{"id":1009,"date":"2023-06-29T15:29:49","date_gmt":"2023-06-29T08:29:49","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=1009"},"modified":"2025-10-20T12:57:39","modified_gmt":"2025-10-20T05:57:39","slug":"apa-sebenarnya-npl","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/skorlifepedia\/apa-sebenarnya-npl\/","title":{"rendered":"Non-Performing Loan, Apa Itu Sebenarnya?"},"content":{"rendered":"<p>Sesuai dengan namanya, <em>Non-Performing Loan<\/em> atau yang kerap disebut dengan NPL adalah sebuah kondisi perkreditan di sebuah institusi keuangan yang tergolong memiliki performa kurang baik.<\/p>\n<p>Bahasa sederhananya, NPL adalah istilah yang digunakan apabila terdapat masalah dalam pembayaran pinjaman. Penyebabnya bisa beragam, baik dari internal perusahaan maupun eksternal perusahaan.<\/p>\n<p>Secara otomatis, kondisi NPL akan mengurangi profit sebuah perusahaan bahkan mempengaruhi kondisi ekonomi negara. Lalu, apa sebenarnya NPL itu?<\/p>\n<p>Dalam artikel ini akan kita bahas satu per satu mengenai NPL, yuk kita simak bersama ya!<\/p>\n<hr \/>\n<h2><strong>Apa itu Non-Performing Loan<\/strong><\/h2>\n<p>Jika kamu familiar dengan istilah kol-1 hingga kol-5 dalam status kolektibilitas, untuk NPL ini adalah kredit dengan status kol-3, kol-4, dan juga kol-5. Artinya, kredit dengan tunggakan di atas 90 hari, sudah terhitung sebagai NPL.<\/p>\n<p>NPL adalah salah satu indeks keuangan pada institusi keuangan. Semakin rendah tingkat NPL, semakin sehat sebuah institusi karena artinya kualitas asetnya tergolong baik. Begitu pula sebaliknya.<\/p>\n<hr \/>\n<h2><strong>Rumus Rasio NPL sesuai Bank Indonesia<\/strong><\/h2>\n<p>Untuk dapat mengetahui rasio NPL, rumus yang dapat digunakan adalah sebagai berikut:<\/p>\n<p><strong>Rasio NPL = (Total NPL \/ Total Kredit ) x 100%<\/strong><\/p>\n<p>Pada peraturan Bank Indonesia No.06\/10\/PBI\/2004 12 April 2004 mengenai Sistem Penilaian Tingkat Kesehatan Bank Umum mengungkapkan bahwa rasio dari NPL adalah sebesar 5%.<\/p>\n<p>Lengkapnya, berikut kategori kualitas aset berdasarkan rasio NPL.<\/p>\n<ul>\n<li>NPL &lt; 2%: Sangat sehat<\/li>\n<li>2% &lt; NPL &lt; 5%: Sehat<\/li>\n<li>5% &lt; NPL &lt; 8%: Cukup sehat<\/li>\n<li>8% &lt; NPL &lt; 12%: Kurang sehat<\/li>\n<li>NPL &gt; 12%: Tidak sehat<\/li>\n<\/ul>\n<hr \/>\n<h2><strong>Mengapa NPL bisa terjadi<\/strong><\/h2>\n<p>Penyebab tingginya rasio NPL bisa dikategorikan menjadi dua. Internal dan eksternal.<\/p>\n<p>Penyebab internal misalnya kurang tepatnya analisa bank dalam memeriksa pengajuan pinjaman, terdapat <em>fraud<\/em> oleh pihak tidak bertanggung jawab, dan lainnya yang berasal dari institusi keuangan itu sendiri.<\/p>\n<p>Penyebab eksternal bisa terjadi karena beberapa hal seperti misalnya ketidakmampuan peminjam dalam membayar kewajiban. Faktor lain seperti kondisi ekonomi negara dan global juga dapat mempengaruhi hal ini.<\/p>\n<p>Selain itu, faktor eksternal juga bisa disebabkan oleh <em>force majeure<\/em>. Contohnya apabila terjadi bencana alam yang menyebabkan kondisi ekonomi melemah dan berakibat pada kualitas pembayaran peminjam maupun kemampuan institusi dalam menyalurkan pinjaman.<\/p>\n<hr \/>\n<h2><strong>Apa resiko dari NPL<\/strong><\/h2>\n<h3><strong>Likuiditas<\/strong><\/h3>\n<p>Masalah ini merupakan kondisi ketika institusi keuangan sudah tidak lagi memiliki kemampuan untuk membayar pihak ketiga bahkan pegawainya sendiri.<\/p>\n<h3><strong>Rentabilitas<\/strong><\/h3>\n<p>Kondisi ini terjadi apabila peminjam atau debitur sudah tidak lagi dapat membayar pinjaman yang menjadi tanggung jawabnya. Debitur menghindar, memutus kontak secara total, ataupun kasus lain yang menyebabkan tidak terbayarnya hutang yang dimiliki.<\/p>\n<h3><strong>Solvabilitas<\/strong><\/h3>\n<p>NPL menyebabkan modal institusi keuangan mengalami penurunan jumlah modal, hal inilah yang disebut sebagai solvabilitas. Akhirnya, bank mengalami kendala dalam menyelesaikan tanggung jawabnya.<\/p>\n<hr \/>\n<h2><strong>Solusi apabila terdapat NPL<\/strong><\/h2>\n<p>Salah satu cara yang bisa dijadikan solusi adalah dengan relaksasi kredit. Berdasarkan OJK, relaksasi kredit adalah upaya perbaikan yang dilakukan dalam aktivitas perkreditan kepada debitur.<\/p>\n<p>Relaksasi kredit diatur dalam POJK No. 11\/POJK.03\/2020 dan hanya berlaku bagi sektor usaha yang bisnisnya terdampak COVID-19. Seperti pariwisata, transportasi, hotel, F&amp;B, ritel, <em>multifinance<\/em>, farmasi, pertanian, pertambangan, hingga otomotif<strong>.<\/strong><\/p>\n<p>Hal yang sama juga berlaku bagi para debitur. Debitur yang terdampak COVID-19 yang dapat mengajukan relaksasi kredit.<\/p>\n<p>Apabila relaksasi kredit ini belum bisa menyelesaikan masalah NPL, maka pihak dapat melakukan Tindakan selanjutnya yaitu penghapusan kredit macet atau kerap disebut dengan istilah <em>write-off<\/em>.<\/p>\n<p><em>Write-off<\/em> terbagi dalam dua tahap yaitu hapus buku atau penghapusan secara bersyarat atau disebut juga sebagai <em>conditional write-off<\/em>. Tahap selanjutnya adalah hapus tagih atau penghapusan secara mutlak atau <em>absolute write-off<\/em>.<\/p>\n<p>Begitu kira-kira penjelasan mengenai NPL. Semoga dapat menjadi insight untuk kamu saat berniat mengajukan pinjaman.<\/p>\n<p><a href=\"https:\/\/skorlife.go.link\/8IqIg?utm_source=skorlife_blog&amp;utm_medium=banner&amp;utm_campaign=cta_skorlife\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7558 size-large\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-all-Feature-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sesuai dengan namanya, Non-Performing Loan atau yang kerap disebut dengan NPL adalah sebuah kondisi perkreditan di sebuah institusi keuangan yang<\/p>\n","protected":false},"author":15,"featured_media":1088,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1009","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-skorlifepedia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Non-Performing Loan, Apa Itu Sebenarnya? - Skorlife<\/title>\n<meta name=\"description\" content=\"Sering mendengar istilah NPL tapi belum paham artinya? 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