{"id":14540,"date":"2025-09-16T07:52:23","date_gmt":"2025-09-16T07:52:23","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=14540"},"modified":"2025-09-16T07:53:03","modified_gmt":"2025-09-16T07:53:03","slug":"kredit-macet-di-hulu-peluang-umkm-hilang-di-hilir","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/16\/kredit-macet-di-hulu-peluang-umkm-hilang-di-hilir\/","title":{"rendered":"Kredit Macet di Hulu, Peluang UMKM Hilang di Hilir"},"content":{"rendered":"<p><strong>ppmidonesia.com<\/strong><span style=\"font-weight: 400;\"><strong>. Jakarta,<\/strong> \u2014 Pemerintah baru saja mengumumkan penempatan dana segar Rp200 triliun ke bank-bank milik negara. Tujuannya, memperkuat likuiditas dan mendorong penyaluran kredit agar roda ekonomi rakyat kembali bergerak. Namun, di balik optimisme itu, terselip persoalan klasik yang belum terselesaikan: <a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/16\/kredit-macet-di-hulu-peluang-umkm-hilang-di-hilir\/\">kredit macet<\/a> di hulu, akses terhambat di hilir.<\/span><\/p>\n<p><b>Target Tak Tercapai<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kredit Usaha Rakyat (KUR) selama ini menjadi instrumen andalan pemerintah untuk membantu usaha mikro, kecil, dan menengah (UMKM). Namun, realisasi penyaluran masih jauh dari target. Tahun 2024, pemerintah menargetkan 60 persen dari total penyaluran KUR sebesar Rp282,4 triliun mengalir ke sektor produksi. Faktanya, hanya Rp163,28 triliun atau 57,81 persen yang terealisasi.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Data Otoritas Jasa Keuangan (OJK) menunjukkan sekitar 69,5 persen UMKM masih belum mendapat akses pembiayaan perbankan. Padahal pemerintah telah memberi subsidi bunga hingga 9\u201310 persen agar kredit UMKM lebih terjangkau.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cJika KUR yang sudah mendapat subsidi saja masih seret, sulit membayangkan dana Rp200 triliun di bank BUMN benar-benar sampai ke UMKM kecil,\u201d kata Anwar, Sekretaris Jenderal Pusat Peranserta Masyarakat (PPM) Nasional.<\/span><\/p>\n<p><b>Bank Bermain Aman<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bank-bank besar lebih memilih bermain aman. Alih-alih menyalurkan kredit ke UMKM yang dinilai berisiko, dana kerap diparkir di instrumen keuangan seperti Surat Berharga Negara (SBN) yang memberi imbal hasil lebih pasti. Bagi bank, langkah ini lebih menguntungkan dan minim risiko.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, konsekuensinya jelas: UMKM yang menjadi tulang punggung ekonomi nasional tak kunjung mendapat napas tambahan. \u201cKalau kredit hanya berputar di lingkaran korporasi besar, maka peluang emas untuk menggerakkan ekonomi rakyat akan hilang,\u201d ujar\u00a0 Parito aktifis PPM penggiat UMKM\u00a0 \u00a0di Bekasi.<\/span><\/p>\n<p><b>Peluang yang Hilang<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bila dana benar-benar mengalir ke sektor riil\u2014pertanian, perdagangan, industri kecil, dan ekonomi kreatif\u2014efek gandanya akan besar. Produksi meningkat, lapangan kerja terbuka, dan konsumsi ikut menguat. Tetapi ketika kredit macet di hulu membuat bank semakin hati-hati, aliran dana ke hilir terhenti.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Inilah ironi pembangunan: modal negara melimpah, tetapi daya ungkit bagi ekonomi rakyat kecil tak terasa.<\/span><\/p>\n<p><b>Menanti Arah Baru<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pusat Peranserta Masyarakat (PPM) menilai, sudah waktunya pemerintah menata ulang strategi pembiayaan. Bank BUMN bisa fokus ke proyek besar, sementara bank pembangunan daerah (BPD) dan Bank Perkreditan Rakyat (BPR) diberdayakan untuk menyalurkan kredit UMKM.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cKalau jalurnya benar, dana triliunan bisa jadi bahan bakar ekonomi rakyat. Kalau salah arah, yang terjadi hanya kenyang likuiditas di bank besar, tapi lapar modal di warung kecil,\u201d ujar Anwar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kini, rakyat menunggu bukti. Sebab ketika <\/span><b>kredit macet di hulu, peluang UMKM hilang di hilir. <\/b>(emha)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmidonesia.com. Jakarta, \u2014 Pemerintah baru saja mengumumkan penempatan&#8230;<\/p>\n","protected":false},"author":4,"featured_media":14541,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"kia_subtitle":"Penulis; emha | Editor: asyary","footnotes":""},"categories":[208,39],"tags":[744,62,58],"newstopic":[],"class_list":["post-14540","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-umkm","tag-kredit-mikro","tag-kredit-usaha-rakyat","tag-kur"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kredit Macet di Hulu, Peluang UMKM Hilang di Hilir - ppmindonesia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/16\/kredit-macet-di-hulu-peluang-umkm-hilang-di-hilir\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit Macet di Hulu, Peluang UMKM Hilang di Hilir - ppmindonesia\" \/>\n<meta property=\"og:description\" content=\"ppmidonesia.com. 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