{"id":542887,"date":"2023-02-22T17:03:38","date_gmt":"2023-02-22T10:03:38","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=542887"},"modified":"2023-03-03T15:10:16","modified_gmt":"2023-03-03T08:10:16","slug":"ini-tips-umkm-perkuat-modal-lewat-kredit","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/02\/22\/ini-tips-umkm-perkuat-modal-lewat-kredit\/","title":{"rendered":"Ini Tips UMKM Perkuat Modal Lewat Kredit"},"content":{"rendered":"<p>(Vibiznews &#8211; Bond &amp; Mutual) Jelang Ramadan, konsumsi rumah tangga diprediksi meningkat. Salah satunya tecermin dari Survei Penawaran dan Permintaan Pembayaran Perbankan Januari 2023 yang dirilis oleh Bank Indonesia. Pembiayaan dan kredit rumah tangga tercatat mengalami peningkatan pada Januari 2023 sebesar 10,6% meningkat sedikit dibanding bulan sebelumnya sebesar 9,5%.<\/p>\n<p>Melihat tingkat konsumsi rumah tangga yang meningkat, IdScore mencoba mengangkat fenomena ini dengan mengajak para pemilik usaha untuk melakukan antisipasi dan memperkuat bisnis melalui webinar talkshow Kini Paham Kredit #5 yang bertajuk \u201cRamadan &amp; Hari Raya Mendekat, Bisnis Perlu Diperkuat\u201d yang diselenggarakan oleh IdScore pada Rabu, (22\/02).<\/p>\n<p>Bareyn Mochaddin, <em>Financial Planner <\/em>menjelaskan, kredit dapat menjadi salah satu jalan untuk mendapatkan modal. Menurutnya, UMKM tidak perlu menjadikan kredit sebagai hal yang menakutkan, selama kredit tersebut ditujukan untuk tujuan yang tepat dan memiliki kemampuan bayar. <em>\u201cSebelum mengajukan kredit, perlu mempertimbangkan K3 agar yakin diantaranya kemauan tinggi untuk mengembangkan usaha, kesempatan untuk melebarkan sayap usaha, dan kemampuan bayar yang dihasilkan dari usaha.\u201d<\/em><\/p>\n<p>IdScore berbagi tips kepada pelaku UMKM untuk mendapatkan kemudahan dalam mengajukan pinjaman. Wahyu Trenggono, Direktur IdScore menjelaskan bahwa skor kredit menjadi salah satu tolak ukur penting yang digunakan lembaga keuangan sebelum menyetujui pinjaman UMKM.<\/p>\n<p><em>\u201dLembaga keuangan akan mengecek terlebih dulu skor kredit dan riwayat kredit dari calon debitur. Nasabah yang tergolong high risk atau memiliki skor kredit rendah akan lebih sulit untuk mendapatkan persetujuan dibandingkan nasabah dengan low risk. Skor kredit juga dapat menjadi salah satu faktor besaran bunga yang diberikan oleh lembaga keuangan, semakin baik skor yang dimiliki, ada peluang untuk mendapatkan bunga pinjaman lebih rendah,\u201d jelas Wahyu.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews &#8211; Bond &amp; Mutual) Jelang Ramadan, konsumsi rumah tangga diprediksi meningkat. Salah satunya tecermin dari Survei Penawaran dan Permintaan Pembayaran Perbankan Januari 2023 yang dirilis oleh Bank Indonesia. Pembiayaan dan kredit rumah tangga tercatat mengalami peningkatan pada Januari 2023 sebesar 10,6% meningkat sedikit dibanding bulan sebelumnya sebesar 9,5%. Melihat tingkat konsumsi rumah tangga yang [&hellip;]<\/p>\n","protected":false},"author":101047,"featured_media":542888,"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":[179],"tags":[],"class_list":["post-542887","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-mutual"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ini Tips UMKM Perkuat Modal Lewat Kredit - 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\/2023\/02\/22\/ini-tips-umkm-perkuat-modal-lewat-kredit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ini Tips UMKM Perkuat Modal Lewat Kredit - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews &#8211; Bond &amp; Mutual) Jelang Ramadan, konsumsi rumah tangga diprediksi meningkat. 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