{"id":3312,"date":"2024-05-20T12:00:05","date_gmt":"2024-05-20T05:00:05","guid":{"rendered":"http:\/\/34.101.166.12\/blog\/?p=3312"},"modified":"2025-10-30T18:20:40","modified_gmt":"2025-10-30T11:20:40","slug":"mengenal-obligasi-fr-fixed-rate","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/investasi\/mengenal-obligasi-fr-fixed-rate\/","title":{"rendered":"Mengenal Obligasi FR (Fixed Rate): Pengertian, Keuntungan, dan Risikonya"},"content":{"rendered":"<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Obligasi FR atau <em>f<\/em><\/span><i><span style=\"font-weight: 400;\">ixed rate<\/span><\/i><span style=\"font-weight: 400;\"> merupakan salah satu instrumen investasi yang dinilai aman dan memberikan banyak keuntungan. Yuk, berkenalan lebih dekat dengan aset kekayaan satu ini.<\/span><\/p>\n<p style=\"text-align: left;\"><!--more--><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Selain deposito atau lainnya, instrumen satu ini juga mulai popular di masyarakat yang ingin mengembangkan kekayaannya dengan cara berinvestasi.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dengan obligasi FR yang bagus, para investor akan mendapatkan imbal hasil atau <\/span><i><span style=\"font-weight: 400;\">yield<\/span><\/i><span style=\"font-weight: 400;\"> yang lebih besar jika dibandingkan berinvestasi dengan deposito.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Blog SkorLife<\/span><span style=\"font-weight: 400;\"> telah merangkum dari berbagai sumber untuk membahas instrumen investasi ini.\u00a0<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Apa Itu Obligasi FR?<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mengutip laman Sikapiuangmu.ojk.go.id, obligasi FR (<em>f<\/em><\/span><i><span style=\"font-weight: 400;\">ixed rate<\/span><\/i><span style=\"font-weight: 400;\">) adalah surat utang yang diterbitkan oleh pemerintah dalam jangka waktu tertentu melalui kupon tetap.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Keuntungan obligasi <em>fi<\/em><\/span><i><span style=\"font-weight: 400;\">xed rate<\/span><\/i><span style=\"font-weight: 400;\"> tentu sama seperti investasi ORI (obligasi ritel Indonesia), SBN (Surat Berharga Negara), dan sukuk (surat berharga syariah) yang menggunakan kupon dan dibayarkan secara reguler hingga waktu jatuh tempo.<\/span><\/p>\n<p><em>By the way<\/em>, ORI dan sukuk ini juga termasuk ke dalam salah satu contoh bentuk obligasi pemerintah yang dibahas dalam artikel sebelumnya.<\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hanya saja ada perbedaan obligasi FR dan SBN, ORI maupun sukuk yang terletak pada periode pembayaran kupon.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Untuk investasi ORI, SBN, dan sukuk, investor akan menerima kupon yang dibayarkan setiap 1 bulan sekali.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sedangkan kupon pada surat utang ini dibayarkan setiap enam bulan sekali dengan nilai sama. Investor harus mengetahui hal ini ya.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Lantas, apakah obligasi FR kena pajak?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Perlu untuk diketahui, kupon obligasi <em>f<\/em><\/span><i><span style=\"font-weight: 400;\">ixed rate<\/span><\/i><span style=\"font-weight: 400;\"> yang ditawarkan tersebut akan dikenakan pajak sebesar 10% dengan pembayaran setiap 6 bulan sekali.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Meski demikian, investor akan memperoleh keuntungan melalui kupon tetap dan berpeluang mendapat <\/span><i><span style=\"font-weight: 400;\">capital gain<\/span><\/i><span style=\"font-weight: 400;\"> di pasar sekunder. Obligasi ini bisa dijual sebelum jatuh tempo.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nah, setelah memahami obligasi FR itu apa sih, kini saatnya kamu mengetahui pula sejumlah kelebihan dari instrumen investasi ini.<\/span><\/p>\n<figure id=\"attachment_3389\" class=\"wp-caption alignnone\" ><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-3389 size-full\" src=\"http:\/\/34.101.166.12\/blog\/wp-content\/uploads\/2024\/05\/mengenal-obligasi-FR.jpg\" alt=\"mengenal obligasi FR\" width=\"843\" height=\"515\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/05\/mengenal-obligasi-FR.jpg 843w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/05\/mengenal-obligasi-FR-300x183.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/05\/mengenal-obligasi-FR-768x469.jpg 768w\" sizes=\"auto, (max-width: 843px) 100vw, 843px\" \/><figcaption class=\"wp-caption-text\">Foto: Kementerian Keuangan\/Kontan.co.id<\/figcaption><\/figure>\n<h2 style=\"text-align: left;\"><b>Keuntungan Obligasi Fixed Rate<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Seperti halnya instrumen investasi lain, berinvestasi pada obligasi punya sejumlah kelebihan yang dapat menguntungkan para pemiliknya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Blog SkorLife merangkum keuntungan instrumen investasi satu ini dari berbagai sumber.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. Imbal Hasil Lebih Tinggi<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kalau kamu ingin berinvestasi dengan imbal hasil atau <\/span><i><span style=\"font-weight: 400;\">yield<\/span><\/i><span style=\"font-weight: 400;\"> tinggi, maka obligasi <em>f<\/em><\/span><i><span style=\"font-weight: 400;\">ixed rate<\/span><\/i><span style=\"font-weight: 400;\"> bisa jadi salah satu pilihannya.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mengutip Kompas.com, rata-rata imbal hasil obligasi <em>f<\/em><\/span><i><span style=\"font-weight: 400;\">ixed rate<\/span><\/i><span style=\"font-weight: 400;\"> adalah berkisar 5% hingga 7% per tahun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Selain itu, pajak yang dikenakan pada obligasi FR juga hanya 10%. Tentu angka ini lebih rendah apabila dibandingkan pajak deposito yang berada pada angka 20%.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. <\/b><b><i>Yield<\/i><\/b><b> Bisa Ditetapkan<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kelebihan obligasi <em>fi<\/em><\/span><i><span style=\"font-weight: 400;\">xed rate<\/span><\/i><span style=\"font-weight: 400;\"> berikutnya yakni memiliki <\/span><i><span style=\"font-weight: 400;\">yield<\/span><\/i><span style=\"font-weight: 400;\"> atau imbal hasil yang dapat ditetapkan saat membeli.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Dengan demikian, investor tak perlu merasa khawatir adanya kemungkinan perubahan nilai bunga.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>3. Tersedia Kupon Setiap 6 Bulan<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Keuntungan obligasi <em>f<\/em><\/span><i><span style=\"font-weight: 400;\">ixed rate<\/span><\/i><span style=\"font-weight: 400;\"> lainnya adalah tersedianya kupon setiap 6 bulan sekali.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kupon ini nantinya akan ditransfer secara langsung kepada nasabah secara rutin, meski kondisi perekonomian menurun.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Tentu para investor bisa memanfaatkan instrumen investasi ini sebagai aset yang mendatangkan <\/span><i><span style=\"font-weight: 400;\">passive income<\/span><\/i><span style=\"font-weight: 400;\"> yang menguntungkan.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>4. Dijamin oleh Negara<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Karena obligasi FR merupakan surat utang yang diterbitkan pemerintah, maka keamanannya 100% dijamin oleh negara.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Mengutip dari Bisnis.tempo.co, instrumen investasi ini memiliki sifat <\/span><i><span style=\"font-weight: 400;\">risk-free asset<\/span><\/i><span style=\"font-weight: 400;\"> atau hampir tidak ada risiko gagal bayar.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Meski jatuh temponya lama, kamu masih bisa menjualnya di pasar sekunder dan telah terjamin likuiditasnya.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>5. Bisa Dijual Sebelum Jatuh Tempo<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kapan obligasi FR bisa dijual?<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Berdasarkan artikel di Ocbc.id, obligasi <\/span><i><span style=\"font-weight: 400;\">fixed rate<\/span><\/i><span style=\"font-weight: 400;\"> adalah surat utang yang bisa dijual kapan saja atau sebelum jatuh tempo, tanpa terkena penalti.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Hal ini tentu menjadi keuntungan tersendiri bagi investor ketika mereka membutuhkan dana cepat dan bisa menjual aset obligasi yang mereka punya.<\/span><\/p>\n<h2 style=\"text-align: left;\"><b>Risiko Obligasi Fixed Rate<\/b><\/h2>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Seperti dua sisi mata koin, bila ada keuntungan pastinya juga ada kekurangan dari instrumen investasi ini.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Berikut ini risiko investasi yang harus dipahami oleh para investor.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>1. <\/b><b><i>Capital Loss<\/i><\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Salah satu risiko obligasi FR yang bisa mengenai para investor adalah <\/span><i><span style=\"font-weight: 400;\">capital loss<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Untuk dipahami, <\/span><i><span style=\"font-weight: 400;\">capital loss<\/span><\/i><span style=\"font-weight: 400;\"> adalah kerugian yang diakibatkan dari berkurangnya nilai aset karena menjualnya dengan harga yang lebih rendah dibandingkan ketika kamu membelinya.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>2. Risiko Suku Bunga<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Risiko investasi lainnya dari instrumen satu ini adalah suku bunga yang dapat mempengaruhi nilai obligasi di pasar sekunder.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Adanya ekspektasi terhadap suku bunga bisa berdampak pada terjadinya risiko <\/span><i><span style=\"font-weight: 400;\">capital loss<\/span><\/i><span style=\"font-weight: 400;\"> yang akan dialami oleh investor.<\/span><\/p>\n<h3 style=\"text-align: left;\"><b>3. Gagal Bayar<\/b><\/h3>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kerugian obligasi FR yang terakhir adalah adanya potensi kemungkinan gagal bayar.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Kondisi gagal bayar bisa terjadi ketika pemerintah tidak mampu melakukan pembayaran kupon meski batas waktunya tiba.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Namun, bila mengingat obligasi merupakan instrumen investasi yang dijamin oleh pemerintah, maka risiko gagal bayar sangat kecil kemungkinannya untuk terjadi.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Demikianlah beberapa informasi penting mengenai obligasi FR yang harus diketahui oleh para investor pemula.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Semoga artikel ini bermanfaat dan dapat menambah pengetahuan untuk, kamu ya!<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Sebelumnya, ada ulasan mengenai investasi saham syariah, salah satu instrumen yang juga mendatangkan keuntungan besar.\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Nantikan update mengenai berita ekonomi, bisnis, keuangan, panduan investasi, hingga gaya hidup hanya di <\/span><span style=\"font-weight: 400;\">blog SkorLife<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"font-weight: 400;\">Bagi kamu yang berencana ingin berinvestasi membeli apartemen di Bandung, yuk cek dulu skor kreditnya pada <\/span><a href=\"https:\/\/skorlife.com\/id\/\" data-wpel-link=\"external\" target=\"_blank\" rel=\"external noopener noreferrer\"><span style=\"font-weight: 400;\">aplikasi SkorLife <\/span><\/a><span style=\"font-weight: 400;\">melalui <\/span><i><span style=\"font-weight: 400;\">smartphone<\/span><\/i><span style=\"font-weight: 400;\">.<\/span><\/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-7559\" src=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1024x512.jpg\" alt=\"\" width=\"800\" height=\"400\" srcset=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1024x512.jpg 1024w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-300x150.jpg 300w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-768x384.jpg 768w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-1536x768.jpg 1536w, https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/07\/Banner-Skorlife-Cek-Riwayat-Peluang-Kredit-approved-2048x1024.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Obligasi FR atau fixed rate merupakan salah satu instrumen investasi yang dinilai aman dan memberikan banyak keuntungan. Yuk, berkenalan lebih<\/p>\n","protected":false},"author":15,"featured_media":3388,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[105],"class_list":["post-3312","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investasi","tag-obligasi"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mengenal Obligasi FR (Fixed Rate)<\/title>\n<meta name=\"description\" content=\"Obligasi FR atau fixed rate merupakan salah satu instrumen investasi yang dinilai aman dan memberikan banyak keuntungan.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skorlife.com\/blog\/investasi\/mengenal-obligasi-fr-fixed-rate\/\" \/>\n<meta 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