{"id":550771,"date":"2023-07-06T14:54:52","date_gmt":"2023-07-06T07:54:52","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=550771"},"modified":"2023-07-06T14:54:52","modified_gmt":"2023-07-06T07:54:52","slug":"ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/","title":{"rendered":"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Kredit macet merupakan masalah yang sering dihadapi dalam kredit perbankan dan kini juga menjadi permasalahan <em>fintech peer to peer<\/em> <em>lending<\/em>.<\/p>\n<h5 style=\"text-align: justify;\">Berdasarkan penelitian, Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu <em>fintech<\/em>.<\/h5>\n<p style=\"text-align: justify;\">Kepala Eksekutif Pengawasan Perasuransian, Penjaminan dan Dana Pensiun OJK Ogi Prastomiyono mengatakan pihaknya sejauh ini terus melakukan monitoring. Terhadap berbagai isu, terutama yang dapat berdampak pada masing-masing penyelenggara <em>P2P<\/em> <em>lending.<\/em><\/p>\n<p style=\"text-align: justify;\">Dia juga menyampaikan pada industri ini memang dijumpai karakteristik tertentu. Kebanyakan penyelenggara hanya fokus untuk melayani sektor-sektor tertentu saja, seperti pertanian, perdagangan ritel, properti, pendidikan, hingga UMKM.<\/p>\n<p style=\"text-align: justify;\">&#8220;Terfokusnya layanan pada suatu sektor tertentu memiliki risiko yang relatif besar melekat pada sektor tersebut. Misalnya, sektor tersebut sedang tidak stabil, maka dapat memengaruhi kinerja pendanaan penyelenggara <em>P2P lending<\/em> yang melayani sektor tersebut,&#8221; ucap Ogi, Selasa (4\/7).<\/p>\n<h5 style=\"text-align: justify;\">Meskipun demikian, OJK tidak mengarahkan penyelenggara untuk melayani pendanaan pada sektor tertentu.<\/h5>\n<h5 style=\"text-align: justify;\">Idealnya, kata Ogi, penyelenggara perlu melakukan penilaian risiko atas sektor yang dilayaninya. Selanjutnya, diikuti dengan analisa penilaian kelayakan pinjaman yang cocok serta memadai.<\/h5>\n<p style=\"text-align: justify;\">Sementara itu, Ogi juga mendorong para penyelenggara baik secara satu per satu maupun berkelompok melalui Asosiasi <em>Fintech<\/em> Pendanaan Bersama Indonesia (AFPI). Hal ini bertujuan agar dapat memperluas kerja sama kepada berbagai pihak.<\/p>\n<h5 style=\"text-align: justify;\">Dengan demikian, layanan dapat terus diperluas dan memperkuat manajemen risiko. Pada akhirnya, diharapkan bisa meminimalisir dampak dari risiko sektoral maupun risiko gagal bayar di kemudian hari. Hal ini menjadi catatan penting bagi penyelenggara <em>fintech P2P<\/em> <em>lending.<\/em><\/h5>\n<p style=\"text-align: justify;\">Perlu diketahui, kinerja <em>fintech peer to peer (P2P) lending<\/em> pada Mei 2023 mencatatkan pertumbuhan dengan <em>outstanding<\/em> pembiayaan tumbuh sebesar 28,11 persen <em>yoy<\/em>. Ini menunjukkan penurunan dibandingkan <em>outstanding<\/em> April 2023 sebesar 30,64 persen, dan nilainya menjadi sebesar Rp51,46 triliun, berdasarkan data OJK.<\/p>\n<p style=\"text-align: justify;\">Sementara itu, tingkat risiko kredit secara agregat (TWP90) naik menjadi 3,36 persen dibandingkan bulan sebelumnya, April 2023 yaitu sebesar 2,82 persen.<\/p>\n<p style=\"text-align: justify;\">\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 Kredit macet merupakan masalah yang sering dihadapi dalam kredit perbankan dan kini juga menjadi permasalahan fintech peer to peer lending. Berdasarkan penelitian, Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech. Kepala Eksekutif Pengawasan Perasuransian, Penjaminan dan Dana Pensiun OJK [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":486807,"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":[353,183],"tags":[],"class_list":["post-550771","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-technology"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech.\" \/>\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\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/\" \/>\n<meta property=\"og:site_name\" content=\"Vibiznews.com\" \/>\n<meta property=\"article:published_time\" content=\"2023-07-06T07:54:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"844\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Belinda\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Belinda\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/\",\"url\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/\",\"name\":\"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech - Vibiznews.com\",\"isPartOf\":{\"@id\":\"https:\/\/vibiznews.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\",\"datePublished\":\"2023-07-06T07:54:52+00:00\",\"dateModified\":\"2023-07-06T07:54:52+00:00\",\"author\":{\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6\"},\"description\":\"Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech.\",\"breadcrumb\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#primaryimage\",\"url\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\",\"contentUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\",\"width\":1500,\"height\":844,\"caption\":\"Aturan Pinjol 2025 Termasuk Denda dan Penagihan Lewat Debt Collector\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vibiznews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/vibiznews.com\/#website\",\"url\":\"https:\/\/vibiznews.com\/\",\"name\":\"Vibiznews.com\",\"description\":\"Berita Bisnis | Berita Komoditi | Berita Saham\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/vibiznews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6\",\"name\":\"Belinda\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c3bbf0f9d5bce10545d0830ef957ec1c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c3bbf0f9d5bce10545d0830ef957ec1c?s=96&d=mm&r=g\",\"caption\":\"Belinda\"},\"description\":\"Belinda is a banking consultant, currently she is a Partner in Banking Business Services of Vibiz Consulting, as facilitator and also actively writing articles related to banking and investment subjects in vibiznews.com - Vibiz Media Network.\",\"url\":\"https:\/\/vibiznews.com\/index.php\/author\/belinda\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech - Vibiznews.com","description":"Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/","og_locale":"en_US","og_type":"article","og_title":"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech - Vibiznews.com","og_description":"Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech.","og_url":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/","og_site_name":"Vibiznews.com","article_published_time":"2023-07-06T07:54:52+00:00","og_image":[{"width":1500,"height":844,"url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","type":"image\/jpeg"}],"author":"Belinda","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Belinda","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/","url":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/","name":"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech - Vibiznews.com","isPartOf":{"@id":"https:\/\/vibiznews.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#primaryimage"},"image":{"@id":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#primaryimage"},"thumbnailUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","datePublished":"2023-07-06T07:54:52+00:00","dateModified":"2023-07-06T07:54:52+00:00","author":{"@id":"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6"},"description":"Otoritas Jasa Keuangan (OJK) mendapatkan adanya ketidakstabilan pada sektor tertentu bisa saja berimbas juga terhadap kinerja suatu fintech.","breadcrumb":{"@id":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#primaryimage","url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","contentUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","width":1500,"height":844,"caption":"Aturan Pinjol 2025 Termasuk Denda dan Penagihan Lewat Debt Collector"},{"@type":"BreadcrumbList","@id":"https:\/\/vibiznews.com\/index.php\/2023\/07\/06\/ketidakstabilan-sektor-tertentu-berimbas-pada-kredit-macet-fintech\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vibiznews.com\/"},{"@type":"ListItem","position":2,"name":"Ketidakstabilan Sektor Tertentu Berimbas Pada Kredit Macet Fintech"}]},{"@type":"WebSite","@id":"https:\/\/vibiznews.com\/#website","url":"https:\/\/vibiznews.com\/","name":"Vibiznews.com","description":"Berita Bisnis | Berita Komoditi | Berita Saham","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vibiznews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6","name":"Belinda","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vibiznews.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/c3bbf0f9d5bce10545d0830ef957ec1c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c3bbf0f9d5bce10545d0830ef957ec1c?s=96&d=mm&r=g","caption":"Belinda"},"description":"Belinda is a banking consultant, currently she is a Partner in Banking Business Services of Vibiz Consulting, as facilitator and also actively writing articles related to banking and investment subjects in vibiznews.com - Vibiz Media Network.","url":"https:\/\/vibiznews.com\/index.php\/author\/belinda\/"}]}},"_links":{"self":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/550771","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/users\/101013"}],"replies":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/comments?post=550771"}],"version-history":[{"count":1,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/550771\/revisions"}],"predecessor-version":[{"id":550772,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/550771\/revisions\/550772"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media\/486807"}],"wp:attachment":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media?parent=550771"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/categories?post=550771"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/tags?post=550771"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}