{"id":567081,"date":"2024-06-25T20:50:53","date_gmt":"2024-06-25T13:50:53","guid":{"rendered":"https:\/\/vibiznews.com\/?p=567081"},"modified":"2024-06-25T20:50:53","modified_gmt":"2024-06-25T13:50:53","slug":"npl-umkm-naik-picu-ojk-review-kebijakan-restrukturisasi-kredit","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/06\/25\/npl-umkm-naik-picu-ojk-review-kebijakan-restrukturisasi-kredit\/","title":{"rendered":"NPL UMKM Naik Picu OJK Review Kebijakan Restrukturisasi Kredit"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Berdasarkan data dari Otoritas Jasa Keuangan (OJK) menunjukkan bahwa NPL gross UMKM pada April 2024 telah mencapai 4,26%.<\/p>\n<h5 style=\"text-align: justify;\">Angka ini jauh lebih tinggi dibandingkan NPL gross bulan sebelumnya yang berada di sekitar 3,98%.<\/h5>\n<p style=\"text-align: justify;\">Jadi, penurunan kualitas kredit di segmen UMKM tersebut telah memicu pembahasan tentang kemungkinan perpanjangan relaksasi restrukturisasi Covid-19. Sebab sejak kebijakan ini dihentikan awal tahun ini, angka NPL perbankan khususnya UMKM mengalami kenaikan yang signifikan.<\/p>\n<p style=\"text-align: justify;\">Pada saat yang sama, outstanding kredit restrukturisasi Covid-19 masih berada di angka Rp 207,4 triliun hingga April 2024. Angka ini sedikit menurun dari bulan sebelumnya yang merupakan batas akhir kebijakan tersebut, yaitu Rp 228,03 triliun.<\/p>\n<p style=\"text-align: justify;\">Namun ketika dimintai tanggapan soal wacana perpanjangan relaksasi ini, Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae, enggan berkomentar.<\/p>\n<h5 style=\"text-align: justify;\">Mengenai kebutuhan perpanjangan restrukturisasi, dia hanya menyebut bahwa pihaknya sudah memberikan penjelasan terkait hal ini pada akhir Maret lalu.<\/h5>\n<p style=\"text-align: justify;\">&#8220;Saya rasa dulu sudah menjelaskan panjang lebar terkait itu,&#8221; ujar Dian ketika ditemui di kawasan DPR, Selasa (25\/6).<\/p>\n<p style=\"text-align: justify;\">Untuk mengingatkan kembali, pada waktu itu Dian menyatakan bahwa setiap bank sudah siap menghadapi berakhirnya kebijakan tersebut. Hal ini tercermin dari tingkat pencadangan masing-masing bank.<\/p>\n<p style=\"text-align: justify;\">Dia juga sempat menyebut bahwa meskipun kebijakan tersebut berakhir, restrukturisasi kredit tidak serta merta selesai. Bank masih bisa melanjutkan restrukturisasi sesuai dengan kebijakan internal masing-masing.<\/p>\n<h5 style=\"text-align: justify;\">&#8220;Kalau kredit mereka tidak diselamatkan, itu urusan bank masing-masing,&#8221; ujarnya pada Februari lalu.<\/h5>\n<p style=\"text-align: justify;\">Sementara itu, Dian menekankan bahwa kondisi NPL UMKM saat ini masih dalam batas wajar. Artinya, tidak ada yang perlu dikhawatirkan meskipun pihaknya tetap melakukan pemantauan.<\/p>\n<h5 style=\"text-align: justify;\">&#8220;Memang ada kenaikan tapi masih dalam kondisi biasa-biasa saja, belum sampai menyentuh 5%,&#8221; ujar Dian ketika ditemui di kawasan DPR, Selasa (25\/6).<\/h5>\n<p style=\"text-align: justify;\">Dia juga menyatakan bahwa pihaknya terus memantau NPL UMKM dan memeriksa penyebabnya. Termasuk, adanya dugaan penggunaan kredit oleh debitur bukan untuk usaha melainkan untuk judi online.<\/p>\n<p style=\"text-align: justify;\">Dian mengungkapkan bahwa masalah judi <em>online<\/em> saat ini tidak bisa diselesaikan hanya dengan menutup rekening-rekening terkait. Mengingat, sudah ada ribuan rekening yang diblokir karena terindikasi aktivitas judi online.<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Berdasarkan data dari Otoritas Jasa Keuangan (OJK) menunjukkan bahwa NPL gross UMKM pada April 2024 telah mencapai 4,26%. Angka ini jauh lebih tinggi dibandingkan NPL gross bulan sebelumnya yang berada di sekitar 3,98%. Jadi, penurunan kualitas kredit di segmen UMKM tersebut telah memicu pembahasan tentang kemungkinan perpanjangan relaksasi [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":538973,"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":[14450,11553],"class_list":["post-567081","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-non-performing-loan-npl","tag-perpanjangan-restrukturisasi-kredit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>NPL UMKM Naik Picu OJK Review Kebijakan Restrukturisasi Kredit - 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