{"id":147204,"date":"2022-09-29T11:02:10","date_gmt":"2022-09-29T04:02:10","guid":{"rendered":"https:\/\/nawacita.co\/?p=147204"},"modified":"2022-09-29T11:02:14","modified_gmt":"2022-09-29T04:02:14","slug":"ojk-tetapkan-batas-maksimal-bunga-pinjaman-online","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2022\/09\/29\/ojk-tetapkan-batas-maksimal-bunga-pinjaman-online\/","title":{"rendered":"OJK Tetapkan Batas Maksimal Bunga Pinjaman Online"},"content":{"rendered":"

OJK Tetapkan Batas Maksimal Bunga Pinjaman Online<\/h1>\n

Jakarta, Nawacita<\/a><\/strong> | Otoritas Jasa Keuangan (OJK) menyatakan batas maksimal bunga\u00a0pinjaman\u00a0online\u00a0sebesar 0,4 persen per hari. Adapun bunga ini hanya berlaku pinjaman konsumtif atau jangka pendek, sedangkan pinjaman produktif atau jangka panjang sebesar 12 sampai 24 persen per tahun.<\/p>\n

Kepala Eksekutif Pengawasan Industri Keuangan Non Bank\u00a0OJK\u00a0Ogi Prastomiyono mengatakan, batas tingkat bunga pinjaman\u00a0online<\/em>\u00a0selama ini ditetapkan Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI).<\/p>\n

“Bunga maksimum 0,4 persen per hari diterapkan pinjaman multiguna atau konsumtif dengan tenor pendek, misal 30 hari. Sementara jangka panjang bunga sekitar 12-24 persen per tahun,\u201d ujarnya dalam keterangan tulis, Kamis (29\/9\/2022).<\/p>\n

\"ilustrasi<\/a>
ilustrasi pinjaman online<\/figcaption><\/figure>\n

Dia menjelaskan, penetapan bunga maksimum 0,4 per hari oleh AFPI telah melalui berbagai pertimbangan. Hal ini juga sesuai dengan riset OJK pada 2021, bunga ideal\u00a0pinjaman online\u00a0maksimum sebesar 0,3 sampai 0,46 persen per hari.<\/p>\n

\u201cTidak ada pinjaman konsumtif dengan tenor panjang, misal satu tahun, yang kemudian dikenakan bunga 0,4 per hari atau menjadi 146 persen per tahun. Sementara pinjaman produktif, umumnya dikenakan bunga sekitar 12 sampai 24 persen per tahun tergantung tingkat risikonya,\u201d jelasnya.<\/p>\n

Baca Juga:\u00a0Mahfud MD: Anda Telanjur Pinjam Pinjol Ilegal Jangan Bayar!<\/a><\/strong><\/p>\n

Ke depan lanjut Ogi guna mendukung penetapan bunga pinjaman\u00a0online<\/em>\u00a0yang bersifat indikatif. OJK tengah melakukan kajian komprehensif dengan asosiasi.<\/p>\n

“Diharapkan kajian dan pembahasan dimaksud akan menghasilkan ketentuan yang menyeimbangkan kepentingan lender maupun\u00a0borrower,<\/em>\u00a0sehingga dapat menjaga industri\u00a0fintech lending<\/em> yang sehat, kuat dan berkelanjutan,” ucapnya. rpblk<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

OJK Tetapkan Batas Maksimal Bunga Pinjaman Online Jakarta, Nawacita | Otoritas Jasa Keuangan (OJK) menyatakan batas maksimal bunga\u00a0pinjaman\u00a0online\u00a0sebesar 0,4 persen per hari. Adapun bunga ini hanya berlaku pinjaman konsumtif atau jangka pendek, sedangkan pinjaman produktif atau jangka panjang sebesar 12 sampai 24 persen per tahun. Kepala Eksekutif Pengawasan Industri Keuangan Non Bank\u00a0OJK\u00a0Ogi Prastomiyono mengatakan, batas […]<\/p>\n","protected":false},"author":1459,"featured_media":147206,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[47456,47457,45684,14372,9403,21815],"class_list":{"0":"post-147204","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi-dan-bisnis","8":"tag-batas-maksimal-bunga-pinjaman-online","9":"tag-bunga-pinjaman-online","10":"tag-fintech-lending","11":"tag-ojk-2","12":"tag-pinjaman-online","13":"tag-pinjol"},"yoast_head":"\nOJK Tetapkan Batas Maksimal Bunga Pinjaman Online - Nawacita<\/title>\n<meta name=\"description\" content=\"Jakarta, Nawacita | Otoritas Jasa Keuangan (OJK) menyatakan batas maksimal bunga pinjaman online sebesar 0,4 persen per hari. 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