{"id":589602,"date":"2025-11-25T20:57:13","date_gmt":"2025-11-25T13:57:13","guid":{"rendered":"https:\/\/vibiznews.com\/?p=589602"},"modified":"2025-11-25T20:57:13","modified_gmt":"2025-11-25T13:57:13","slug":"minat-perbankan-terhadap-srbi-meningkat-di-tengah-lesunya-permintaan-kredit","status":"publish","type":"post","link":"https:\/\/vibiznews.com\/index.php\/2025\/11\/25\/minat-perbankan-terhadap-srbi-meningkat-di-tengah-lesunya-permintaan-kredit\/","title":{"rendered":"Minat Perbankan Terhadap SRBI Meningkat, Di Tengah Lesunya Permintaan Kredit"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">(Vibiznews \u2013 Banking &amp; Insurance) \u2013 Minat perbankan terhadap Surat Utang Sekuritas Rupiah Bank Indonesia (SRBI) terus merangkak naik, meski permintaan kredit masih lesu. Dan BI telah menurunkan posisi instrumen tersebut demi melonggarkan likuiditas rupiah.<\/p>\n<h5 style=\"text-align: justify;\">Data Bank Indonesia menunjukkan posisi SRBI menurun secara <em>year-to-date<\/em> dari Rp 916,97 triliun menjadi Rp 699,30 triliun per 17 November 2025. Namun kepemilikan bank justru meningkat konsisten sejak Juli 2025.<\/h5>\n<p style=\"text-align: justify;\">Pada Juni, porsi bank masih 66,86% dari total SRBI beredar sebesar Rp 523,49 triliun. Angkanya naik menjadi 74,21% pada Juli, 78,74% pada Agustus, 82,85% pada September, dan kembali meningkat menjadi 85,28% pada Oktober 2025.<\/p>\n<p style=\"text-align: justify;\">Menurut Analis Vibiz Research Center, tren tersebut terjadi karena pertumbuhan kredit belum pulih sementara likuiditas bank relatif berlebih. Kelebihan likuiditas yang menjadi idle fund diprioritaskan ditempatkan di SRBI karena risikonya lebih kecil dan keuntungannya lumayan. Dengan demikian bank dapat berbagi risiko di sana.<\/p>\n<h5 style=\"text-align: justify;\">Demikian juga pengajuan kredit korporasi masih tertahan karena pelaku usaha memilih bersikap <em>wait and see<\/em> terhadap kondisi makro. Meski suku bunga yang menurun bisa menekan perolehan dana pihak ketiga (DPK), SRBI tetap menjadi opsi menarik karena likuiditasnya longgar.<\/h5>\n<p style=\"text-align: justify;\">Dari sisi perbankan, PT Bank Central Asia Tbk (BCA) menegaskan penempatan dana di surat berharga merupakan bagian dari strategi manajemen likuiditas.<\/p>\n<p style=\"text-align: justify;\">EVP Corporate Communication &amp; Social Responsibility BCA, Hera F. Haryn, menyebut BCA selalu menjaga keseimbangan antara kecukupan likuiditas dan ekspansi kredit yang sehat. Per Oktober 2025, BCA memiliki surat berharga senilai Rp 431,76 triliun atau 28,81% dari total aset.<\/p>\n<p style=\"text-align: justify;\">Hera menyampaikan kepada media bahwa obligasi pemerintah menjadi instrumen surat utang yang paling banyak dimiliki BCA, disusul SRBI dan instrumen lainnya. Ia memastikan BCA mengelola likuiditas secara pruden serta berhati-hati dalam manajemen risiko.<\/p>\n<p style=\"text-align: justify;\">Tren meningkatnya minat bank terhadap SRBI menunjukkan strategi perbankan yang adaptif di tengah lambatnya permintaan kredit.\u00a0 Di samping tetap menjaga stabilitas likuiditas dan profil risiko masing-masing.<\/p>\n<p style=\"text-align: justify;\"><em>Belinda Kosasih\/ Partner of Banking Business Services\/Vibiz Consulting<\/em><\/p>\n<p style=\"text-align: justify;\">\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; (Vibiznews \u2013 Banking &amp; Insurance) \u2013 Minat perbankan terhadap Surat Utang Sekuritas Rupiah Bank Indonesia (SRBI) terus merangkak naik, meski permintaan kredit masih lesu. Dan BI telah menurunkan posisi instrumen tersebut demi melonggarkan likuiditas rupiah. Data Bank Indonesia menunjukkan posisi SRBI menurun secara year-to-date dari Rp 916,97 triliun menjadi Rp 699,30 triliun per 17 [&hellip;]<\/p>\n","protected":false},"author":101013,"featured_media":563965,"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":[353,14922,3011],"tags":[15407],"class_list":["post-589602","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-insurance","category-economy-and-business","category-news-insight","tag-surat-utang-sekuritas-rupiah-bank-indonesia-srbi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Minat Perbankan Terhadap SRBI Meningkat, Di Tengah Lesunya Permintaan Kredit - 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