{"id":13346,"date":"2024-07-09T11:13:52","date_gmt":"2024-07-09T04:13:52","guid":{"rendered":"https:\/\/businessupdate.id\/?p=13346"},"modified":"2024-07-09T11:13:56","modified_gmt":"2024-07-09T04:13:56","slug":"bi-rate-tinggi-bni-naikkan-suku-bunga-kredit","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=13346","title":{"rendered":"BI Rate Tinggi, BNI Naikkan Suku Bunga Kredit"},"content":{"rendered":"\n

BusinessUpdate –<\/strong> PT Bank Negara Indonesia (Persero) Tbk. atau BNI (BBNI) mulai menaikkan suku bunga kreditnya. Hal ini dilakukan karena masih tingginya suku bunga acuan Bank Indonesia atau BI Rate.  <\/p>\n\n\n\n

“Sudah naik bunga kredit. Tapi ya naiknya enggak sekencang bunga simpanan. Kalau simpanan naiknya kencang, kreditnya kecil. Jadi ya ketekan cost<\/em>-nya,” ujar Direktur Utama BNI Royke Tumilaar setelah rapat dengar pendapat dengan Komisi VI DPR RI pada Senin (8\/7\/2024). <\/p>\n\n\n\n

Adapun, kenaikan suku bunga kredit BNI merata pada semua segmen kredit. Mengacu laporan suku bunga dasar kredit (SBDK) dari Otoritas Jasa Keuangan (OJK), per April 2024 SBDK BNI di kredit korporasi mencapai 8,05%, kredit ritel 8,3%, kredit pemilikan rumah (KPR) 7,4%, dan non KPR 8,8%. <\/p>\n\n\n\n

Menurut Royke, penyesuaian suku bunga kredit dilakukan sebagai upaya untuk menekan biaya dana (cost of fund<\/em>). “Makanya, cost <\/em>akan naik, karena kalau pinjaman semua dinaikan, jebol NPL,” tuturnya. NPL adalah non performing loan<\/em> atau kredit bermasalah.<\/p>\n\n\n\n

Sementara itu, kenaikan suku bunga kredit BNI terjadi seiring dengan tren suku bunga acuan yang masih tinggi. Terbaru, BI telah mempertahankan suku bunga acuan atau BI Rate di level 6,25% dalam Rapat Dewan Gubernur (RDG) periode 19-20 Juni 2024. <\/p>\n\n\n\n

Kenaikan suku bunga acuan saat itu menjadi yang pertama kali sejak Oktober 2023.  Gubernur BI Perry Warjiyo mengatakan seiring dengan tren kenaikan suku bunga acuan, suku bunga perbankan tetap terjaga dipengaruhi likuiditas perbankan yang memadai. <\/p>\n\n\n\n

Meski begitu, suku bunga kredit perbankan mengalami peningkatan tipis. Tercatat, suku bunga kredit bank mencapai level 9,26%, naik 1 bps dibandingkan suku bunga kredit bulan sebelumnya atau April 2024 di level 9,25%. Selain itu, secara year to date<\/em> (ytd), suku bunga kredit juga naik 1 bps, di mana suku bunga kredit per Desember 2023 berada di level 9,25%.\u00a0<\/p>\n\n\n\n

Berikut daftar SBDK BNI per April 2024
Kredit korporasi 8,05%
Kredit ritel 8,3%
Kredit pemilikan rumah (KPR) 7,4%
Kredit nonKPR 8,8%<\/p>\n","protected":false},"excerpt":{"rendered":"

BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk. atau BNI (BBNI) mulai menaikkan suku bunga kreditnya. Hal ini dilakukan karena masih tingginya suku bunga acuan Bank Indonesia atau BI Rate.   “Sudah naik bunga kredit. Tapi ya naiknya enggak sekencang bunga simpanan. Kalau simpanan naiknya kencang, kreditnya kecil. Jadi ya ketekan cost-nya,” ujar Direktur Utama BNI […]<\/p>\n","protected":false},"author":6,"featured_media":5277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[647,426,266,646,325,765,544,381,782],"class_list":{"0":"post-13346","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-economic","9":"tag-acuan","10":"tag-bank","11":"tag-bni","12":"tag-bunga","13":"tag-indonesia","14":"tag-kredit","15":"tag-negara","16":"tag-pinjaman","17":"tag-rate"},"yoast_head":"\nBI Rate Tinggi, BNI Naikkan Suku Bunga Kredit - 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=13346\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BI Rate Tinggi, BNI Naikkan Suku Bunga Kredit - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk. atau BNI (BBNI) mulai menaikkan suku bunga kreditnya. Hal ini dilakukan karena masih tingginya suku bunga acuan Bank Indonesia atau BI Rate.   “Sudah naik bunga kredit. Tapi ya naiknya enggak sekencang bunga simpanan. Kalau simpanan naiknya kencang, kreditnya kecil. 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