{"id":14610,"date":"2025-09-19T07:47:43","date_gmt":"2025-09-19T07:47:43","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=14610"},"modified":"2025-09-19T07:49:47","modified_gmt":"2025-09-19T07:49:47","slug":"kredit-nganggur-rp2-304-triliun-dpr-pertanyakan-efektivitas-suntikan-dana-pemerintah","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/19\/kredit-nganggur-rp2-304-triliun-dpr-pertanyakan-efektivitas-suntikan-dana-pemerintah\/","title":{"rendered":"Kredit Nganggur Rp2.304 Triliun, DPR Pertanyakan Efektivitas Suntikan Dana Pemerintah"},"content":{"rendered":"<p><b>ppmindonesia.com.Jakarta, <\/b>\u2014 Wakil Ketua Komisi XI DPR dari Fraksi PDI Perjuangan, Dolfie Othniel Frederic, menyoroti efektivitas kebijakan pemerintah yang menempatkan <a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/19\/kredit-nganggur-rp2-304-triliun-dpr-pertanyakan-efektivitas-suntikan-dana-pemerintah\/\">dana Rp200 triliun<\/a> di bank-bank milik negara atau Himpunan Bank Milik Negara (Himbara).<\/p>\n<p>Ia menilai, langkah itu justru berpotensi menambah beban perbankan, di tengah masih tingginya kredit menganggur yang mencapai Rp2.304 triliun per Juni 2025.<\/p>\n<p>\u201cBerapa sebenarnya kredit nganggur di perbankan? Menurut data Juni 2025 itu, senilai Rp2.304 triliun. Artinya, yang nganggur saja Rp2.000-an triliun, ditambah Rp200 triliun.<\/p>\n<p>Kita enggak tahu ini untuk apa. Yang Rp2.000 triliun saja belum bisa dimaksimalkan, masuk lagi Rp200 triliun, malah bikin beban,\u201d kata Dolfie dalam rapat kerja dengan Otoritas Jasa Keuangan (OJK) di Kompleks Parlemen, Jakarta, Rabu (17\/9\/2025).<\/p>\n<p>Menurut Dolfie, dana Rp200 triliun yang berasal dari Saldo Anggaran Lebih (SAL) pada akhirnya akan menjadi tanggungan rakyat. Pasalnya, sumber SAL berasal dari penerbitan Surat Berharga Negara (SBN) yang bunganya harus dibayar melalui Anggaran Pendapatan dan Belanja Negara (APBN). \u201cUang APBN itu uang rakyat. Kalau dampaknya negatif, ya rakyat juga yang ikut menanggung,\u201d ujarnya.<\/p>\n<p><b>LDR Tidak Pernah Tembus 90 Persen<\/b><\/p>\n<p>Politisi PDI-P itu juga mengkritik Loan to Deposit Ratio (LDR) perbankan yang cenderung stagnan di kisaran 85 persen, meskipun pemerintah telah menggelontorkan dana segar. LDR sempat naik menjadi 86,54 persen pada Juli 2025, namun kembali turun ke level 85,34 persen pada Agustus 2025. \u201cMau mengejar sampai 90 persen, saya enggak tahu bisa atau tidak, karena dunia usaha kita memang sedang lesu,\u201d katanya.<\/p>\n<p>Data OJK menunjukkan kredit menganggur pada Juni 2025 naik dibandingkan periode sama tahun lalu, dari Rp2.152 triliun menjadi Rp2.304 triliun. Sementara itu, pertumbuhan kredit per Agustus 2025 hanya 7,56 persen (year on year\/yoy), lebih rendah dibanding pertumbuhan Dana Pihak Ketiga (DPK) sebesar 8,63 persen.<\/p>\n<p><b>Kekhawatiran Stranded Asset<\/b><\/p>\n<p>Kebijakan pemerintah ini juga menuai kritik dari kalangan ekonom. Direktur Eksekutif Center of Economic and Law Studies (CELIOS) Bhima Yudhistira mengingatkan agar penempatan dana tidak serta-merta dimanfaatkan untuk membiayai proyek-proyek di sektor energi fosil. \u201cKalau dana itu diarahkan ke sektor yang salah, risikonya muncul stranded asset dan kredit macet. Harus hati-hati, jangan sampai justru melahirkan beban baru,\u201d katanya.<\/p>\n<p><b>Penjelasan OJK dan BI<\/b><\/p>\n<p>Menanggapi kritik tersebut, Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae, menegaskan kredit menganggur bukan berarti mandek. Menurutnya, undisbursed loan mencerminkan optimisme pelaku usaha yang menunggu momentum tepat untuk mencairkan kredit. \u201cPara pengusaha punya sense sendiri kapan mereka akan menggunakan pinjaman. Jadi, ini lebih soal timing, bukan ketiadaan permintaan,\u201d katanya.<\/p>\n<p>Gubernur Bank Indonesia Perry Warjiyo menambahkan, permintaan kredit dunia usaha memang masih lemah. \u201cPelaku usaha banyak yang wait and see, suku bunga kredit masih tinggi, dan mereka lebih banyak menggunakan dana internal untuk pembiayaan. Itu sebabnya fasilitas pinjaman belum dicairkan optimal,\u201d ujar Perry.<\/p>\n<p>BI mencatat, rasio undisbursed loan pada Agustus 2025 mencapai Rp2.372,11 triliun atau 22,71 persen dari plafon kredit yang tersedia. Rasio terbesar terjadi pada sektor industri, pertambangan, jasa usaha, dan perdagangan.<\/p>\n<p>Di sisi lain, likuiditas perbankan justru tergolong longgar. Rasio Alat Likuid terhadap Dana Pihak Ketiga (AL\/DPK) pada Agustus 2025 berada di level 27,25 persen. \u201cJadi memang dari sisi bank tidak ada masalah likuiditas, persoalannya lebih ke arah penyerapan kredit di sektor riil,\u201d kata Perry.(emha)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com.Jakarta, \u2014 Wakil Ketua Komisi XI DPR dari&#8230;<\/p>\n","protected":false},"author":4,"featured_media":14612,"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":[208,36],"tags":[379,2105,744,2147],"newstopic":[],"class_list":["post-14610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-nasional","tag-bank","tag-dana-200-trilyun","tag-kredit-mikro","tag-penempatan-dana-200-trilyun"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Kredit Nganggur Rp2.304 Triliun, DPR Pertanyakan Efektivitas Suntikan Dana Pemerintah - 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\/19\/kredit-nganggur-rp2-304-triliun-dpr-pertanyakan-efektivitas-suntikan-dana-pemerintah\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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