{"id":562903,"date":"2024-02-27T17:03:30","date_gmt":"2024-02-27T10:03:30","guid":{"rendered":"https:\/\/vibiznews.com\/?p=562903"},"modified":"2024-02-27T17:03:39","modified_gmt":"2024-02-27T10:03:39","slug":"ancaman-gagal-bayar-masih-membayangi-fintech-p2p-lending","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/02\/27\/ancaman-gagal-bayar-masih-membayangi-fintech-p2p-lending\/","title":{"rendered":"Ancaman Gagal Bayar Masih Membayangi Fintech P2P Lending"},"content":{"rendered":"\n<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Penyaluran kredit lewat <em>fintech peer to peer (P2P) lending <\/em>makin menjamur di negeri ini karena lebih <em>flexible<\/em> dan efisien dalam prosesnya.<\/p>\n\n\n\n<p>Namun ada risiko gagal bayar yang lazim dijumpai dan masih membayangi <em>fintech peer to peer (P2P) lending<\/em>.<\/p>\n\n\n\n<p>Dampaknya, masalah gagal bayar tak cuma akan berefek pada <em>fintech lending<\/em> yang bersangkutan.<br>Namun bisa menyebar kemana-mana, sehingga regulator memandang perlu memagari sejumlah pihak yang bersinggungan dengan <em>fintech lending<\/em>. Salah satunya yang terdampak adalah sektor perbankan.<\/p>\n\n\n\n<p>Otoritas Jasa Keuangan (OJK) mulai menyoroti sektor perbankan yang turut menjadi pendana atau <em>lender <\/em>di <em>fintech lending<\/em>.<\/p>\n\n\n\n<p>Masalahnya, tren gagal bayar di sejumlah <em>fintech lending<\/em> bisa berdampak pada perbankan sebagai <em>lender.<\/em><br>Apalagi, beberapa bank, mayoritas bank digital juga menyalurkan kredit kepada <em>fintech<\/em> melalui skema <em>channeling<\/em>.<\/p>\n\n\n\n<p>Berdasarkan data Otoritas Jasa Keuangan (OJK), per Desember 2023, pinjaman yang diberikan perbankan melalui <em>fintech<\/em> <em>P2P Lending<\/em> telah mencapai Rp 30,35 triliun. Angka ini bagian dari total pinjaman yang diberikan lender dalam negeri yang senilai Rp 49,3 triliun. Pinjaman dari perbankan tersebut meningkat 45,56% secara tahunan (YoY).<\/p>\n\n\n\n<p>Kepala Eksekutif Pengawas Perbankan OJK Dian Ediana Rae mengingatkan agar bank-bank ini tidak ceroboh dalam menyalurkan kredit. Terutama, jika kredit itu disalurkan melalui pihak ketiga.<\/p>\n\n\n\n<p>Dian menyadari saat ini memang ada beberapa bank yang dominasi portofolio kreditnya melalui skema <em>channeling<\/em> dengan <em>fintech<\/em>. Oleh karenanya, OJK telah mengirim surat edaran agar bank-bank ini me-review lagi kerja sama kredit dalam hal ini dengan <em>fintech<\/em>.<\/p>\n\n\n\n<p>Namun jika dibutuhkan dapat dibuat aturannya.<br>Dian menyatakan bahwa saat ini OJK selalu siap memberikan tindakan tegas. Terutama apabila ada bank yang memiliki konsentrasi eksposur pada bisnis <em>fintech<\/em> yang tinggi namun tidak prudent.<\/p>\n\n\n\n<p>\u201cYa harus ingat kalau mereka itu bukan <em>fintech<\/em> tapi bank jadi penyaluran kreditnya jangan <em>reckless<\/em>,\u201d tambahnya.<br>Sebagai informasi, saat ini ada beberapa bank digital yang memang mayoritas penyaluran kreditnya melalui <em>fintech<\/em>. Misalnya, PT Bank Jago Tbk (ARTO) yang mayoritas melalui ekosistem GOTO.<\/p>\n\n\n\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 Penyaluran kredit lewat fintech peer to peer (P2P) lending makin menjamur di negeri ini karena lebih flexible dan efisien dalam prosesnya. Namun ada risiko gagal bayar yang lazim dijumpai dan masih membayangi fintech peer to peer (P2P) lending. Dampaknya, masalah gagal bayar tak cuma akan berefek pada fintech lending [&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],"tags":[14455],"class_list":["post-562903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-fintech-p2p-lending-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ancaman Gagal Bayar Masih Membayangi Fintech P2P Lending - 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\/2024\/02\/27\/ancaman-gagal-bayar-masih-membayangi-fintech-p2p-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ancaman Gagal Bayar Masih Membayangi Fintech P2P Lending - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Penyaluran kredit lewat fintech peer to peer (P2P) lending makin menjamur di negeri ini karena lebih flexible dan efisien dalam prosesnya. Namun ada risiko gagal bayar yang lazim dijumpai dan masih membayangi fintech peer to peer (P2P) lending. 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