{"id":569503,"date":"2024-08-27T16:44:16","date_gmt":"2024-08-27T09:44:16","guid":{"rendered":"https:\/\/vibiznews.com\/?p=569503"},"modified":"2024-08-27T16:44:16","modified_gmt":"2024-08-27T09:44:16","slug":"ojk-terbitkan-transparansi-dan-publikasi-sbdk-bagi-bank-umum","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/08\/27\/ojk-terbitkan-transparansi-dan-publikasi-sbdk-bagi-bank-umum\/","title":{"rendered":"OJK Terbitkan Transparansi dan Publikasi SBDK Bagi Bank Umum"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Untuk memperkuat penerapan prinsip tata kelola Suku Bunga Dasar Kredit (SBDK), Otoritas Jasa Keuangan menerbitkan Peraturan OJK Nomor 13 tahun 2024. Yaitu tentang Transparansi dan Publikasi Suku Bunga Dasar Kredit bagi Bank Umum Konvensional (POJK SBDK BUK).<\/p>\n<h5 style=\"text-align: justify;\">Penerbitan POJK ini mengingatkan kewajiban bank umum melakukan transparansi suku bunga (<em>i.e. cost of fund, margin<\/em>, dan<em> overhead cost<\/em>).<\/h5>\n<p style=\"text-align: justify;\">Dengan tujuan untuk mendorong efisiensi penetapan suku bunga Perbankan guna mendukung pembiayaan perekonomian.<\/p>\n<p style=\"text-align: justify;\">POJK SBDK ini mengatur antara lain:<\/p>\n<p style=\"text-align: justify;\">1. SBDK sebagai indikasi suku bunga efektif terendah yang mencerminkan Harga Pokok Dana untuk Kredit (HPDK), <em>overhead cost,<\/em> dan <em>margin<\/em>. Untuk selanjutnya digunakan sebagai acuan dalam penetapan suku bunga kredit.<\/p>\n<p style=\"text-align: justify;\">2. Format Publikasi SBDK lebih informatif, yaitu dengan mengumumkan masing-masing komponen pembentuk SBDK (i.e. HPDK, <em>overhead<\/em>, dan <em>margin<\/em>). Serta menambahkan jenis SBDK pada sektor UMKM yang lebih detail (i.e. adanya publikasi kredit menengah dan kredit kecil).<\/p>\n<h5 style=\"text-align: justify;\">3. Dalam penyusunan SBDK, BUK agar mempertimbangkan suku bunga acuan dari otoritas yang berwenang dan perkembangan kondisi ekonomi.<\/h5>\n<p style=\"text-align: justify;\">4. BUK agar memperhatikan aspek pelindungan kepada konsumen dalam bentuk pemberitahuan perubahan suku bunga. Dan konversi flat ke efektif dalam <em>offering letter.<\/em><\/p>\n<p style=\"text-align: justify;\">5. Penyampaian laporan SBDK kepada OJK yang lebih detil dan tervalidasi dengan laporan terintegrasi OJK-BI-LPS. Yang terdiri atas:<br \/>\na. Harga Pokok Dana untuk Kredit (HPDK) yang antara lain terdiri dari biaya dana pihak ketiga (i.e. giro, tabungan, dan deposito). Dan biaya non-dana pihak ketiga.<\/p>\n<p style=\"text-align: justify;\">b. Biaya <em>overhead<\/em> yang mencakup antara lain biaya sumber daya manusia di BUK, biaya promosi terkait kredit, dan penyusutan aset.<\/p>\n<p style=\"text-align: justify;\">c. <em>Margin<\/em> yang ditetapkan oleh BUK dalam kegiatan penyaluran kredit dengan mempertimbangkan target <em>Return on Asset (ROA)<\/em> yang ingin dicapai. Sesuai rencana bisnis bank setelah memperhitungkan pajak yang harus dibayar dengan mempertimbangkan going concern kinerja BUK.<\/p>\n<p style=\"text-align: justify;\">6. Pengumuman kepada masyarakat setiap adanya perubahan penetapan SBDK.<\/p>\n<h5 style=\"text-align: justify;\">7. Penyampaian laporan detail SBDK kepada OJK paling lambat tanggal 15 atas posisi akhir bulan sebelumnya.<\/h5>\n<p style=\"text-align: justify;\">8. Sanksi kesalahan pengumuman SBDK bergradasi, termasuk denda paling banyak Rp15 Miliar.<\/p>\n<p style=\"text-align: justify;\">9. Kewenangan tertentu bagi OJK termasuk penyesuaian SBDK dan SBK berdasarkan pertimbangan tertentu.<\/p>\n<p style=\"text-align: justify;\">10. Pengumuman Laporan Publikasi SBDK dan penyampaian Laporan Rincian SBDK mulai berlaku sejak posisi data Oktober 2024.<\/p>\n<p style=\"text-align: justify;\">11. POJK mulai berlaku sejak di undangkan.<\/p>\n<p style=\"text-align: justify;\">Penerbitan POJK SBDK diharapkan dapat meningkatkan tata kelola perhitungan, pengumuman, dan penyampaian SBDK dalam rangka meningkatkan keterbandingan. Edukasi dan pelindungan konsumen, serta transmisi kebijakan moneter.<\/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 Untuk memperkuat penerapan prinsip tata kelola Suku Bunga Dasar Kredit (SBDK), Otoritas Jasa Keuangan menerbitkan Peraturan OJK Nomor 13 tahun 2024. Yaitu tentang Transparansi dan Publikasi Suku Bunga Dasar Kredit bagi Bank Umum Konvensional (POJK SBDK BUK). Penerbitan POJK ini mengingatkan kewajiban bank umum melakukan transparansi suku bunga [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":508449,"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":[14720,14721],"class_list":["post-569503","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","tag-pojk-sbdk-buk","tag-suku-bunga-dasar-kredit-sbdk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Terbitkan Transparansi dan Publikasi SBDK Bagi Bank Umum - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"Otoritas Jasa Keuangan menerbitkan Peraturan OJK Nomor 13 tahun 2024. 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