{"id":179939,"date":"2023-09-15T09:05:21","date_gmt":"2023-09-15T02:05:21","guid":{"rendered":"https:\/\/nawacita.co\/?p=179939"},"modified":"2023-09-15T09:17:41","modified_gmt":"2023-09-15T02:17:41","slug":"menkop-ukm-teten-minta-bunga-pinjaman-fintech-diturunkan","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2023\/09\/15\/menkop-ukm-teten-minta-bunga-pinjaman-fintech-diturunkan\/","title":{"rendered":"Menkop UKM Teten Minta Bunga Pinjaman Fintech Diturunkan"},"content":{"rendered":"

Menkop UKM Teten Minta Bunga Pinjaman Fintech Diturunkan<\/h1>\n

Jakarta, Nawacita<\/a><\/strong> | Menteri Koperasi (Menkop) UKM\u00a0Teten Masduki\u00a0menilai, bunga pinjaman dari perusahaan\u00a0financial technology<\/em>\u00a0(fintech) masih tinggi. Maka ia meminta para pelaku fintech dapat menurunkan bunganya agar Usaha Mikro Kecil Menengah (UMKM) bisa lebih mudah mendapatkan akses pembiayaan.<\/p>\n

\u201cSemoga fintech dengan teknologi digitalnya yang semakin baik, bisa lebih detail melihat kesehatan usaha UMKM. Maka mungkin bunganya bisa diturunkan,\u201d ujar Teten dalam konferensi pers di Jakarta, Kamis (14\/9\/2023).<\/p>\n

Sebenarnya, kata dia, bunga tinggi bukan masalah bagi UMKM. Itu karena, mereka pun berani meminjam dari rentenir.<\/p>\n

\"Bunga<\/a>
Menteri Koperasi dan UKM Teten Masduki<\/figcaption><\/figure>\n

“Bagi mereka yang penting kemudahan akses (pembiayaan),” jelasnya.<\/p>\n

Teten menambahkan, industri fintech yang terus berkembang, mampu memberikan pinjaman tanpa agunan hingga Rp 2 miliar. Bahkan bagi pelaku\u00a0UMKM\u00a0yang sudah terhubung dalam ekosistem Lembaga Kebijakan Pengadaan Barang Jasa Pemerintah (LKPP) dapat meminjam ke fintech sampai Rp 10 miliar tanpa agunan.<\/p>\n

Melalui teknologi AI misalnya, sambung dia, bisa melihat lebih detail profil serta prospek bisnis UMKM.<\/p>\n

Pada kesempatan itu Teten juga mengungkapkan, setelah bertemu dengan beberapa perwakilan dari negara lain, mereka mengatakan perbankan Indonesia masih konvensional. Padahal dari sisi jasa keuangan, UMKM merupakan pasar yang cukup besar.<\/p>\n

Baca Juga:\u00a0Menkop UKM Luncurkan Produk Susu Ikan Pertama di Indonesia<\/a><\/strong><\/p>\n

“Justru menurut saya, lembaga keuangannya yang lebih dahulu berubah,” tegas dia.<\/p>\n

Perbankan, kata Teten, harus berinovasi bagaimana membuat berbagai klaster UMKM yang terhubung ke ekosistem, rantai pasok, dan\u00a0offtaker<\/em>, sehingga memiliki risiko kredit macet atau NPL rendah.<\/p>\n

Dengan begitu, meski dikasih pinjaman tanpa agunan pun tidak akan macet pembayarannya. Contohnya, sambung dia, UMKM yang sudah terhubung ke pengadaan barang serta jasa pemerintah, sehingga sudah ada kepastian pembeli. rpblk<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Menkop UKM Teten Minta Bunga Pinjaman Fintech Diturunkan Jakarta, Nawacita | Menteri Koperasi (Menkop) UKM\u00a0Teten Masduki\u00a0menilai, bunga pinjaman dari perusahaan\u00a0financial technology\u00a0(fintech) masih tinggi. Maka ia meminta para pelaku fintech dapat menurunkan bunganya agar Usaha Mikro Kecil Menengah (UMKM) bisa lebih mudah mendapatkan akses pembiayaan. \u201cSemoga fintech dengan teknologi digitalnya yang semakin baik, bisa lebih detail […]<\/p>\n","protected":false},"author":1459,"featured_media":179941,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[64443,18857,64442,45684,46112,64444,16317],"class_list":{"0":"post-179939","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi-dan-bisnis","8":"tag-bunga-fintech","9":"tag-bunga-pinjaman","10":"tag-bunga-pinjaman-fintech","11":"tag-fintech-lending","12":"tag-menteri-koperasi-dan-ukm-teten-masduki","13":"tag-pendanaan-umkm","14":"tag-umkm"},"yoast_head":"\nMenkop UKM Teten Minta Bunga Pinjaman Fintech Diturunkan<\/title>\n<meta name=\"description\" content=\"Jakarta, Nawacita | 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