{"id":12155,"date":"2024-04-26T11:18:00","date_gmt":"2024-04-26T04:18:00","guid":{"rendered":"https:\/\/businessupdate.id\/?p=12155"},"modified":"2024-04-26T10:50:50","modified_gmt":"2024-04-26T03:50:50","slug":"suku-bunga-tinggi-btn-revisi-rencana-bisnis","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=12155","title":{"rendered":"Suku Bunga Tinggi, BTN Revisi Rencana Bisnis"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk atau BTN akan merevisi rencana bisnis terkait penyaluran kredit pada 2024 guna mengantisipasi adanya era suku bunga tinggi.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sampai kuartal I\/2024 ini, BTN mencatat penyaluran kredit dan pembiayaan sebesar Rp344,2 triliun. Angka tersebut tumbuh 14,8% secara tahunan (yoy) dibandingkan periode yang sama pada tahun sebelumnya sebesar Rp299,7 triliun.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Utama BTN Nixon LP Napitupulu menginginkan, pertumbuhan kredit sampai akhir tahun justru akan dijaga pada level 10-11%. Awal tahun ini, BTN mematok target penyaluran kredit yang relatif konservatif di angka 11-12%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Antisipasi likuiditas yang belakangan akan jadi lebih mahal, pendanaan juga jadi lebih mahal, karena naiknya BI rate,&#8221; kata Nixon usai konferensi pers paparan kinerja BTN per 31 Maret 2024, Kamis (25\/4\/2024).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menambahkan, dengan adanya kondisi tersebut, penyaluran kredit akan menghadapi banyak tantangan. Dengan menurunkan pertumbuhan kredit, BTN tidak perlu mencari banyak dana yang diprediksi bertambah mahal. &#8220;Kalau harga bahan baku mahal, maka jualannya tidak usah terlalu digeber,&#8221; imbuhnya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal ini, tambahnya, juga merupakan langkah antisipasi kondisi geopolitik makro yang belum stabil. Adapun kondisi likuiditas perseroan yang tercermin dari rasio <em>Loan to Deposit Ratio<\/em> (LDR) tercatat ada di kisaran 96,2%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, kredit dan pembiayaan perumahan masih mayoritas sekitar 85% dari seluruh portofolio. Selama kuartal I\/2024, total kredit dan pembiayaan perumahan mencapai Rp292,7 triliun, atau naik 10,7% secara tahunan dibandingkan periode yang sama tahun lalu sebesar Rp264,5 triliun.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari jumlah tersebut penyaluran KPR Subsidi masih menjadi yang terbesar mencapai Rp167 triliun, naik 12,3% pada kuartal I\/2024 dari periode yang sama tahun lalu sebesar Rp148,6 triliun. Sedangkan KPR Non-Subsidi naik 11,2% secara tahunan menjadi Rp98,8 triliun dari Rp88,8 triliun di kuartal I\/2023. (rn\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN akan merevisi rencana bisnis terkait penyaluran kredit pada 2024 guna mengantisipasi adanya era suku bunga tinggi.&nbsp; Sampai kuartal I\/2024 ini, BTN mencatat penyaluran kredit dan pembiayaan sebesar Rp344,2 triliun. Angka tersebut tumbuh 14,8% secara tahunan (yoy) dibandingkan periode yang sama pada tahun sebelumnya sebesar Rp299,7 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5535,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[426,911,183,646,765,544,763,1625,3315],"class_list":["post-12155","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-bank","tag-bisnis","tag-btn","tag-bunga","tag-kredit","tag-negara","tag-penyaluran","tag-revisi","tag-tinggi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Suku Bunga Tinggi, BTN Revisi Rencana Bisnis - 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=12155\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Suku Bunga Tinggi, BTN Revisi Rencana Bisnis - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN akan merevisi rencana bisnis terkait penyaluran kredit pada 2024 guna mengantisipasi adanya era suku bunga tinggi.&nbsp; Sampai kuartal I\/2024 ini, BTN mencatat penyaluran kredit dan pembiayaan sebesar Rp344,2 triliun. Angka tersebut tumbuh 14,8% secara tahunan (yoy) dibandingkan periode yang sama pada tahun sebelumnya sebesar Rp299,7 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=12155\" \/>\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=\"2024-04-26T04:18:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-26T03:50:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/03\/bank-btn.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1175\" \/>\n\t<meta property=\"og:image:height\" content=\"701\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=12155\",\"url\":\"https:\/\/businessupdate.id\/?p=12155\",\"name\":\"Suku Bunga Tinggi, BTN Revisi Rencana Bisnis - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-04-26T04:18:00+00:00\",\"dateModified\":\"2024-04-26T03:50:50+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=12155#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=12155\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=12155#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Suku Bunga Tinggi, BTN Revisi Rencana Bisnis\"}]},{\"@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":"Suku Bunga Tinggi, BTN Revisi Rencana Bisnis - 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=12155","og_locale":"en_US","og_type":"article","og_title":"Suku Bunga Tinggi, BTN Revisi Rencana Bisnis - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN akan merevisi rencana bisnis terkait penyaluran kredit pada 2024 guna mengantisipasi adanya era suku bunga tinggi.&nbsp; Sampai kuartal I\/2024 ini, BTN mencatat penyaluran kredit dan pembiayaan sebesar Rp344,2 triliun. 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