{"id":16388,"date":"2025-01-01T05:52:23","date_gmt":"2024-12-31T22:52:23","guid":{"rendered":"https:\/\/businessupdate.id\/?p=16388"},"modified":"2025-01-01T05:52:25","modified_gmt":"2024-12-31T22:52:25","slug":"ojk-tetapkan-batas-maksimum-bunga-harian-pinjol-mulai-1-januari-2025","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=16388","title":{"rendered":"OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Otoritas Jasa Keuangan (OJK) menetapkan batas maksimum manfaat ekonomi atau batas bunga harian baru bagi pelaku jasa Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI\/<em>fintech lending<\/em>) atau pinjaman <em>online<\/em> yang berlaku sejak Rabu (1\/1\/2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plt. Kepala Departemen Literasi, Inklusi Keuangan dan Komunikasi M. Ismail Riyadi menyatakan batas maksimum manfaat ekonomi per hari bagi pinjaman konsumtif dengan tenor di bawah 6 bulan tetap 0,3%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara batas maksimum manfaat ekonomi harian bagi pinjaman konsumtif dengan tenor di atas 6 bulan turun menjadi 0,2% dari sebelumnya 0,3%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menyampaikan bahwa pihaknya juga menetapkan batas maksimum bunga harian untuk pinjaman produktif. Peminjam dari sektor usaha mikro dan ultra mikro dibebankan batas maksimum manfaat ekonomi per hari sebesar 0,275% untuk tenor di bawah 6 bulan dan 0,1% untuk tenor di atas 6 bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedangkan pinjaman produktif untuk usaha kecil dan menengah batas maksimum bunga hariannya sama bagi tenor di bawah 6 bulan maupun tenor di atas 6 bulan, yakni 0,1%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain menetapkan batas baru bunga harian pinjaman online, OJK juga memperkuat aturan terkait ekosistem tersebut, termasuk adanya pembedaan yang jelas antara pemberi dana profesional dan pemberi dana non-profesional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pemberi dana profesional terdiri atas lembaga jasa keuangan; perusahaan berbadan hukum Indonesia\/asing; pemerintah pusat, pemerintah daerah, atau pemerintah asing; organisasi multilateral; maupun orang perseorangan luar negeri (non residen).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Orang perseorangan dalam negeri (residen) juga dapat menjadi pemberi dana profesional asalkan memiliki penghasilan di atas Rp500 juta per tahun, dengan maksimum penempatan dana sebesar 20% dari total penghasilan per tahun pada satu penyelenggara LPBBTI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara pemberi dana non-profesional adalah pihak-pihak selain yang telah disebutkan, dan orang perseorangan dalam negeri (residen) yang memiliki penghasilan sama dengan atau di bawah Rp500 juta per tahun, dengan maksimum penempatan dana sebesar 10% dari total penghasilan per tahun pada satu penyelenggara LPBBTI.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Porsi nominal outstanding pendanaan oleh pemberi dana non-profesional dibandingkan total nominal outstanding pendanaan adalah maksimum 20%, yang berlaku paling lambat 1 Januari 2028.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OJK juga menetapkan bahwa batas usia minimum pemberi dana dan penerima dana adalah 18 tahun atau telah menikah, dan penghasilan minimum Penerima Dana LPBBTI adalah Rp3 juta per bulan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kewajiban pemenuhan atas kriteria pemberi dana dan penerima dana tersebut efektif berlaku terhadap akuisisi pemberi dana dan penerima dana baru maupun perpanjangan, paling lambat 1 Januari 2027.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cTerhadap penguatan pengaturan mengenai LPBBTI tersebut di atas, penyelenggara LPBBTI diminta melakukan langkah-langkah persiapan dan upaya mitigasi risikonya agar tidak berdampak negatif terhadap kinerja penyelenggara LPBBTI,\u201d kata Ismail melalui keterangan resmi, Selasa (31\/12\/2024). (ip\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) menetapkan batas maksimum manfaat ekonomi atau batas bunga harian baru bagi pelaku jasa Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI\/fintech lending) atau pinjaman online yang berlaku sejak Rabu (1\/1\/2025). Plt. Kepala Departemen Literasi, Inklusi Keuangan dan Komunikasi M. Ismail Riyadi menyatakan batas maksimum manfaat ekonomi per hari bagi pinjaman [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":3825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[646,112,4793,376,377,374,379,375,381],"class_list":["post-16388","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","tag-bunga","tag-fintech","tag-harian","tag-jasa","tag-keuangan","tag-ojk","tag-online","tag-otoritas","tag-pinjaman"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025 - 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=16388\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) menetapkan batas maksimum manfaat ekonomi atau batas bunga harian baru bagi pelaku jasa Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI\/fintech lending) atau pinjaman online yang berlaku sejak Rabu (1\/1\/2025). 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Ismail Riyadi menyatakan batas maksimum manfaat ekonomi per hari bagi pinjaman [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=16388\" \/>\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=\"2024-12-31T22:52:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-31T22:52:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/01\/ojk-besar-e1673418016125.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1379\" \/>\n\t<meta property=\"og:image:height\" content=\"851\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\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=\"Iyan Pahlevi\" \/>\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=16388\",\"url\":\"https:\/\/businessupdate.id\/?p=16388\",\"name\":\"OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025 - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-12-31T22:52:23+00:00\",\"dateModified\":\"2024-12-31T22:52:25+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=16388#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=16388\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=16388#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025\"}]},{\"@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\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025 - 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=16388","og_locale":"en_US","og_type":"article","og_title":"OJK Tetapkan Batas Maksimum Bunga Harian Pinjol Mulai 1 Januari 2025 - Businessupdate.id","og_description":"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) menetapkan batas maksimum manfaat ekonomi atau batas bunga harian baru bagi pelaku jasa Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI\/fintech lending) atau pinjaman online yang berlaku sejak Rabu (1\/1\/2025). 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