{"id":3177,"date":"2024-05-12T18:00:18","date_gmt":"2024-05-12T11:00:18","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=3177"},"modified":"2025-10-30T18:00:58","modified_gmt":"2025-10-30T11:00:58","slug":"industri-pinjol-masih-merugi","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/berita\/industri-pinjol-masih-merugi\/","title":{"rendered":"Industri Pinjol Masih Merugi pada Awal 2024. Penyebabnya Penurunan Bunga Pinjaman"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">KSSK mengungkapkan industri pinjol masih merugi pada awal 2024 yang disebabkan oleh aturan bunga pinjaman.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hasil rapat dari Komite Stabilitas Sistem Keuangan (KSSK) pada beberapa waktu lalu mengungkapkan sejumlah hal mengenai pinjol.\u00a0\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Komite ini memiliki anggota yaitu Menteri Keuangan, Gubernur <a href=\"https:\/\/www.bi.go.id\/id\/default.aspx\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">Bank Indonesia<\/a> (BI), Ketua Dewan Komisioner Otoritas Jasa Keuangan (OJK), dan Ketua Dewan Komisioner Lembaga Penjamin Simpanan (LPS).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu laporan hasil rapat KSSK II ini menyatakan mengenai pertumbuhan luar biasa pada bisnis pembiayaan pinjaman <\/span><i><span style=\"font-weight: 400;\">online<\/span><\/i><span style=\"font-weight: 400;\"> yang mencapai Rp62,17 triliun pada Maret 2024.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Pinjaman <\/span><i><span style=\"font-weight: 400;\">online<\/span><\/i><span style=\"font-weight: 400;\"> atau pinjol sesungguhnya merupakan <\/span><i><span style=\"font-weight: 400;\">peer-to-peer lending<\/span><\/i><span style=\"font-weight: 400;\"> (P2P <\/span><i><span style=\"font-weight: 400;\">lending<\/span><\/i><span style=\"font-weight: 400;\">) yang dilaksanakan oleh perusahaan fintech.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\">Blog SkorLife merangkum dari Bisnis.com untuk membahas industri pinjaman <em>online<\/em> di Indonesia.<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Meski industri ini mencatatkan pertumbuhan pembiayaan, tetapi ternyata masih mengalami kerugian senilai Rp135,6 miliar pada Januari 2024.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Data statistik OJK mengungkapkan bahwa kerugian tersebut menurun pada Februari 2024 yang tercatat Rp97,55 miliar.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Namun, hal ini berbeda dengan dibandingkan pada tahun sebelumnya ketika bisnis P2P <\/span><i><span style=\"font-weight: 400;\">lending<\/span><\/i><span style=\"font-weight: 400;\"> sukses mencetak laba sebesar Rp98,25 miliar pada Februari 2023.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bisnis ini masih terus membukukan laba sampai akhir Desember 2023 yang tercatat mencapai Rp478 miliar.\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><strong>Penyebab Industri Pinjol Masih Merugi pada Awal 2024<\/strong><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu faktor yang menyebabkan industri pinjol ini mengalami kerugian adalah aturan penurunan bunga P2P <\/span><i><span style=\"font-weight: 400;\">lending<\/span><\/i><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hal ini diungkapkan oleh Direktur Eksekutif AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia) Yasmine Meylia Sembiring.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Ketentuan itu telah diatur dalam Surat Edaran OJK (SEOJK) Nomor 19 Tahun 2023 tentang Penyelenggaraan Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI).<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bunga pinjaman yang sebelumnya maksimum 0,4 persen per hari turun secara bertahap sejak Januari 2024.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Untuk pendanaan produktif, suku bunga turun menjadi maksimum 0,1 persen pada Januari 2024. Bunga untuk pendanaan konsumtif ditetapkan menjadi maksimum 0,3 persen per hari.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Yasmine menyatakan kalau penurunan bunga tidak hanya berpengaruh kepada jumlah yang dibayarkan oleh peminjam kepada perusahaan fintech P2P lending.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Selain itu, korporasi <\/span><i><span style=\"font-weight: 400;\">fintech<\/span><\/i><span style=\"font-weight: 400;\"> pun semakin selektif dalam menawarkan pinjaman kepada calon konsumen.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">\u201cManfaat ekonomi itu kan pengaruh langsungnya ke risiko, makin tinggi manfaat ekonomi makin banyak <\/span><i><span style=\"font-weight: 400;\">borrower<\/span><\/i><span style=\"font-weight: 400;\"> yang bisa kami tawarkan karena risikonya lebih luas,\u201c ujar Yasmine.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Tidak hanya itu, faktor lain adalah pembatasan jumlah pinjaman ke platform dibandingkan waktu sebelumnya.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Saat ini, peminjam hanya bisa meminjam di tiga platform P2P <\/span><i><span style=\"font-weight: 400;\">lending<\/span><\/i><span style=\"font-weight: 400;\"> saja, padahal sebelumnya bisa sampai lima atau enam platform <\/span><i><span style=\"font-weight: 400;\">fintech<\/span><\/i><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p>Pastikan kamu selalu mengikuti <em>update<\/em> blog SkorLife untuk mengikuti berita dan artikel mengenai investasi emas hingga obligasi.<\/p>\n<p>Sebelum mengajukan kredit pemilikan rumah atau KPR, cek terlebih dulu skor kredit kamu di <a href=\"https:\/\/skorlife.com\/id\/\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">aplikasi SkorLife<\/a> melalui <em>smartphone.<\/em><\/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 size-large wp-image-7558\" 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>KSSK mengungkapkan industri pinjol masih merugi pada awal 2024 yang disebabkan oleh aturan bunga pinjaman.\u00a0<\/p>\n","protected":false},"author":15,"featured_media":3212,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[99,98],"class_list":["post-3177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","tag-p2p-lending","tag-pinjol"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - 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