{"id":564728,"date":"2024-04-12T15:26:19","date_gmt":"2024-04-12T08:26:19","guid":{"rendered":"https:\/\/vibiznews.com\/?p=564728"},"modified":"2024-04-12T15:26:21","modified_gmt":"2024-04-12T08:26:21","slug":"ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/","title":{"rendered":"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech"},"content":{"rendered":"\n<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) terus mengingatkan industri perbankan agar selektif dalam menyalurkan kredit melalui skema <em>channeling<\/em> dengan <em>fintech lending<\/em>.<br>Hal ini didasarkan bahwa pendanaan dari sektor perbankan masih mendominasi bagi industri <em>fintech lending<\/em>.<\/p>\n\n\n\n<p>Berdasarkan data OJK per Januari 2024, perbankan telah memberikan pendanaan sekitar Rp 31,14 triliun. Jika dilihat dari total outstanding, berarti sekitar 51,64 dari total outstanding pinjaman <em>fintech lending<\/em>.<\/p>\n\n\n\n<p>Mengingat adanya sejumlah risiko dalam <em>fintech lending<\/em>, Kepala Eksekutif Pengawas Perbankan OJK Dian Ediana Rae menegaskan perbankan untuk mengantisipasi risiko tersebut. Jadi penting bagi perbankan untuk memiliki pemahaman yang baik atas proses bisnis mitra.<\/p>\n\n\n\n<p>Dalam hal ini, Dian menilai bank perlu mampu memilih mitra yang tepat dan mematuhi regulasi yang berlaku. Serta menerapkan skema mitigasi risiko yang memadai.<\/p>\n\n\n\n<p>Selain itu, OJK juga mengantisipasi peningkatan potensi risiko dari skema kemitraan perbankan dengan fintech lending.<br>Dian menyebutkan langkah-langkah yang telah OJK lakukan antara lain mengedepakan regulasi yang fleksibel untuk menyesuaikan dengan perkembangan teknologi.<\/p>\n\n\n\n<p>Penggunaan <em>regulatory sandbox<\/em> dan <em>innovation office<\/em> di sisi industri <em>fintech<\/em> untuk memantau dan menguji inovasi dengan aman.<br>\u201cSerta pembuatan keterampilan dan kapabilitas baru dalam manajemen risiko dan pengawasan,\u201d ujar Dian, belum lama ini.<\/p>\n\n\n\n<p>Selain itu, Dian mengatakan penyesuaian regulasi perlindungan konsumen dan koordinasi antara regulator nasional dan internasional juga penting. Terutama untuk memastikan bahwa fintech lending beroperasi dalam kerangka yang aman dan adil bagi semua pihak yang terlibat.<\/p>\n\n\n\n<p><em>Belinda Kosasih\/ Managing Partner of Vibiz Consulting<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) terus mengingatkan industri perbankan agar selektif dalam menyalurkan kredit melalui skema channeling dengan fintech lending.Hal ini didasarkan bahwa pendanaan dari sektor perbankan masih mendominasi bagi industri fintech lending. Berdasarkan data OJK per Januari 2024, perbankan telah memberikan pendanaan sekitar Rp 31,14 triliun. Jika dilihat dari [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":562974,"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":[14559,12181,7015],"class_list":["post-564728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-channeling","tag-fintech-lending","tag-regulatory-sandbox"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech - 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\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) terus mengingatkan industri perbankan agar selektif dalam menyalurkan kredit melalui skema channeling dengan fintech lending.Hal ini didasarkan bahwa pendanaan dari sektor perbankan masih mendominasi bagi industri fintech lending. Berdasarkan data OJK per Januari 2024, perbankan telah memberikan pendanaan sekitar Rp 31,14 triliun. Jika dilihat dari [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/\" \/>\n<meta property=\"og:site_name\" content=\"Vibiznews.com\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-12T08:26:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-12T08:26:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/\",\"url\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/\",\"name\":\"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech - Vibiznews.com\",\"isPartOf\":{\"@id\":\"https:\/\/vibiznews.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg\",\"datePublished\":\"2024-04-12T08:26:19+00:00\",\"dateModified\":\"2024-04-12T08:26:21+00:00\",\"author\":{\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6\"},\"breadcrumb\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#primaryimage\",\"url\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg\",\"contentUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg\",\"width\":1500,\"height\":844,\"caption\":\"Porsi Penyaluran Pembiayaan Fintech Lending Turun Jadi 26,55%\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vibiznews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui 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":"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech - Vibiznews.com","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\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/","og_locale":"en_US","og_type":"article","og_title":"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech - Vibiznews.com","og_description":"(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) terus mengingatkan industri perbankan agar selektif dalam menyalurkan kredit melalui skema channeling dengan fintech lending.Hal ini didasarkan bahwa pendanaan dari sektor perbankan masih mendominasi bagi industri fintech lending. Berdasarkan data OJK per Januari 2024, perbankan telah memberikan pendanaan sekitar Rp 31,14 triliun. Jika dilihat dari [&hellip;]","og_url":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/","og_site_name":"Vibiznews.com","article_published_time":"2024-04-12T08:26:19+00:00","article_modified_time":"2024-04-12T08:26:21+00:00","og_image":[{"width":1500,"height":844,"url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg","type":"image\/jpeg"}],"author":"Belinda","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Belinda","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/","url":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/","name":"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui Fintech - Vibiznews.com","isPartOf":{"@id":"https:\/\/vibiznews.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#primaryimage"},"image":{"@id":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#primaryimage"},"thumbnailUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg","datePublished":"2024-04-12T08:26:19+00:00","dateModified":"2024-04-12T08:26:21+00:00","author":{"@id":"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6"},"breadcrumb":{"@id":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#primaryimage","url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg","contentUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2024\/02\/bei-fintech-2-1.jpg","width":1500,"height":844,"caption":"Porsi Penyaluran Pembiayaan Fintech Lending Turun Jadi 26,55%"},{"@type":"BreadcrumbList","@id":"https:\/\/vibiznews.com\/index.php\/2024\/04\/12\/ojk-ingatkan-bank-selektif-salurkan-kredit-channeling-melalui-fintech\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vibiznews.com\/"},{"@type":"ListItem","position":2,"name":"OJK Ingatkan Bank Selektif Salurkan Kredit Channeling Melalui 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\/564728","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=564728"}],"version-history":[{"count":1,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/564728\/revisions"}],"predecessor-version":[{"id":564729,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/564728\/revisions\/564729"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media\/562974"}],"wp:attachment":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media?parent=564728"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/categories?post=564728"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/tags?post=564728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}