{"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":"2026-08-20T13:28:31","modified_gmt":"2026-08-20T06:28:31","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><!-- fs-anchor 2026-08-20 --><\/p>\n<p class=\"fs-lead\">Industri pinjaman online atau pinjol masih mencatat kerugian pada awal 2024 meskipun pertumbuhan pembiayaannya mencapai Rp62,17 triliun per Maret 2024. Berdasarkan hasil rapat KSSK dan data OJK, kerugian tercatat Rp135,6 miliar pada Januari 2024 dan Rp97,55 miliar pada Februari 2024. Penyebab utamanya adalah aturan penurunan bunga pinjaman dari maksimal 0,4 persen menjadi 0,1 persen untuk produktif dan 0,3 persen untuk konsumtif sesuai SEOJK Nomor 19 Tahun 2023.<\/p>\n<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<figure><img decoding=\"async\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2026\/06\/industri-pinjol-masih-merugi-body1.png\" alt=\"Industri Pinjol Masih Merugi pada Awal 2024. Penyebabnya Penurunan Bunga Pinjaman \u2014 ilustrasi 1\" style=\"width:100%;height:auto;border-radius:12px;margin:18px 0\" \/><\/figure>\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>Industri pinjaman online atau pinjol masih mencatat kerugian pada awal 2024 meskipun pertumbuhan pembiayaannya mencapai Rp62,17 triliun per Maret 2024.<\/p>\n","protected":false},"author":15,"featured_media":3212,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"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 v28.2 - 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