{"id":571603,"date":"2024-10-15T03:42:56","date_gmt":"2024-10-14T20:42:56","guid":{"rendered":"https:\/\/vibiznews.com\/?p=571603"},"modified":"2024-10-15T03:42:56","modified_gmt":"2024-10-14T20:42:56","slug":"pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/","title":{"rendered":"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) menilai, pemangkasan suku bunga acuan <em>BI-Rate<\/em> oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan <em>fintech peer to peer (P2P) lending<\/em>.<\/p>\n<h5 style=\"text-align: justify;\">Sebagai informasi, Bank Indonesia telah menurunkan BI Rate sebesar 25 basis poin (bps) menjadi 6% dalam Rapat Dewan Gubernur (RDG) pada 18 September 2024.<\/h5>\n<p style=\"text-align: justify;\">Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya OJK Agusman mengatakan.<br \/>\n\u201c Salah satu dampak positif yang akan dirasakan perusahaan <em>fintech lending<\/em> penyelenggara yakni peningkatan permintaan pembiayaan.&#8221;<\/p>\n<p style=\"text-align: justify;\">Meski demikian, Agusman menerangkan <em>fintech lending<\/em> dan bank-bank yang menyalurkan lewat <em>channeling<\/em>, tetap harus berhati-hati dalam menilai risiko. Hal itu perlu diterapkan untuk menjaga kualitas portofolio pendanaan dan mengurangi risiko gagal bayar.<\/p>\n<h5 style=\"text-align: justify;\">Sejumlah perusahaan <em>fintech peer to peer (P2P) lending<\/em> telah menyiapkan strategi untuk mengimbangi hal tersebut. Sebab, ada potensi peningkatan kebutuhan pendanaan.<\/h5>\n<p style=\"text-align: justify;\">Misalnya, PT Akselerasi Usaha Indonesia (Akseleran) mengakui, turunnya BI Rate tersebut bisa berdampak terhadap perekonomian di Indonesia yang lebih bergeliat dibandingkan sebelumnya.<\/p>\n<p style=\"text-align: justify;\">Group CEO &amp; Co-Founder Akseleran Ivan Nikolas Tambunan mengatakan, strategi yang dilakukan oleh perusahaan adalah existing alias direct sales, di mana harapannya bisa mendapatkan lebih banyak pinjaman.<br \/>\n&#8220;Selain itu, dari sisi channel partnership dengan platform digital juga termasuk dalam strategi kami untuk mendapatkan lebih banyak lagi borrower,&#8221; kata Ivan dilansir dari Kontan, Jumat (11\/10).<\/p>\n<p style=\"text-align: justify;\">Sebagai informasi, sampai saat ini, Akseleran menyebut masih konservatif terhadap target penyaluran pinjaman. Yaitu sekitar Rp 3,2 hingga Rp 3,4 triliun hingga akhir tahun 2024 ini. Target tersebut meningkat sekitar 10% dibandingkan dengan target yang ditetapkan untuk tahun 2023 yang senilai Rp 2,85 triliun.<\/p>\n<p style=\"text-align: justify;\">OJK juga mencatat outstanding pembiayaan <em>fintech peer to peer (P2P) lending<\/em> pada Agustus 2024 mencapai Rp 72,03 triliun. Hingga saat ini, <em>outstanding<\/em> Akseleran tercatat senilai Rp 700 miliar, angka ini meningkat sekitar 10% secara year on year.<\/p>\n<p style=\"text-align: justify;\">Menurut Analis Vibiz Research Center, penurunan BI-Rate bisa mendorong fintech untuk berinovasi dalam produk yang mereka tawarkan. Termasuk produk pinjaman baru yang lebih fleksibel atau yang dirancang untuk segmen pasar tertentu.<\/p>\n<p style=\"text-align: justify;\">Namun perlu diperhatikan dengan meningkatnya permintaan untuk pinjaman, ada risiko yang lebih tinggi terkait dengan kredit macet. Fintech perlu lebih berhati-hati dalam proses penilaian risiko untuk memastikan bahwa mereka tidak memberikan pinjaman kepada peminjam yang berpotensi bermasalah.<\/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 Otoritas Jasa Keuangan (OJK) menilai, pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech peer to peer (P2P) lending. Sebagai informasi, Bank Indonesia telah menurunkan BI Rate sebesar 25 basis poin (bps) menjadi 6% dalam Rapat Dewan Gubernur [&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":[353,3011],"tags":[14607,12181],"class_list":["post-571603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-news-insight","tag-bi-rate-2","tag-fintech-lending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech p\" \/>\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\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending - Vibiznews.com\" \/>\n<meta property=\"og:description\" content=\"pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech p\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/\" \/>\n<meta property=\"og:site_name\" content=\"Vibiznews.com\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-14T20:42:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/\",\"url\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/\",\"name\":\"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending - Vibiznews.com\",\"isPartOf\":{\"@id\":\"https:\/\/vibiznews.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\",\"datePublished\":\"2024-10-14T20:42:56+00:00\",\"dateModified\":\"2024-10-14T20:42:56+00:00\",\"author\":{\"@id\":\"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6\"},\"description\":\"pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech p\",\"breadcrumb\":{\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#primaryimage\",\"url\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\",\"contentUrl\":\"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg\",\"width\":1500,\"height\":844,\"caption\":\"Aturan Pinjol 2025 Termasuk Denda dan Penagihan Lewat Debt Collector\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vibiznews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending\"}]},{\"@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":"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending - Vibiznews.com","description":"pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech p","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\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/","og_locale":"en_US","og_type":"article","og_title":"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending - Vibiznews.com","og_description":"pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech p","og_url":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/","og_site_name":"Vibiznews.com","article_published_time":"2024-10-14T20:42:56+00:00","og_image":[{"width":1500,"height":844,"url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","type":"image\/jpeg"}],"author":"Belinda","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Belinda","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/","url":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/","name":"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending - Vibiznews.com","isPartOf":{"@id":"https:\/\/vibiznews.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#primaryimage"},"image":{"@id":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#primaryimage"},"thumbnailUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","datePublished":"2024-10-14T20:42:56+00:00","dateModified":"2024-10-14T20:42:56+00:00","author":{"@id":"https:\/\/vibiznews.com\/#\/schema\/person\/88c20c73854ff859e070bb64118580e6"},"description":"pemangkasan suku bunga acuan BI-Rate oleh Bank Indonesia (BI) menjadi 6% diyakini akan berdampak positif. Terutama bagi perusahaan fintech p","breadcrumb":{"@id":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#primaryimage","url":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","contentUrl":"https:\/\/vibiznews.com\/wp-content\/uploads\/2021\/06\/bei-fintech-2.jpg","width":1500,"height":844,"caption":"Aturan Pinjol 2025 Termasuk Denda dan Penagihan Lewat Debt Collector"},{"@type":"BreadcrumbList","@id":"https:\/\/vibiznews.com\/index.php\/2024\/10\/15\/pemangkasan-bi-rate-berdampak-positif-bagi-fintech-lending\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vibiznews.com\/"},{"@type":"ListItem","position":2,"name":"Pemangkasan BI-Rate Berdampak Positif Bagi Fintech Lending"}]},{"@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\/571603","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=571603"}],"version-history":[{"count":1,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/571603\/revisions"}],"predecessor-version":[{"id":571609,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/posts\/571603\/revisions\/571609"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media\/486807"}],"wp:attachment":[{"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/media?parent=571603"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/categories?post=571603"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vibiznews.com\/index.php\/wp-json\/wp\/v2\/tags?post=571603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}