{"id":19661,"date":"2025-07-08T11:11:29","date_gmt":"2025-07-08T04:11:29","guid":{"rendered":"https:\/\/businessupdate.id\/?p=19661"},"modified":"2025-07-08T11:11:30","modified_gmt":"2025-07-08T04:11:30","slug":"ojk-pertumbuhan-kredit-investasi-pada-mei-2025-capai-1374-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=19661","title":{"rendered":"OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Otoritas Jasa Keuangan (OJK) menyatakan pada Mei 2025, kredit perbankan tumbuh sebesar 8,43% secara tahunan (yoy), menjadi Rp7.997,63 triliun. Adapun, kredit investasi mencatatkan pertumbuhan paling tinggi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBerdasarkan jenis penggunaannya, kredit investasi mencatatkan pertumbuhan tertinggi sebesar 13,74% yoy, disusul oleh kredit konsumsi yang tumbuh 8,82%, dan kredit modal kerja sebesar 4,94%,\u201d kata Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae dalam Konferensi Pers RDK, Selasa (8\/7\/2025). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari sisi kepemilikan, kantor cabang bank yang berkedudukan di luar negeri mencatatkan laju pertumbuhan tertinggi, yakni sebesar 11,61% yoy. Sementara itu, dari sisi debitur, kredit korporasi tumbuh 11,92%, jauh melampaui pertumbuhan kredit usaha mikro, kecil dan menengah (UMKM) yang hanya 2,17% yoy. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Kredit UMKM tumbuh di tengah upaya perbankan yang berfokus pada upaya-upaya pemulihan kualitas kredit UMKM dewasa ini,&#8221; tuturnya. Dari sisi penghimpunan dana, Dana Pihak Ketiga (DPK) juga menunjukkan pertumbuhan sebesar 4,29% yoy menjadi Rp9.072 triliun. Rinciannya, giro tumbuh 5,57%, tabungan 5,39%, dan deposito 2,31%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cLikuiditas perbankan masih berada pada level yang memadai. Rasio alat likuid terhadap non-core deposit (ALNCD) tercatat sebesar 110,33%, dan alat likuid terhadap DPK (ALDPK) sebesar 24,98%, masih jauh di atas threshold masing-masing sebesar 50% dan 10%,\u201d jelasnya. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, <em>liquidity coverage ratio<\/em> (LCR) berada di level tinggi sebesar 192,41%, mencerminkan kekuatan likuiditas sektor perbankan dalam menghadapi tekanan jangka pendek. Adapun kualitas aset tetap terjaga. Rasio kredit bermasalah atau <em>non-performing loan<\/em> (NPL) gross tercatat sebesar 2,29%, dan NPL net di level 0,85%. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, rasio kredit berisiko atau <em>loan at risk<\/em> (LAR) sebesar 9,93%, sedikit meningkat dibandingkan bulan sebelumnya, namun masih berada pada level pra-pandemi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKetahanan perbankan juga tetap kuat, tercermin dari permodalan atau capital adequacy ratio yang berada di level tinggi sebesar 25,51%, menjadi bantalan mitigasi risiko yang sangat kuat di tengah kondisi ketidakpastian global dewasa ini,\u201d tutup Dian. (pa\/jh)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) menyatakan pada Mei 2025, kredit perbankan tumbuh sebesar 8,43% secara tahunan (yoy), menjadi Rp7.997,63 triliun. Adapun, kredit investasi mencatatkan pertumbuhan paling tinggi. \u201cBerdasarkan jenis penggunaannya, kredit investasi mencatatkan pertumbuhan tertinggi sebesar 13,74% yoy, disusul oleh kredit konsumsi yang tumbuh 8,82%, dan kredit modal kerja sebesar 4,94%,\u201d kata Kepala Eksekutif [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,76],"tags":[426,349,376,377,449,765,374,375,2760],"class_list":["post-19661","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","category-national","tag-bank","tag-investasi","tag-jasa","tag-keuangan","tag-konsumsi","tag-kredit","tag-ojk","tag-otoritas","tag-tumbuh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen - 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=19661\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) menyatakan pada Mei 2025, kredit perbankan tumbuh sebesar 8,43% secara tahunan (yoy), menjadi Rp7.997,63 triliun. Adapun, kredit investasi mencatatkan pertumbuhan paling tinggi. \u201cBerdasarkan jenis penggunaannya, kredit investasi mencatatkan pertumbuhan tertinggi sebesar 13,74% yoy, disusul oleh kredit konsumsi yang tumbuh 8,82%, dan kredit modal kerja sebesar 4,94%,\u201d kata Kepala Eksekutif [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=19661\" \/>\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=\"2025-07-08T04:11:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-08T04:11:30+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=\"Premieri A\" \/>\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=\"Premieri A\" \/>\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=19661\",\"url\":\"https:\/\/businessupdate.id\/?p=19661\",\"name\":\"OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2025-07-08T04:11:29+00:00\",\"dateModified\":\"2025-07-08T04:11:30+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=19661#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=19661\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=19661#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen\"}]},{\"@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\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen - 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=19661","og_locale":"en_US","og_type":"article","og_title":"OJK: Pertumbuhan Kredit Investasi pada Mei 2025 Capai 13,74 Persen - Businessupdate.id","og_description":"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) menyatakan pada Mei 2025, kredit perbankan tumbuh sebesar 8,43% secara tahunan (yoy), menjadi Rp7.997,63 triliun. 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