{"id":14685,"date":"2025-09-22T05:18:08","date_gmt":"2025-09-22T05:18:08","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=14685"},"modified":"2025-09-22T05:18:37","modified_gmt":"2025-09-22T05:18:37","slug":"umkm-didorong-lebih-berdaya-ojk-atur-kemudahan-akses-pembiayaan","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/22\/umkm-didorong-lebih-berdaya-ojk-atur-kemudahan-akses-pembiayaan\/","title":{"rendered":"UMKM Didorong Lebih Berdaya, OJK Atur Kemudahan Akses Pembiayaan"},"content":{"rendered":"<p><b>ppmindonesia.com.Jakarta,\u2014<\/b><span style=\"font-weight: 400;\"><a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/22\/umkm-didorong-lebih-berdaya-ojk-atur-kemudahan-akses-pembiayaan\/\"> Otoritas Jasa Keuangan (OJK)<\/a> menerbitkan Peraturan OJK (POJK) Nomor 19 Tahun 2025 tentang <\/span><i><span style=\"font-weight: 400;\">Kemudahan Akses Pembiayaan UMKM<\/span><\/i><span style=\"font-weight: 400;\">. Regulasi ini menjadi langkah strategis untuk memperluas akses permodalan bagi usaha mikro, kecil, dan menengah (UMKM) yang selama ini kerap menghadapi kendala birokrasi dan keterbatasan riwayat pinjaman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Aturan yang diundangkan pada 2 September 2025 itu berlaku dua bulan setelah ditetapkan dan mencakup bank umum, bank perkreditan rakyat (BPR), bank syariah, BPR syariah, serta lembaga keuangan nonbank (LKNB) konvensional maupun syariah.<\/span><\/p>\n<p><b>Data Alternatif Gantikan SLIK<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Salah satu poin penting dalam POJK ini adalah diperbolehkannya penggunaan data alternatif untuk menggantikan Sistem Layanan Informasi Keuangan (SLIK) dalam menilai kelayakan debitur UMKM yang belum memiliki riwayat kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cKalau belum ada data SLIK, berarti memang belum ada riwayat pinjaman. Itu bisa digantikan dengan data alternatif, misalnya transaksi e-commerce, tagihan listrik, atau telepon,\u201d kata <\/span>Indah Iramadhini, Kepala Departemen Pengaturan dan Pengembangan Perbankan OJK, Jumat (19\/9\/2025).<\/p>\n<p><span style=\"font-weight: 400;\">Indah menegaskan, SLIK bukanlah penghalang, melainkan sarana manajemen risiko bagi lembaga keuangan. \u201cPertanyaannya, sejauh mana bank dan LKNB menoleransi data alternatif itu,\u201d tambahnya.<\/span><\/p>\n<p><b>Dorong Inklusi Keuangan<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kepala Eksekutif Pengawas Perbankan OJK, <\/span>Dian Ediana Rae<span style=\"font-weight: 400;\">, menyebut regulasi ini sejalan dengan amanat Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cBank dan LKNB diharapkan menghadirkan pendekatan inovatif sesuai kebutuhan segmen UMKM, dari usaha mikro dan ultra mikro yang membutuhkan akses cepat hingga usaha menengah yang memerlukan layanan lebih kompleks,\u201d kata Dian, Senin (15\/9\/2025).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selain data alternatif, OJK juga memberi insentif berupa percepatan persetujuan kredit (<\/span><i><span style=\"font-weight: 400;\">instant approval<\/span><\/i><span style=\"font-weight: 400;\">) bagi bank dengan infrastruktur teknologi informasi (TI) yang memadai.<\/span><\/p>\n<p><b>Pertumbuhan Kredit Melambat<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Aturan baru ini hadir di tengah melambatnya pertumbuhan kredit UMKM. Data OJK mencatat, per Juli 2025, kredit UMKM hanya tumbuh 1,6 persen secara tahunan (yoy) menjadi Rp 1.397,4 triliun.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pada periode yang sama, total kredit perbankan tumbuh 6,7 persen yoy mencapai Rp 8.971,8 triliun. Dengan demikian, porsi kredit UMKM hanya 15,58 persen, lebih rendah dibandingkan 2023 yang sempat mendekati 20 persen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sebaliknya, sejumlah sektor non-UMKM justru tumbuh pesat. Kredit sektor pertambangan naik 20,69 persen, jasa 19,17 persen, transportasi dan komunikasi 17,94 persen, serta listrik, gas, dan air 11,23 persen.<\/span><\/p>\n<p><b>Suara Masyarakat Sipil<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Kebijakan ini disambut positif, namun sejumlah pihak menekankan pentingnya dukungan nonfinansial agar UMKM benar-benar berdaya.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWalaupun ada kemudahan kredit, tetap harus didukung pelatihan manajemen dan pembinaan usaha. Kredit saja tidak cukup. Harus ada pendampingan berkelanjutan agar tidak terjadi kredit macet,\u201d ujar <\/span>Anwar Hariyono<span style=\"font-weight: 400;\">, Sekretaris Jenderal Pusat Peranserta Masyarakat (PPM) Nasional.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hal serupa disampaikan <\/span>Depri Cane Nasution<span style=\"font-weight: 400;\"> aktivis dari PPM. Ia menilai, tanpa pembinaan manajemen dan pemasaran, kemudahan akses pembiayaan justru berisiko membebani negara maupun pelaku UMKM itu sendiri.<\/span><\/p>\n<p><b>Ekosistem Berkelanjutan<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Melalui POJK ini, OJK juga mendorong pemanfaatan teknologi digital, penerimaan jaminan berupa kekayaan intelektual, serta penggunaan Pemeringkat Kredit Alternatif (PKA) untuk memperkuat ekosistem pembiayaan UMKM.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan kolaborasi antara lembaga jasa keuangan, pemerintah, dan dunia usaha, regulasi ini diharapkan dapat membangun sistem pembiayaan UMKM yang lebih sehat, inklusif, dan berkelanjutan.(acank)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com.Jakarta,\u2014 Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan OJK&#8230;<\/p>\n","protected":false},"author":4,"featured_media":14686,"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":[2168,2154,2167,54],"newstopic":[],"class_list":["post-14685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-nasional","tag-akses-kredit-umkm","tag-kredit-umkm","tag-ojk","tag-umkm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>UMKM Didorong Lebih Berdaya, OJK Atur Kemudahan Akses Pembiayaan - ppmindonesia<\/title>\n<meta name=\"robots\" content=\"index, follow, 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