{"id":10532,"date":"2024-01-19T17:28:40","date_gmt":"2024-01-19T10:28:40","guid":{"rendered":"https:\/\/businessupdate.id\/?p=10532"},"modified":"2024-01-19T17:28:44","modified_gmt":"2024-01-19T10:28:44","slug":"umkm-bisa-peroleh-pinjaman-tanpa-agunan-hingga-rp500-juta","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=10532","title":{"rendered":"UMKM Bisa Peroleh Pinjaman Tanpa Agunan Hingga Rp500 Juta\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Kementerian Koperasi dan UKM (Kemenkop-UKM) akan menguji coba penerapan <em>credit scoring<\/em> bagi pelaku usaha mikro, kecil dan menengah (UMKM) yang ingin melakukan pinjaman Kredit Usaha Rakyat (KUR) senilai Rp100 juta-500 juta tanpa agunan.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Credit scoring<\/em> adalah sistem penilaian terhadap kemampuan seseorang dalam membayar kewajiban pinjamannya yang dilakukan oleh Lembaga Penilaian Kredit.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deputi Bidang Usaha Mikro Kementerian Koperasi dan UKM Yulius mengungkapkan, uji coba itu dilakukan lantaran kurangnya akses UMKM untuk mendapatkan KUR karena tidak memiliki agunan.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cUMKM minim mengakses KUR itu bukan karena nggak minat tapi nggak punya agunan sehingga mereka tidak bisa mengakses. Karena kita nggak punya agunan, solusinya adalah kita mau nguji coba pakai kredit skoring itu,\u201d ujarnya saat jumpa pers di Jakarta, Jumat (19\/1\/2024).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menjelaskan, dengan <em>credit scoring<\/em> itu data transaksi UMKM menjadi pertimbangan penyaluran kredit bagi bank-bank Himbara. Selama uji coba ini, Kemenkop-UKM akan mengumpulkan data-data yang dibutuhkan pada Januari ini.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Data yang digunakan akan memanfaatkan data dari biro kredit seperti SLIK, OJK, Pefindo hingga data transaksi <em>e-commerce<\/em>. Kemudian di Februari-April akan membangun model bisnisnya yang menggunakan mesin <em>e-learning<\/em> atau <em>Artificial Intelligence<\/em> (AI) dan setelah itu akan masuk pada tahap pembuatan skornya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Data -data itu akan menjadi sumber penilaian kelayakan kredit. Penilaian kelayakan tersebut akan dinilai dan diproses menggunakan AI. \u201cJadi sekitar bulan Juni atau Juli ini kita bisa mulai pilot project-nya,\u201d tutup Yulius. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Kementerian Koperasi dan UKM (Kemenkop-UKM) akan menguji coba penerapan credit scoring bagi pelaku usaha mikro, kecil dan menengah (UMKM) yang ingin melakukan pinjaman Kredit Usaha Rakyat (KUR) senilai Rp100 juta-500 juta tanpa agunan.&nbsp; Credit scoring adalah sistem penilaian terhadap kemampuan seseorang dalam membayar kewajiban pinjamannya yang dilakukan oleh Lembaga Penilaian Kredit.&nbsp; Deputi Bidang [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2581,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[3499,426,765,1495,1060,1280,733],"class_list":["post-10532","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","tag-agunan","tag-bank","tag-kredit","tag-kur","tag-rakyat","tag-tanpa","tag-usaha"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>UMKM Bisa Peroleh Pinjaman Tanpa Agunan Hingga Rp500 Juta\u00a0 - Businessupdate.id<\/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:\/\/businessupdate.id\/?p=10532\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"UMKM Bisa Peroleh Pinjaman Tanpa Agunan Hingga Rp500 Juta\u00a0 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; 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