{"id":14548,"date":"2025-09-16T10:23:31","date_gmt":"2025-09-16T10:23:31","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=14548"},"modified":"2025-09-16T10:24:31","modified_gmt":"2025-09-16T10:24:31","slug":"bank-bumn-kenyang-likuiditas-bpr-kekurangan-napas","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/16\/bank-bumn-kenyang-likuiditas-bpr-kekurangan-napas\/","title":{"rendered":"Bank BUMN Kenyang Likuiditas, BPR Kekurangan Napas"},"content":{"rendered":"<p><a href=\"http:\/\/ppmindonesia.com\"><b>ppmindonesia.com<\/b><\/a><b>. Jakarta,<\/b><span style=\"font-weight: 400;\"> Kompas \u2014 Dana segar Rp200 triliun resmi digelontorkan pemerintah ke bank-bank milik negara. Tujuannya jelas: memperkuat likuiditas dan mempercepat penyaluran kredit, terutama untuk menggerakkan ekonomi nasional. Pasar keuangan merespons cepat. Saham perbankan melonjak, IHSG ikut menguat.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, di balik sorak sorai bursa, pertanyaan kritis muncul: bagaimana nasib bank-bank kecil, terutama <a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/16\/bank-bumn-kenyang-likuiditas-bpr-kekurangan-napas\/\">Bank Perkreditan Rakya<\/a>t (BPR) dan Bank Pembangunan Daerah (BPD), yang justru lebih dekat dengan rakyat kecil dan sektor UMKM?<\/span><\/p>\n<p><b>UMKM Belum Jadi Prioritas<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Data Otoritas Jasa Keuangan (OJK) mencatat, hingga 2023 sekitar 69,5 persen UMKM belum mendapatkan akses kredit perbankan. Padahal pemerintah sudah menyiapkan skema Kredit Usaha Rakyat (KUR) dengan subsidi bunga 9-10 persen, sehingga bunga yang ditanggung UMKM hanya sekitar 6 persen\u2014jauh lebih rendah dibandingkan kredit komersial yang mencapai 15-16 persen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Namun, penyaluran tetap seret. Tahun 2024, pemerintah menargetkan 60 persen dari total KUR senilai Rp282,4 triliun mengalir ke sektor produksi. Faktanya, realisasi hanya Rp163,28 triliun atau 57,81 persen. Target tak tercapai.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cKalau KUR saja tersendat, padahal sudah ada subsidi, bagaimana dengan Rp200 triliun yang ditempatkan di bank-bank besar dengan bunga normal 4 persen? UMKM jelas akan makin sulit mengaksesnya,\u201d ujar Anwar, Sekretaris Jenderal Pusat Peranserta Masyarakat (PPM) Nasional.<\/span><\/p>\n<p><b>Likuiditas Tak Tersalur<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Bank BUMN sendiri selama ini tidak benar-benar kekurangan dana. Justru mereka cenderung menempatkan likuiditas di Surat Berharga Negara (SBN) yang menawarkan imbal hasil lebih tinggi daripada deposito. Penempatan dana pemerintah yang besar itu berisiko hanya menambah kenyamanan bank besar, alih-alih memperluas akses kredit ke sektor riil.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sementara itu, BPR dan BPD yang beroperasi dekat dengan pelaku usaha kecil di daerah, justru kekurangan napas. Mereka kesulitan menyalurkan kredit karena terbatasnya dana dan likuiditas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cSeharusnya pemerintah memikirkan distribusi dana ke bank-bank daerah atau BPR. Dengan begitu, penyaluran kredit bisa lebih merata, UMKM daerah terbantu, dan ekonomi lokal bergerak,\u201d tambah Anwar.<\/span><\/p>\n<p><b>Peluang yang Hilang<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pusat Peranserta Masyarakat menilai penempatan dana triliunan rupiah di bank-bank besar memang strategi berani, tetapi kurang tepat sasaran. Jika pemerintah fokus memperkuat bank kecil dan BPR, dampaknya bisa langsung dirasakan sektor UMKM\u2014pertanian, perdagangan lokal, hingga industri rumahan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebaliknya, jika dana hanya berputar di bank besar dan korporasi mapan, kesempatan emas untuk memperkuat fondasi ekonomi rakyat bisa hilang.<\/span><\/p>\n<p><b>Rakyat Kecil Menunggu Bukti<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pemerintah boleh saja berargumen bahwa dana Rp200 triliun itu akan menggerakkan perekonomian. Tetapi rakyat kecil menunggu bukti, bukan sekadar janji. Bagi mereka, akses pembiayaan yang mudah dan murah jauh lebih penting ketimbang angka pertumbuhan di laporan tahunan bank.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Kenyataannya hari ini, <\/span>bank-bank BUMN kenyang likuiditas, sementara BPR dan UMKM di daerah kekurangan napas. (acank)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com. Jakarta, Kompas \u2014 Dana segar Rp200 triliun&#8230;<\/p>\n","protected":false},"author":4,"featured_media":14549,"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 ; acank | Editor ; asyary |","footnotes":""},"categories":[208,36],"tags":[2119,2122,2120,2121],"newstopic":[],"class_list":["post-14548","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-nasional","tag-bank-bumn","tag-bpd","tag-bpr","tag-likuiditas-bank"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank BUMN Kenyang Likuiditas, BPR Kekurangan Napas - 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\/bank-bumn-kenyang-likuiditas-bpr-kekurangan-napas\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank BUMN Kenyang Likuiditas, BPR Kekurangan Napas - ppmindonesia\" \/>\n<meta property=\"og:description\" content=\"ppmindonesia.com. 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