{"id":14647,"date":"2025-09-20T17:00:37","date_gmt":"2025-09-20T17:00:37","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=14647"},"modified":"2025-09-20T17:01:07","modified_gmt":"2025-09-20T17:01:07","slug":"likuiditas-perbankan-longgar-namun-kredit-belum-terserap-optimal","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/20\/likuiditas-perbankan-longgar-namun-kredit-belum-terserap-optimal\/","title":{"rendered":"Likuiditas Perbankan Longgar, Namun Kredit Belum Terserap Optimal"},"content":{"rendered":"<p><b>ppmindonesia.com.Jakarta, <\/b>\u2014 Perbankan nasional tengah berada dalam kondisi <a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/20\/likuiditas-perbankan-longgar-namun-kredit-belum-terserap-optimal\/\">likuiditas<\/a> yang longgar. Namun, kelonggaran itu tidak serta-merta mendorong penyaluran kredit secara optimal.<\/p>\n<p>Data Bank Indonesia (BI) menunjukkan, hingga Agustus 2025, fasilitas pinjaman yang belum dicairkan atau <i>undisbursed loan<\/i> masih tinggi, mencapai Rp2.372,11 triliun, atau 22,71 persen dari plafon kredit yang tersedia.<\/p>\n<p>Gubernur BI Perry Warjiyo menjelaskan, perkembangan kredit perbankan memang tumbuh 7,56 persen (year on year\/yoy) pada Agustus 2025. Angka itu naik tipis dibandingkan pertumbuhan Juli 2025 yang sebesar 7,03 persen. Namun, Perry mengakui pertumbuhan tersebut belum cukup kuat.<\/p>\n<p>\u201cDari sisi permintaan, pelaku usaha masih <i>wait and see<\/i>, suku bunga kredit masih relatif tinggi, dan banyak perusahaan lebih memilih menggunakan dana internal untuk membiayai usahanya,\u201d kata Perry dalam konferensi pers hasil Rapat Dewan Gubernur BI, Rabu (17\/9\/2025).<\/p>\n<p><b>Kredit Nganggur Membengkak<\/b><\/p>\n<p>Data Otoritas Jasa Keuangan (OJK) sejalan dengan temuan BI. Kredit menganggur per Juni 2025 tercatat Rp2.304 triliun, naik dari Rp2.152 triliun pada periode sama tahun sebelumnya.<\/p>\n<p>Lonjakan kredit menganggur inilah yang menjadi sorotan DPR. Wakil Ketua Komisi XI DPR dari Fraksi PDI Perjuangan, Dolfie Othniel Frederic, mempertanyakan efektivitas penempatan dana pemerintah Rp200 triliun di bank-bank milik negara (Himbara). \u201cYang nganggur saja Rp2.000-an triliun belum bisa dimaksimalkan, masuk lagi Rp200 triliun malah bikin beban,\u201d ujarnya.<\/p>\n<p><b>LDR Tak Pernah Tembus 90 Persen<\/b><\/p>\n<p>Sementara itu, rasio kredit terhadap dana pihak ketiga atau Loan to Deposit Ratio (LDR) juga menunjukkan tren melemah. LDR sempat mencapai 86,54 persen pada Juli 2025, kemudian turun ke 86,03 persen pada Agustus, dan berlanjut merosot ke 85,34 persen.<\/p>\n<p>Padahal, indikator ini menjadi tolok ukur seberapa besar dana masyarakat berhasil disalurkan menjadi kredit produktif.<\/p>\n<p>Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae, menilai tingginya kredit menganggur tidak bisa langsung dibaca sebagai lemahnya perbankan. Menurut dia, <i>undisbursed loan<\/i> mencerminkan masih adanya optimisme pelaku usaha terhadap prospek bisnis, meski pencairannya tertunda.<\/p>\n<p>\u201cPara pengusaha punya sense sendiri kapan mereka akan men-disbursed loan. Jadi, ini lebih kepada penyesuaian kebutuhan, bukan berarti kreditnya macet,\u201d ujarnya.<\/p>\n<p><b>Risiko Salah Sasaran<\/b><\/p>\n<p>Kebijakan pemerintah menempatkan dana jumbo di perbankan juga menuai kritik dari kalangan ekonom. Direktur Eksekutif Center of Economic and Law Studies (CELIOS), Bhima Yudhistira, mengingatkan agar dana tersebut tidak disalurkan ke sektor yang berisiko menimbulkan aset terlantar (<i>stranded asset<\/i>), seperti energi fosil.<\/p>\n<p>\u201cKalau diarahkan ke sektor yang salah, justru akan menimbulkan kredit macet baru dan beban di masa depan,\u201d katanya.<\/p>\n<p><b>Beban Fiskal<\/b><\/p>\n<p>Dari sisi fiskal, penempatan dana pemerintah di Himbara dinilai bisa membebani APBN. Sebab, dana Rp200 triliun yang ditempatkan berasal dari Saldo Anggaran Lebih (SAL), yang pada dasarnya bersumber dari penerbitan Surat Berharga Negara (SBN).<\/p>\n<p>Pemerintah tetap harus membayar bunga SBN tersebut, sementara bunga yang diterima bank relatif kecil. \u201cUang APBN itu uang rakyat. Kalau kebijakan ini tidak efektif, pada akhirnya rakyat juga yang ikut menanggung,\u201d kata Dolfie.<\/p>\n<p><b>Tantangan Penyerapan Kredit<\/b><\/p>\n<p>Situasi ini menunjukkan paradoks. Likuiditas perbankan terbilang longgar, terlihat dari rasio Alat Likuid terhadap Dana Pihak Ketiga (AL\/DPK) yang mencapai 27,25 persen pada Agustus 2025.<\/p>\n<p>Namun, kelonggaran itu tidak otomatis mengalir ke sektor riil. Dunia usaha masih ragu menambah pembiayaan, sementara bank pun berhitung ketat untuk menjaga kualitas kredit.(acank)<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com.Jakarta, \u2014 Perbankan nasional tengah berada dalam kondisi&#8230;<\/p>\n","protected":false},"author":4,"featured_media":14639,"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":[379,301,2121],"newstopic":[],"class_list":["post-14647","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-nasional","tag-bank","tag-bank-indonesia","tag-likuiditas-bank"],"yoast_head":"<!-- This site is optimized 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