{"id":14689,"date":"2025-09-22T05:23:51","date_gmt":"2025-09-22T05:23:51","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=14689"},"modified":"2025-09-22T05:25:15","modified_gmt":"2025-09-22T05:25:15","slug":"kemudahan-kredit-umkm-dari-data-alternatif-hingga-insentif-bank","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/22\/kemudahan-kredit-umkm-dari-data-alternatif-hingga-insentif-bank\/","title":{"rendered":"Kemudahan Kredit UMKM: Dari Data Alternatif hingga Insentif Bank"},"content":{"rendered":"<p><a href=\"http:\/\/ppmindonesia.com\"><b>ppmindonesia.com<\/b><\/a><b>. Jakarta, Kompas \u2014<\/b><span style=\"font-weight: 400;\"> Otoritas Jasa Keuangan (OJK) resmi menerbitkan Peraturan OJK (POJK) Nomor 19 Tahun 2025 tentang <\/span><a href=\"https:\/\/ppmindonesia.com\/index.php\/2025\/09\/22\/kemudahan-kredit-umkm-dari-data-alternatif-hingga-insentif-bank\/\"><i><span style=\"font-weight: 400;\">Kemudahan Akses Pembiayaan UMKM<\/span><\/i><\/a><span style=\"font-weight: 400;\">. Regulasi ini ditujukan untuk memperluas akses kredit bagi pelaku usaha mikro, kecil, dan menengah (UMKM) yang kerap terhambat persoalan administratif maupun keterbatasan riwayat pinjaman.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">POJK ini diundangkan pada 2 September 2025 dan berlaku dua bulan setelah ditetapkan. Aturan tersebut mencakup bank umum, BPR, bank syariah, BPR syariah, serta lembaga keuangan nonbank (LKNB) konvensional maupun syariah.<\/span><\/p>\n<p><b>Data Alternatif Pengganti SLIK<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Salah satu terobosan penting dari aturan ini adalah diperbolehkannya penggunaan data alternatif untuk menilai kelayakan kredit UMKM yang belum memiliki catatan di Sistem Layanan Informasi Keuangan (SLIK).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cKalau belum ada data SLIK, artinya memang belum ada riwayat pinjaman. Itu bisa digantikan dengan data alternatif, misalnya transaksi di e-commerce, tagihan listrik, atau telepon,\u201d kata <\/span><b>Indah Iramadhini<\/b><span style=\"font-weight: 400;\">, Kepala Departemen Pengaturan dan Pengembangan Perbankan OJK, dalam <\/span><i><span style=\"font-weight: 400;\">media briefing<\/span><\/i><span style=\"font-weight: 400;\">, Jumat (19\/9\/2025).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Indah menekankan, SLIK pada dasarnya bukan untuk menghalangi UMKM, melainkan sebagai alat manajemen risiko bagi lembaga keuangan. \u201cPertanyaannya sejauh mana bank dan LKNB menoleransi data itu. Jadi ini bukan penghalang,\u201d ujarnya.<\/span><\/p>\n<p><b>Insentif untuk Bank<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Selain data alternatif, OJK juga memberikan insentif kepada bank melalui relaksasi syarat <\/span><i><span style=\"font-weight: 400;\">instant approval<\/span><\/i><span style=\"font-weight: 400;\">. Jika sebelumnya bank wajib memenuhi tiga kriteria\u2014peringkat tinggi dalam manajemen risiko, tata kelola yang baik, dan infrastruktur teknologi informasi (TI)\u2014kini syarat tersebut dipangkas hanya menjadi satu: ketersediaan infrastruktur TI dan manajemen pengelolaan TI yang memadai.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cBank dan LKNB diharapkan menghadirkan pendekatan inovatif sesuai kebutuhan UMKM. Dari usaha mikro yang memerlukan akses cepat hingga usaha menengah dengan kebutuhan lebih kompleks,\u201d kata <\/span>Dian Ediana Rae<span style=\"font-weight: 400;\">, Kepala Eksekutif Pengawas Perbankan OJK, Senin (15\/9\/2025).<\/span><\/p>\n<p><b>Pertumbuhan Kredit Melambat<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Aturan baru ini lahir di tengah tren 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 naik 6,7 persen yoy menjadi Rp 8.971,8 triliun. Dengan demikian, rasio kredit UMKM hanya 15,58 persen, lebih rendah dibandingkan 2023 ketika sempat mendekati 20 persen.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Di sisi lain, beberapa 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>Perlu Pendampingan<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Meski kebijakan ini dinilai membuka peluang baru, sejumlah pihak mengingatkan pentingnya pendampingan agar UMKM tidak terjebak dalam beban kredit.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cWalaupun ada kemudahan kredit, tetap harus didukung pelatihan manajemen dan pembinaan usaha agar UMKM tidak kesulitan membayar pinjaman. Kredit saja tidak cukup, harus ada pendampingan berkelanjutan,\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 senada diungkapkan <\/span>Depri Cane Nasution<span style=\"font-weight: 400;\"> aktivis\u00a0 PPM. Menurutnya, tanpa pembinaan manajemen dan pemasaran, kemudahan kredit berisiko berujung pada kredit macet yang justru membebani negara maupun pelaku UMKM itu sendiri.<\/span><\/p>\n<p><b>Menuju Ekosistem Sehat<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Melalui POJK ini, OJK juga mendorong pemanfaatan teknologi digital, penerimaan jaminan berupa kekayaan intelektual, hingga pemanfaatan Pemeringkat Kredit Alternatif (PKA) untuk memperkuat ekosistem pembiayaan UMKM.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dengan kolaborasi antara perbankan, LKNB, pemerintah, dan dunia usaha, aturan ini diharapkan dapat membangun sistem pembiayaan UMKM yang lebih sehat, inklusif, dan berkelanjutan. (emha)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com. Jakarta, Kompas \u2014 Otoritas Jasa Keuangan (OJK)&#8230;<\/p>\n","protected":false},"author":4,"featured_media":14690,"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":[2168,2169,2167,54],"newstopic":[],"class_list":["post-14689","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-umkm","tag-akses-kredit-umkm","tag-kemudahan-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>Kemudahan Kredit UMKM: Dari Data Alternatif hingga Insentif Bank - 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\/22\/kemudahan-kredit-umkm-dari-data-alternatif-hingga-insentif-bank\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kemudahan Kredit UMKM: Dari Data Alternatif hingga Insentif Bank - ppmindonesia\" \/>\n<meta property=\"og:description\" content=\"ppmindonesia.com. 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