{"id":11588,"date":"2024-03-23T06:13:03","date_gmt":"2024-03-22T23:13:03","guid":{"rendered":"https:\/\/businessupdate.id\/?p=11588"},"modified":"2024-03-23T06:18:20","modified_gmt":"2024-03-22T23:18:20","slug":"tekan-biaya-dana-bank-btn-incar-penambahan-porsi-casa","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=11588","title":{"rendered":"Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk (BBTN) membidik porsi dana murah atau <em>current account saving account<\/em> (CASA) sebesar 55% hingga akhir 2024.&nbsp;<\/p>\n\n\n\n<p>Direktur Distribution and Institutional Funding BTN Jasmin menuturkan, incaran dana murah itu dilakukan untuk menekan biaya dana (<em>cost of fund<\/em>) perusahaan. \u201cCASA tahun ini sekitar 55%, kalau tahun kemarin 53%,\u201d kata Jasmin di Jakarta, Jumat (22\/3\/2024).&nbsp;<\/p>\n\n\n\n<p>Menurut Jasmin saat ini <em>cost of fund<\/em> BTN berada di kisaran 3,5%. Nantinya, perusahaan akan menurunkan CoF di bawah 3,5% pada akhir tahun. Namun, kondisi CoF BBTN juga bergantung pada suku bunga acuan BI rate dan The Fed.&nbsp;<\/p>\n\n\n\n<p>Adapun, strategi mengincar porsi dana murah yang dilakukan bank penyedia kredit pemilikan rumah (KPR) itu dilakukan dengan membidik segmen nasabah dengan simpanan rentang Rp100 juta\u2014Rp500 juta atau nasabah segmen Emerging Affluent melalui BTN Prospera, baik nasabah baru maupun nasabah eksisting.&nbsp;<\/p>\n\n\n\n<p>Jasmin mengatakan bahwa saat ini BTN memiliki nasabah potensi yang akan masuk ke segmen BTN Prospera sebanyak 35.000 nasabah dengan dana kelolaan mencapai Rp6,5 triliun.&nbsp;<\/p>\n\n\n\n<p>\u201cKami memiliki target yang agresif di akhir tahun ini akan bertambah Rp8 triliun, artinya menjadi Rp14,5 triliun,\u201d ungkapnya.&nbsp;<\/p>\n\n\n\n<p>Nantinya, strategi yang dilakukan BTN adalah dengan mengoptimalkan nasabah eksisting, baik yang tengah melakukan skema KPR maupun sudah lunas, untuk masuk ke BTN Prospera. Hal itu dilakukan karena saat ini porsi dana ritel BTN cenderung sedikit atau sebesar 25%, sedangkan dana institusi\/lembaga mengambil porsi 75%.&nbsp;<\/p>\n\n\n\n<p>Di samping itu, Jasmin mengaku bahwa saat ini BTN juga tengah memacu produktivitas kantor cabang pembantu (KCP) untuk menghimpun dana pihak ketiga (DPK) ritel.<\/p>\n\n\n\n<p>\u201cJadi DPK ritel porsinya akan besar, mungkin bisa 30\u201340%. Kalau tahun ini bisa 30% lebih bagus, harusnya bisa. Jadi lembaga nggak boleh naik, tapi yang ritel harus naik,\u201d tambahnya.&nbsp;<\/p>\n\n\n\n<p>Ia juga menyampaikan bahwa apabila biaya dana BTN turun, maka suku bunga KPR juga akan ikut turun. \u201cModal yang kita kasih bunga kredit itu murah atau enggak, semakin murah maka kami bisa semakin kompetitif, kita bisa ngasih bunga lebih rendah,\u201d tutupnya. (rn\/jh. Foto: Dok. BTN)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk (BBTN) membidik porsi dana murah atau current account saving account (CASA) sebesar 55% hingga akhir 2024.&nbsp; Direktur Distribution and Institutional Funding BTN Jasmin menuturkan, incaran dana murah itu dilakukan untuk menekan biaya dana (cost of fund) perusahaan. \u201cCASA tahun ini sekitar 55%, kalau tahun kemarin 53%,\u201d kata [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":11589,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[426,183,6455,1101,2607,544,1144],"class_list":{"0":"post-11588","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-economic","9":"tag-bank","10":"tag-btn","11":"tag-casa","12":"tag-dana","13":"tag-murah","14":"tag-negara","15":"tag-tabungan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA - 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=11588\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk (BBTN) membidik porsi dana murah atau current account saving account (CASA) sebesar 55% hingga akhir 2024.&nbsp; Direktur Distribution and Institutional Funding BTN Jasmin menuturkan, incaran dana murah itu dilakukan untuk menekan biaya dana (cost of fund) perusahaan. \u201cCASA tahun ini sekitar 55%, kalau tahun kemarin 53%,\u201d kata [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=11588\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2024-03-22T23:13:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-03-22T23:18:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/03\/Bank-BTN.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"799\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=11588\",\"url\":\"https:\/\/businessupdate.id\/?p=11588\",\"name\":\"Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-03-22T23:13:03+00:00\",\"dateModified\":\"2024-03-22T23:18:20+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=11588#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=11588\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=11588#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=11588","og_locale":"en_US","og_type":"article","og_title":"Tekan Biaya Dana, Bank BTN Incar Penambahan Porsi CASA - Businessupdate.id","og_description":"BusinessUpdate &#8211; 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