hal ini terindikasi dari <em>Indeks Lending Standard<\/em> (ILS) negatif sebesar -0,5%, sedikit lebih rendah dibandingkan 0,0% pada triwulan sebelumnya.<\/p>\n<p style=\"text-align: justify;\">Kebijakan penyaluran kredit diprakirakan lebih longgar, antara lain pada aspek jangka waktu dan biaya persetujuan kredit. Dan terjadi terutama pada jenis kredit modal kerja dan KPR<\/p>\n<p style=\"text-align: justify;\">Hasil survei menunjukkan responden tetap optimis terhadap pertumbuhan kredit ke depan. Responden memprakirakan pertumbuhan kredit pada 2023 sebesar 8,9% (yoy).<\/p>\n<h5 style=\"text-align: justify;\"><strong>Prakiraan DPK<\/strong><\/h5>\n<p style=\"text-align: justify;\">Pertumbuhan DPK sampai dengan akhir tahun 2023 diprakirakan masih cukup tinggi. Hal ini tercermin dari SBT prakiraan penghimpunan DPK tahun 2023 yang tercatat sebesar 59,3%. Bernilai positif meski lebih rendah dibandingkan SBT 82,1% pada tahun sebelumnya<\/p>\n<p style=\"text-align: justify;\">Analis Vibiz Research Center melihat bahwa penyaluran kredit akan meningkat pada triwulan I 2023. Hal ini terindikasi dari penyaluran kredit baru 88,3% lebih tinggi dibandingkan 86,3% pada triwulan sebelumnya.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.vibiznews.com\/2023\/01\/20\/intermediasi-perbankan-pada-2022-terus-meningkat-dan-diprakirakan-berlanjut-pada-2023\/\">Hal ini disebabkan oleh fungsi intermediasi perbankan pada 2022 terus meningkat dan diprakirakan berlanjut pada tahun 2023.<\/a> Pertumbuhan kredit perbankan pada Desember 2022 tumbuh 11,35% (yoy), lebih tinggi dibandingkan dengan pertumbuhan tahun sebelumnya sebesar 5,24% (yoy). Peningkatan pertumbuhan kredit terjadi merata pada seluruh sektor ekonomi dan seluruh jenis kredit terutama Kredit Investasi dan Kredit Modal Kerja.<\/p>\n<p style=\"text-align: justify;\">Perbaikan intermediasi perbankan didukung sisi penawaran kredit sejalan likuiditas perbankan yang memadai dan standar penyaluran kredit\/pembiayaan yang longgar. Permintaan kredit juga meningkat sejalan kinerja korporasi dan konsumsi rumah tangga yang membaik yang mendorong kenaikan permintaan pembiayaan.<\/p>\n<p style=\"text-align: justify;\">Meskipun demikian kondisi ekonomi global dan tekanan inflasi tetap harus diwaspadai.<\/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 Survei Perbankan Bank Indonesia mengindikasikan penyaluran kredit baru pada triwulan IV 2022 tumbuh positif. Hal ini terindikasi dari nilai Saldo Bersih Tertimbang (SBT) kredit baru sebesar 86,3%. Tetap kuat meski lebih rendah dibandingkan triwulan sebelumnya sebesar 88,1%. Pertumbuhan kredit baru terindikasi terjadi pada seluruh jenis kredit, tercermin dari nilai [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":298577,"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":[353,3011],"tags":[13449,11267,13894],"class_list":["post-540050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-news-insight","tag-dpk","tag-indeks-lending-standard-ils","tag-penyaluran-kredit-baru"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Survei Perbankan Triwulan IV 2022: Penyaluran Kredit Baru Tumbuh Positif - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Survei Perbankan Bank Indonesia mengindikasikan penyaluran kredit baru pada triwulan IV 2022 tumbuh positif. 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