{"id":543930,"date":"2023-03-17T15:29:21","date_gmt":"2023-03-17T08:29:21","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=543930"},"modified":"2023-03-17T15:29:21","modified_gmt":"2023-03-17T08:29:21","slug":"sinergi-lembaga-pemeringkat-kredit-dorong-pembiayaan-umkm","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/03\/17\/sinergi-lembaga-pemeringkat-kredit-dorong-pembiayaan-umkm\/","title":{"rendered":"Sinergi Lembaga Pemeringkat Kredit Dorong Pembiayaan UMKM"},"content":{"rendered":"

(Vibiznews \u2013 Banking & Insurance) \u2013 UMKM merupakan salah satu tulang punggung pertumbuhan ekonomi Indonesia, sehingga pemerintah memandang perlu untuk meningkatkan pembiayaan UMKM. Dan salah satu unsur penting dalam pembiayaan kredit adalah informasi kinerja debitur.<\/p>\n

Otoritas Jasa Keuangan (OJK) mendorong dilakukannya sinergi antara Lembaga Pengelola Informasi Perkreditan (LPIP) dan Innovative Credit Scoring<\/em> (ICS). Hal ini untuk semakin memperluas informasi kinerja debitur yang bisa meningkatkan pembiayaan kredit khususnya bagi UMKM.<\/h5>\n

Demikian disampaikan Kepala Eksekutif Pengawas Perasuransian, Penjaminan dan Dana Pensiun Ogi Prastomiyono dalam seminar internasional “Sinergi Lembaga Pengelola Informasi Perkreditan (LPIP). Dan Innovative Credit Scoring<\/em> (ICS) dalam Mendorong Peningkatan Inklusi Keuangan” yang digelar OJK di Bali, Kamis.<\/p>\n

“Perkembangan teknologi informasi telah melahirkan berbagai lembaga Innovative Credit Scoring<\/em> (ICS). Sehingga ke depan diperlukan segera adanya sinergi antara LPIP dan ICS. Ini untuk semakin memperluas informasi kredit khususnya untuk mendorong pembiayaan UMKM,” kata Ogi.<\/p>\n

Di Indonesia, layanan Credit Scoring<\/em> Indonesia disediakan oleh dua jenis entitas, yaitu Lembaga Pengelola Informasi Perkreditan (LPIP) sebagai Biro Kredit Konvensional. Dan penyedia Innovative Credit Scoring<\/em> (ICS). Biro Kredit Konvensional menyediakan laporan dan credit scoring berdasarkan data kredit tradisional. Misalnya seperti riwayat pembayaran pinjaman dan utang yang belum lunas.<\/p>\n

Saat ini ada tiga LPIP yang berizin OJK, yaitu PT Kredit Biro Indonesia Jaya, PT PEFINDO Biro Kredit. Dan PT CRIF Lembaga Informasi Keuangan.<\/h5>\n

Salah satu tujuan utama Biro Kredit adalah mengurangi risiko kredit. Yaitu dengan memberikan informasi yang lebih banyak kepada pemberi pinjaman tentang kelayakan kredit peminjam. Selain itu, Biro Kredit juga bermanfaat bagi peminjam dengan memungkinkan mereka membangun riwayat kredit. Dan meningkatkan credit scoring<\/em> mereka dari waktu ke waktu.<\/p>\n

Di sisi lain, ICS adalah bentuk credit scoring<\/em> yang lebih baru yang menggunakan sumber data alternatif untuk menilai kelayakan kredit. Seperti aktivitas media sosial, transaksi online, dan penggunaan ponsel.<\/p>\n

ICS disediakan oleh perusahaan fintech<\/em> dan bertujuan untuk memberikan akses kredit kepada individu dan entitas bisnis. Yang mungkin tidak memiliki riwayat kredit tradisional atau akses kredit yang terbatas.<\/p>\n

Keberadaan ICS telah membantu perkembangan fintech peer to peer lending<\/em> yang sampai Januari 2023. Terdapat 102 fintech<\/em> P2P lending<\/em> yang berizin dan menawarkan kemampuan untuk menyederhanakan proses pinjaman. Terutama bagi mereka yang memiliki akses terbatas ke bank tradisional. Dengan penerapan inovasi IT, pencairan pinjaman dapat dilakukan dengan cepat dan mudah.<\/p>\n

Selain fintech P2P lending,<\/em> OJK juga mengelola dan mengatur keberadaan Inovasi Keuangan Digital (IKD) yang pada Januari 2023. Jadi tercatat ada 97 IKD di OJK dan diklasifikasikan ke dalam 15 kelompok model bisnis, termasuk ICS.<\/h5>\n

Selain Ogi Prastomiyono, hadir dalam seminar dua hari ini Wakil Ketua Dewan Komisioner OJK Mirza Adityaswara. Dan Wakil Menteri Keuangan Suahasil Nazara serta sejumlah pembicara lain termasuk regulator keuangan dari Korea Selatan, Mesir, dan Malaysia. Turut serta asosiasi dari sektor perbankan, asuransi, pembiayaan, fintech, dan informasi kredit, baik domestik maupun internasional.<\/p>\n

Kegiatan seminar internasional ini juga sejalan dengan peran Indonesia sebagai tuan rumah KTT ASEAN 2023. Yang menekankan pentingnya ASEAN dalam perekonomian global dengan tema “ASEAN Matters: Epicentrum of Growth<\/em>“. Indonesia dapat memanfaatkan pengalaman dalam mempromosikan inklusi keuangan melalui pemanfaatan skoring kredit di sektor jasa keuangan. Tentunya dengan tetap memastikan perlindungan dan privasi data konsumen.<\/p>\n

Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

(Vibiznews \u2013 Banking & Insurance) \u2013 UMKM merupakan salah satu tulang punggung pertumbuhan ekonomi Indonesia, sehingga pemerintah memandang perlu untuk meningkatkan pembiayaan UMKM. Dan salah satu unsur penting dalam pembiayaan kredit adalah informasi kinerja debitur. Otoritas Jasa Keuangan (OJK) mendorong dilakukannya sinergi antara Lembaga Pengelola Informasi Perkreditan (LPIP) dan Innovative Credit Scoring (ICS). Hal ini […]<\/p>\n","protected":false},"author":101013,"featured_media":518131,"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":[353,29],"tags":[14038,14036,11875,14037],"class_list":["post-543930","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-business","tag-biro-kredit","tag-credit-scoring","tag-fintech-p2p-lending","tag-ics"],"yoast_head":"\nSinergi Lembaga Pemeringkat Kredit Dorong Pembiayaan UMKM - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"OJK mendorong dilakukannya sinergi antara Lembaga Pengelola Informasi Perkreditan (LPIP) dan Innovative Credit Scoring (ICS).\" \/>\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\/03\/17\/sinergi-lembaga-pemeringkat-kredit-dorong-pembiayaan-umkm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sinergi Lembaga Pemeringkat Kredit Dorong Pembiayaan UMKM - 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