{"id":206888,"date":"2024-04-04T22:08:49","date_gmt":"2024-04-04T15:08:49","guid":{"rendered":"https:\/\/nawacita.co\/?p=206888"},"modified":"2024-04-04T22:08:49","modified_gmt":"2024-04-04T15:08:49","slug":"kinerja-perbankan-pulih-ojk-akhiri-kebijakan-restrukturisasi-kredit","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2024\/04\/04\/kinerja-perbankan-pulih-ojk-akhiri-kebijakan-restrukturisasi-kredit\/","title":{"rendered":"Kinerja Perbankan Pulih, OJK Akhiri Kebijakan Restrukturisasi Kredit"},"content":{"rendered":"

SURABAYA<\/span>,<\/span> nawacita –<\/a> Otoritas<\/span> Jasa <\/span>Keuangan<\/span> (OJK) <\/span>telah<\/span> resmi<\/span> mengakhiri<\/span>kebijakan<\/span> stimulus <\/span>restrukturisasi<\/span> kredit<\/span> perbankan<\/span> untuk<\/span> dampak<\/span> Covid-19 pada 31 <\/span>Maret<\/span> 2024. <\/span>Berakhirnya<\/span> kebijakan<\/span> tersebut<\/span> konsisten<\/span> dengan<\/span> pencabutan<\/span> status <\/span>pandemi<\/span> Covid-19 oleh <\/span>p<\/span>emerintah<\/span> pada <\/span>Juni<\/span> 2023, <\/span>serta<\/span> mempertimbangkan<\/span>perekonomian<\/span> Indonesia yang <\/span>telah<\/span> pulih<\/span> dari<\/span> dampak<\/span> pandemi<\/span>.<\/span> T<\/span>ermasuk<\/span> kondisi<\/span>sektor<\/span> riil<\/span>.<\/span><\/p>\n

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Ketua<\/span> Dewan <\/span>Komisioner<\/span> OJK <\/span>Mahendra<\/span> Siregar<\/span> men<\/span>gatakan<\/span>, <\/span>r<\/span>estrukturisasi<\/span> kredit<\/span>yang <\/span>diterbitkan<\/span> sejak<\/span> awal<\/span> 2020 <\/span>telah<\/span> banyak<\/span> dimanfaatkan<\/span> oleh <\/span>debitur<\/span> terutama<\/span>pelaku<\/span> UMKM. <\/span>Sehingga<\/span> hal<\/span> tersebut<\/span> membuat<\/span> para <\/span>debitur<\/span> mampu<\/span> melewati<\/span> pandemi<\/span>dengan<\/span> baik<\/span>. <\/span>\u201d<\/span>K<\/span>ondisi<\/span> perbankan<\/span> Indonesia <\/span>saat<\/span> ini<\/span> sudah<\/span> memiliki<\/span> daya<\/span> tahan<\/span> yang <\/span>kuat<\/span> (resilient) <\/span>dalam<\/span> menghadapi<\/span> dinamika<\/span> perekonomian<\/span>. <\/span>D<\/span>idukung<\/span> oleh <\/span>tumbuhnya<\/span>investasi<\/span>, <\/span>tingkat<\/span> permodalan<\/span> yang <\/span>kuat<\/span>, <\/span>likuiditas<\/span> yang <\/span>memadai<\/span>, dan <\/span>manajemen<\/span>risiko<\/span> yang <\/span>baik<\/span> serta <\/span>disuppor<\/span>t <\/span>oleh <\/span>pemulihan<\/span> ekonomi<\/span> yang <\/span>terus<\/span> berlanjut<\/span> dengan<\/span>tingkat<\/span> inflasi<\/span> yang <\/span>terkendali<\/span>,\u201d <\/span>paparnya<\/span>.<\/span><\/p>\n

\"CSA
Bank Jatim Terima Penghargaan CSA Awards 2023<\/figcaption><\/figure>\n

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Dikatakan<\/span> Mahendra<\/span>, <\/span>semua<\/span> itu<\/span> tercermin<\/span> dari<\/span> beberapa<\/span> indikator<\/span> perbankan<\/span> pada <\/span>Januari<\/span> 2024 <\/span>yang <\/span>menunjukkan<\/span> kondisi<\/span> positif<\/span>. <\/span>Misalnya<\/span>,<\/span> rasio<\/span> kecukupan<\/span> modal (CAR) <\/span>berada<\/span> di level 27,54 <\/span>persen<\/span>. <\/span>Tak<\/span> hanya<\/span> itu<\/span> saja<\/span>, <\/span>kondisi<\/span> likuiditas<\/span> perbankan<\/span>juga <\/span>dinilai<\/span> masih<\/span> baik<\/span> dengan<\/span> tingkat<\/span> rentabilitas<\/span> yang <\/span>memadai<\/span>. Hal <\/span>tersebut<\/span>d<\/span>itunjukkan<\/span> oleh<\/span> rasio<\/span> Liquidity Coverage Ratio (LCR) <\/span>sebesar<\/span> 231,14 <\/span>persen<\/span> dan Alat <\/span>Likuid<\/span>\/<\/span>Non Core<\/span> Deposit (AL\/NCD) <\/span>sebesar<\/span> 123,42 <\/span>persen<\/span>. <\/span>\u201d<\/span>Ini<\/span> diharapkan<\/span> dapat<\/span>menjadi<\/span> bantalan<\/span> mitigasi<\/span> risiko<\/span> yang solid di <\/span>tengah<\/span> kondisi<\/span> perekonomian<\/span> global yang <\/span>masih<\/span> tidak<\/span> menentu<\/span>,\u201d <\/span>tegasnya<\/span>.<\/span><\/p>\n

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Di <\/span>sisi<\/span> lain<\/span>, <\/span>Mahendra<\/span> melihat<\/span> kualitas<\/span> kredit<\/span> perbankan<\/span> juga <\/span>tetap<\/span> terjaga<\/span> di <\/span>bawah<\/span>threshold 5 <\/span>perse<\/span>n<\/span>.<\/span> NPL G<\/span>ross <\/span>sebesar<\/span> 2,35 <\/span>persen<\/span> dan NPL <\/span>Nett<\/span> sebesar<\/span> 0,79 <\/span>persen<\/span>.<\/span> \u201d<\/span>Sehingga<\/span> dapat<\/span> dikatakan<\/span> kebijakan<\/span> stimulus Covid-19 <\/span>ini<\/span> telah<\/span> memberikan<\/span>kontribusi<\/span> nyata<\/span> dalam<\/span> menopang<\/span> tekanan<\/span> terhadap<\/span> perekonomian<\/span> sejak<\/span> awal<\/span> pandemi<\/span>sampai<\/span> sekarang<\/span>,\u201d <\/span>tuturnya<\/span>.<\/span><\/p>\n

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Sementara<\/span> itu<\/span>, <\/span>pertumbuhan<\/span> kredit<\/span> di PT Bank Pembangunan Daerah <\/span>Jawa<\/span> Timur <\/span>Tbk<\/span>(<\/span>bankjatim<\/span>) juga <\/span>terus<\/span> menunjukkan<\/span> angka<\/span> yang <\/span>positif<\/span> tiap<\/span> tahunnya<\/span>. <\/span>Sepanjang<\/span> 2023, <\/span>e<\/span>kspansi<\/span> kredit<\/span> yang <\/span>telah<\/span> disalurkan<\/span> emiten<\/span> dengan<\/span> kode<\/span> BJTM <\/span>tersebut<\/span> berada<\/span> di <\/span>angka<\/span> Rp 54,76 <\/span>triliun<\/span> atau<\/span> naik 18,54% (YoY). Angka <\/span>kredit<\/span> tersebut<\/span> tumbuh<\/span> diatas<\/span>rata-rata <\/span>pertumbuhan<\/span> kredit<\/span> nasional<\/span> yang <\/span>hanya<\/span> sebesar<\/span> 10,3%<\/span>. <\/span>\u201d<\/span>Adapun<\/span> komposisi<\/span>penyaluran<\/span> kredit<\/span> bankjatim<\/span> yaitu<\/span> kredit<\/span> konsumtif<\/span> sebesar<\/span> Rp 31,2 <\/span>triliun<\/span> atau<\/span>meningkat<\/span> 8,91% (YoY) dan <\/span>kredit<\/span> produktif<\/span> sebesar<\/span> Rp 23,5 <\/span>triliun<\/span> atau<\/span> tumbuh<\/span>eksponensial<\/span> 34,28% (YoY)<\/span>,\u201d <\/span>terang<\/span> Direktur<\/span> Utama <\/span>bankjatim<\/span> Busrul<\/span> Iman.<\/span><\/p>\n

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Penyaluran<\/span> kredit<\/span> bankjatim<\/span> itu<\/span> juga <\/span>diikuti<\/span> oleh <\/span>perbaikan<\/span> kualitas<\/span> pinjaman<\/span>. <\/span>T<\/span>erlihat<\/span>dari<\/span> rasio<\/span> Non Performing<\/span> Loan (NPL) Gross <\/span>bankjatim<\/span> yang <\/span>melandai<\/span>. <\/span>Yakni<\/span> di <\/span>angka<\/span>2,83% pada 2022 <\/span>menjadi<\/span> 2,49% pada 2023. <\/span>\u201d<\/span>Itu<\/span> artinya<\/span> kualitas<\/span> kredit<\/span> bankjatim<\/span>semakin<\/span> sehat<\/span> dan <\/span>menjadi<\/span> tanda<\/span> adanya<\/span> recovery <\/span>dari<\/span> beberapa<\/span> \u00a0<\/span>sektor<\/span> ekonomi<\/span>,\u201d <\/span>tutur<\/span> Busrul<\/span>.<\/span><\/p>\n

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Kemudian<\/span> untuk<\/span> kuota<\/span> KUR <\/span>sendiri<\/span>, <\/span>bankjatim<\/span> juga <\/span>terus<\/span> mencatat<\/span> kinerja<\/span> yang <\/span>meningkat<\/span> dari<\/span> tahun<\/span> ke<\/span> tahun<\/span>, <\/span>termasuk<\/span> saat<\/span> pandemi<\/span>. P<\/span>ada <\/span>tahun<\/span> 2021, <\/span>bankjatim<\/span>mendapat<\/span> kuota<\/span> KUR <\/span>sebesar<\/span> Rp 700 <\/span>miliar<\/span>. Dari <\/span>angka<\/span> tersebut<\/span>, yang <\/span>berhasil<\/span>disalurkan<\/span> sebesar<\/span> 88,7 <\/span>persen<\/span>. <\/span>Untuk<\/span> jumlah<\/span> debitur<\/span> KUR <\/span>tahun<\/span> 2021 <\/span>sendiri<\/span>sebanyak<\/span> 4.928<\/span>.<\/span><\/p>\n

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Selanjutnya<\/span>, <\/span>tahun<\/span> 2022 <\/span>bankjatim<\/span> berhasil<\/span> memperoleh<\/span> kuota<\/span> KUR <\/span>senilai<\/span> Rp 2,5 <\/span>triliun<\/span>. <\/span>Prosentase<\/span> penyalurannya<\/span> sekitar<\/span> 95,19 <\/span>persen<\/span> dengan<\/span> jumlah<\/span> debitur<\/span> 19.159 orang. <\/span>Dan di <\/span>tahun<\/span> 2023 <\/span>kuota<\/span> KUR <\/span>bankjatim<\/span> lebih<\/span> meningkat<\/span> lagi<\/span> yaitu<\/span> di <\/span>angka<\/span> Rp 2,89 <\/span>triliun<\/span>. Yang <\/span>sukses<\/span> disalurkan<\/span> sekitar<\/span> 96 <\/span>persennya<\/span> dengan<\/span> jumlah<\/span> debitur<\/span>22.253.<\/span><\/p>\n

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Di <\/span>sisi<\/span> lain, <\/span>seiring<\/span> dengan<\/span> pandemi<\/span> yang <\/span>mereda<\/span> dan <\/span>pencabutan<\/span> status <\/span>pandemi<\/span> oleh <\/span>Pemerintah<\/span>, <\/span>perekonomian<\/span> Jawa<\/span> Timur<\/span> di <\/span>hampir<\/span> seluruh<\/span> sektor<\/span> juga <\/span>kembali<\/span> pulih<\/span> dan <\/span>menunjukkan<\/span> angka<\/span> yang <\/span>positif<\/span>. <\/span>Sepanjang<\/span> 2023, <\/span>ekonomi<\/span> Jawa<\/span> Timur <\/span>mampu<\/span>tumbuh<\/span> sebesar<\/span> 4,95 <\/span>persen<\/span>. <\/span>Kemudian<\/span> beberapa<\/span> waktu<\/span> lalu<\/span> Bank Indonesia juga <\/span>memprediksi<\/span> ekonomi<\/span> Jawa<\/span> Timur <\/span>akan<\/span> kembali<\/span> meningkat<\/span> pada <\/span>Triwulan<\/span> I <\/span>tahun<\/span> 2024. <\/span>Faktor<\/span> utamanya<\/span> didorong<\/span> oleh <\/span>konsumsi<\/span> rumah<\/span> tangga<\/span> seiring<\/span> dengan<\/span> pencairan<\/span> rapel<\/span>kenaikan<\/span> gaji<\/span> bagi<\/span> ASN, <\/span>pencairan<\/span> THR pada <\/span>akhir<\/span> Triwulan<\/span> I, long weekend <\/span>bulan<\/span>Februari-Maret<\/span>, <\/span>hingga<\/span> peningkatan<\/span> konsumsi<\/span> pada <\/span>momen<\/span> safari <\/span>politik<\/span> saat<\/span> pemilu<\/span>. <\/span><\/p>\n

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Optimisme<\/span> pertumbuhan<\/span> ekonomi<\/span> tersebut<\/span> didorong<\/span> pula <\/span>kinerja<\/span> berbagai<\/span> lapangan<\/span>usaha<\/span>. <\/span>Menurut<\/span> pengamatan<\/span> Bank Indonesia,<\/span> kredit<\/span> segmen<\/span> rumah<\/span> tangga<\/span> diproyeksi<\/span>bisa<\/span> tumbuh<\/span> 9,79% pada <\/span>triwulan<\/span> I\/2024, <\/span>sementara<\/span> pada <\/span>triwulan<\/span> IV\/2024 <\/span>naik<\/span> 9,43%.<\/span>Sehingga<\/span> u<\/span>ntuk<\/span> p<\/span>erekonomian<\/span> Jawa<\/span> Timur pada 2024 <\/span>diproyeksikan<\/span> tumbuh<\/span>4,7%-5,5%<\/span> dengan<\/span> motor <\/span>utama<\/span> investasi<\/span> dan <\/span>konsumsi<\/span>.\u00a0<\/span><\/p>\n

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Kepala<\/span> Eksekutif<\/span> Pengawas<\/span> Perbankan<\/span> OJK Dian <\/span>Ediana<\/span> Rae<\/span> juga <\/span>mengatakan<\/span>, <\/span>s<\/span>elama<\/span> empat<\/span> tahun<\/span> implementasi<\/span> kebijakan<\/span> restrukturisasi<\/span> kredit<\/span>, <\/span>pemanfaatan<\/span>stimulus <\/span>tersebut<\/span> telah mencapai<\/span> Rp<\/span> 830,2 <\/span>triliun<\/span> yang <\/span>diberikan<\/span> kepada<\/span> 6,68 <\/span>juta<\/span>debitur<\/span> pada <\/span>Oktober<\/span> 2020. <\/span>\u201d<\/span>Sebanyak<\/span> 75 <\/span>persen<\/span> dari<\/span> total <\/span>debitur<\/span> penerima<\/span> stimulus <\/span>adalah<\/span> segmen<\/span> UMKM<\/span> atau<\/span> sebanyak<\/span> 4,96 <\/span>juta<\/span> debitur<\/span> dengan<\/span> total outstanding Rp<\/span>348,8 <\/span>triliu<\/span>n<\/span>,\u201d <\/span>paparnya<\/span>.<\/span><\/p>\n

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Dian <\/span>menyebut<\/span>, <\/span>s<\/span>ejalan<\/span> dengan<\/span> pemulihan<\/span> ekonomi<\/span> yang <\/span>terjadi<\/span>, <\/span>tren<\/span> kredit<\/span>restrukturisasi<\/span> terus<\/span> mengalami<\/span> penurunan<\/span> baik<\/span> dari<\/span> sisi<\/span> outstanding <\/span>maupun<\/span> jumlah<\/span>debitur<\/span>. Pada <\/span>Januari<\/span> 2024, outstanding <\/span>kredit<\/span> restrukturisasi<\/span> Covid-19 <\/span>telah<\/span> menurun<\/span>signifikan<\/span> menjadi<\/span> sebesar<\/span> Rp251,2 <\/span>triliun<\/span> yang <\/span>diberikan<\/span> kepada<\/span> 977 <\/span>ribu<\/span> debitur<\/span>.<\/span><\/p>\n

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\u201dOutstanding<\/span> kredit<\/span> restrukturisasi<\/span> Covid-19 <\/span>perbankan<\/span> memang<\/span> terus<\/span> mengalami<\/span>penurunan<\/span> namun<\/span> tingkat<\/span> pencadangan<\/span> (CKPN) yang <\/span>dibentuk<\/span> Bank <\/span>terus<\/span> meningkat<\/span>, <\/span>melebihi<\/span> periode<\/span> sebelum<\/span> pandemi<\/span>. <\/span>Kondisi<\/span> ini<\/span> merupakan<\/span> cerminan<\/span> kesiapan<\/span>perbankan<\/span> yang <\/span>dinilai<\/span> telah<\/span> kembali<\/span> pada <\/span>kondisi<\/span> normal <\/span>secara<\/span> terkendali<\/span> (soft landing) <\/span>mengakhiri<\/span> periode<\/span> stimulus<\/span>,\u201d tegasnya.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

SURABAYA, nawacita – Otoritas Jasa Keuangan (OJK) telah resmi mengakhirikebijakan stimulus restrukturisasi kredit perbankan untuk dampak Covid-19 pada 31 Maret 2024. Berakhirnya kebijakan tersebut konsisten dengan pencabutan status pandemi Covid-19 oleh pemerintah pada Juni 2023, serta mempertimbangkanperekonomian Indonesia yang telah pulih dari dampak pandemi. Termasuk kondisisektor riil. Ketua Dewan Komisioner OJK Mahendra Siregar mengatakan, restrukturisasi […]<\/p>\n","protected":false},"author":389,"featured_media":206889,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9596],"tags":[76202,14372,32204],"class_list":{"0":"post-206888","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bumd","8":"tag-kinerja-perbankan","9":"tag-ojk-2","10":"tag-restrukturisasi-kredit"},"yoast_head":"\nKinerja Perbankan Pulih, OJK Akhiri Kebijakan Restrukturisasi Kredit - Nawacita<\/title>\n<meta name=\"description\" content=\"SURABAYA, nawacita - Otoritas Jasa Keuangan (OJK) telah resmi mengakhirikebijakan stimulus restrukturisasi kredit perbankan untuk dampak\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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