{"id":586796,"date":"2025-09-15T18:40:14","date_gmt":"2025-09-15T11:40:14","guid":{"rendered":"https:\/\/vibiznews.com\/?p=586796"},"modified":"2025-09-15T18:40:14","modified_gmt":"2025-09-15T11:40:14","slug":"ojk-terbitkan-pojk-no-19-tahun-2025-tentang-kemudahan-akses-pembiayaan-umkm","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2025\/09\/15\/ojk-terbitkan-pojk-no-19-tahun-2025-tentang-kemudahan-akses-pembiayaan-umkm\/","title":{"rendered":"OJK Terbitkan POJK No.19 Tahun 2025 Tentang Kemudahan Akses Pembiayaan UMKM"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) resmi menerbitkan aturan baru terkait pembiayaan ke UMKM. Hal tersebut tercantum dalam Peraturan OJK Nomor 19 Tahun 2025 tentang Kemudahan Akses Pembiayaan kepada Usaha Mikro, Kecil, dan Menengah (POJK UMKM).<\/p>\n<h5 style=\"text-align: justify;\">Aturan tersebut disebut-sebut bisa jadi stimulus agar kredit ke sektor usaha mikro ini bisa bangkit lagi. Maklum, kredit ke UMKM per Juli 2025 hanya tumbuh 1,82% secara tahunan (YoY).<\/h5>\n<p style=\"text-align: justify;\">Kepala Eksekutif Pengawas Perbankan OJK Dian Ediana Rae mengungkapkan, dengan adanya POJK ini, Bank dan Lembaga Keuangan Non-Bank (LKNB) diharapkan dapat menghadirkan pendekatan yang lebih inovatif untuk menyediakan produk keuangan sesuai kebutuhan setiap segmen UMKM.<\/p>\n<p style=\"text-align: justify;\">\u201cMulai dari usaha mikro dan ultra mikro yang membutuhkan akses cepat dan mudah, hingga usaha kecil dan menengah yang memerlukan layanan lebih kompleks dan beragam,\u201d kata Dian, Senin (15\/9\/2025).<\/p>\n<h5 style=\"text-align: justify;\">Dalam POJK ini Bank dan LKNB diwajibkan memberikan kemudahan akses pembiayaan melalui berbagai kebijakan. Misalnya, kebijakan khusus penyaluran pembiayaan, seperti penyederhanaan persyaratan atau kemudahan penilaian kelayakan UMKM.<\/h5>\n<p style=\"text-align: justify;\">Selanjutnya, ada pula aturan untuk skema pembiayaan khusus sesuai karakteristik usaha. Termasuk penerimaan jaminan berupa kekayaan intelektual dengan mempertimbangkan ekosistem dan metode penilaian yang memadai.<\/p>\n<p style=\"text-align: justify;\">Tambahan lainnya yaitu percepatan proses bisnis, misalnya melalui penggunaan Pemeringkat Kredit Alternatif (PKA). Hingga, penetapan biaya pembiayaan yang wajar bagi UMKM.<\/p>\n<p style=\"text-align: justify;\">Selain aspek kemudahan, Dian juga menegaskan POJK UMKM ini menekankan penerapan tata kelola dan manajemen risiko dalam pembiayaan UMKM. Setiap Bank dan LKNB diwajibkan menyusun rencana penyaluran pembiayaan kepada UMKM serta menyampaikan realisasinya kepada OJK.<\/p>\n<h5 style=\"text-align: justify;\">POJK yang diundangkan pada 2 September 2025 ini mulai berlaku dua bulan sejak diundangkan dan berlaku bagi bank umum. BPR (termasuk bank umum syariah dan BPR syariah) dan Lembaga Keuangan Non-Bank konvensional dan syariah.<\/h5>\n<p style=\"text-align: justify;\">LKNB terdiri dari perusahaan pembiayaan, perusahaan modal ventura, lembaga<br \/>\nkeuangan mikro, penyelenggara layanan pendanaan bersama berbasis teknologi informasi (pindar). Perusahaan pergadaian; dan LKNB lainnya (y.i. Lembaga Pembiayaan Ekspor Indonesia\/LPEI dan PT Permodalan Nasional Madani\/PNM).<\/p>\n<p><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Otoritas Jasa Keuangan (OJK) resmi menerbitkan aturan baru terkait pembiayaan ke UMKM. Hal tersebut tercantum dalam Peraturan OJK Nomor 19 Tahun 2025 tentang Kemudahan Akses Pembiayaan kepada Usaha Mikro, Kecil, dan Menengah (POJK UMKM). Aturan tersebut disebut-sebut bisa jadi stimulus agar kredit ke sektor usaha mikro ini bisa [&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":[353,14922],"tags":[15255],"class_list":["post-586796","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-and-business","tag-pojk-no-19-tahun-2025"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Terbitkan POJK No.19 Tahun 2025 Tentang Kemudahan Akses Pembiayaan UMKM - Vibiznews.com<\/title>\n<meta name=\"description\" content=\"OJK) resmi menerbitkan aturan baru terkait pembiayaan ke UMKM. 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