{"id":556486,"date":"2023-11-02T21:06:05","date_gmt":"2023-11-02T14:06:05","guid":{"rendered":"https:\/\/www.vibiznews.com\/?p=556486"},"modified":"2023-11-02T21:11:54","modified_gmt":"2023-11-02T14:11:54","slug":"ojk-akan-terbitkan-aturan-batasan-bunga-fintech-yang-lebih-rendah","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2023\/11\/02\/ojk-akan-terbitkan-aturan-batasan-bunga-fintech-yang-lebih-rendah\/","title":{"rendered":"OJK Akan Terbitkan Aturan Batasan Bunga Fintech yang Lebih Rendah"},"content":{"rendered":"<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) menyatakan akan memberikan batasan bunga yang lebih rendah pada industri <em>fintech peer to peer (P2P) lending.<\/em><\/p>\n<p style=\"text-align: justify;\">OJK tengah menyusun Surat Edaran (SE) terkait pinjaman online (pinjol), sebagai turunan dari Peraturan OJK (POJK) Nomor 10 Tahun 2022. Demikian disampaikan oleh Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya (PVML) OJK Agusman.<\/p>\n<h5 style=\"text-align: justify;\">\u201cSE tekait <em>P2P lending<\/em> masih dalam proses penyelarasan di departemen hukum dengan target penerbitan di November 2023,\u201d ujar Agusman. Yang disampaikan dalam Rapat Dewan Komisioner (RDK) OJK, Senin (30\/10).<\/h5>\n<p style=\"text-align: justify;\">Agusman menjelaskan bahwa cakupan dari SE tersebut nantinya akan mengatur mengenai kegiatan usaha, mekanisme penyaluran dan pelunasan dana. Termasuk batasan maksimum manfaat ekonomi dan penagihan.<\/p>\n<p style=\"text-align: justify;\">\u201cTerkait dengan batasan maksimum manfaat ekonomi atau bunga, pengaturan tersebut akan memberikan batasan yang lebih rendah. Tentunya dengan tetap memperhatikan para pihak terkait yaitu pemberi dana, penerima dana, dan penyelenggara,\u201d jelasnya.<\/p>\n<h5 style=\"text-align: justify;\">Meskipun demikian, Agusman mengungkapkan batasan bunga tersebut akan memperhatikan keseimbangan antara kepentingan konsumen dan industri <em>fintech P2P<\/em> <em>lending<\/em> agar sama-sama sehat.<\/h5>\n<p style=\"text-align: justify;\">Agusman akan berusaha menemukan titik keseimbangan antara kepentingan konsumen agar layanan tetap aman, nyaman, dan terjangkau. Serta industri agar tetap tumbuh secara sehat dan baik.<\/p>\n<h5 style=\"text-align: justify;\">Perlu diketahui, Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) memberikan batasan bunga pinjaman maksimal sebesar 0,4% per hari untuk pinjaman jangka pendek. Dan bunga ini, diberikan secara tunai dalam jangka waktu satu bulan.<\/h5>\n<p style=\"text-align: justify;\">Sementara itu, untuk pinjaman produktif seperti Usaha Mikro, Kecil dan Menengah (UMKM), bunga yang diberikan rata-rata sekitar 0,03% sampai 0,06% per hari. Atau sekitar 12% hingga 24% per tahun.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) menyatakan akan memberikan batasan bunga yang lebih rendah pada industri fintech peer to peer (P2P) lending. OJK tengah menyusun Surat Edaran (SE) terkait pinjaman online (pinjol), sebagai turunan dari Peraturan OJK (POJK) Nomor 10 Tahun 2022. Demikian disampaikan oleh Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":474011,"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":[6139,14248,13757],"class_list":["post-556486","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-fintech","tag-fintech-peer-to-peer-p2p-lending","tag-pinjol"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Akan Terbitkan Aturan Batasan Bunga Fintech yang Lebih Rendah - 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