{"id":22532,"date":"2025-12-16T16:20:40","date_gmt":"2025-12-16T09:20:40","guid":{"rendered":"https:\/\/businessupdate.id\/?p=22532"},"modified":"2025-12-16T16:20:42","modified_gmt":"2025-12-16T09:20:42","slug":"btn-beri-relaksasi-kredit-bagi-nasabah-terdampak-bencana-di-sumatra","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=22532","title":{"rendered":"BTN Beri Relaksasi Kredit bagi nasabah Terdampak Bencana di Sumatra"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Tabungan Negara (Persero) Tbk atau BTN bakal memberikan relaksasi kredit bagi nasabah kredit yang terdampak bencana banjir dan tanah longsor di Aceh, Sumatera Utara, dan Sumatra Barat sesuai dengan kebijakan Otoritas Jasa Keuangan (OJK) yang ditetapkan pada 10 Desember 2025. Adapun pemberian relaksasi mengacu pada Peraturan OJK Nomor 19 Tahun 2022. <\/p>\n\n\n\n<p>Corporate Secretary BTN Ramon Armando mengatakan, BTN mengapresiasi langkah OJK yang menetapkan kebijakan relaksasi kredit kepada debitur yang terdampak bencana banjir dan longsor di tiga wilayah tersebut. Sebab, bencana banjir dan longsor di wilayah Sumatera mempengaruhi perekonomian di daerah terdampak dan kemampuan debitur untuk membayar kredit. <\/p>\n\n\n\n<p>&#8220;BTN tentunya akan memberikan perlakuan khusus bagi nasabah yang terdampak bencana alam tersebut, sesuai dengan ketetapan OJK,&#8221; ujarnya dikutip dari <em>Kompas<\/em>, Selasa (16\/12\/2025). <\/p>\n\n\n\n<p>Ia mengungkapkan, pemberian relaksasi kredit dilakukan sebagai bagian dari mitigasi risiko agar bencana tidak berdampak sistemik serta untuk mendukung percepatan pemulihan aktivitas ekonomi daerah. <\/p>\n\n\n\n<p>Saat ini, BTN masih terus melakukan pendataan dan pengkajian terhadap nasabah-nasabah yang terdampak bencana dengan mengacu kepada Peraturan OJK (POJK) Nomor 19 Tahun 2022. <\/p>\n\n\n\n<p>BTN akan melakukan asesmen berdasarkan ketetapan OJK, yang membagi bentuk relaksasi menjadi tiga jenis, yaitu penilaian kualitas kredit dilakukan berdasarkan ketepatan pembayaran untuk plafon sampai Rp10 miliar; penetapan kualitas lancar untuk kredit atau pembiayaan yang direstrukturisasi, baik sebelum maupun setelah debitur terdampak bencana; serta pemberian pembiayaan baru untuk debitur terdampak dengan penetapan kualitas kredit secara terpisah, sehingga tidak menerapkan konsep one obligor atau risiko kredit dikelompokkan menjadi satu kesatuan risiko tunggal yang berlaku untuk seluruh grup perusahaan atau keluarga debitur tersebut. <\/p>\n\n\n\n<p>&#8220;Dalam ketetapan OJK, kebijakan relaksasi ini berlaku hingga tiga tahun sejak ditetapkan tanggal 10 Desember 2025,&#8221; tambahnya. BTN juga mengapresiasi langkah OJK yang memberikan relaksasi berupa perpanjangan waktu pelaporan bagi bank yang berada di wilayah terdampak bencana, karena sangat membantu meringankan beban administratif bagi jaringan kantor cabang BTN yang juga terkena dampak, baik di Aceh, Sumatera Utara, maupun Sumatera Barat. <\/p>\n\n\n\n<p>Meskipun saat ini jaringan kantor BTN di ketiga daerah tersebut sudah kembali beroperasi, relaksasi tersebut akan membantu dalam operasional kantor-kantor BTN di wilayah terdampak. Kemudian, terkait dampak bencana Sumatra terhadap rasio kredit bermasalah (<em>non-performing loan<\/em>\/NPL) dari wilayah tersebut, BTN masih terus menghitung. (ip\/jh. Foto: Dok. BTN) <\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN bakal memberikan relaksasi kredit bagi nasabah kredit yang terdampak bencana banjir dan tanah longsor di Aceh, Sumatera Utara, dan Sumatra Barat sesuai dengan kebijakan Otoritas Jasa Keuangan (OJK) yang ditetapkan pada 10 Desember 2025. Adapun pemberian relaksasi mengacu pada Peraturan OJK Nomor 19 Tahun 2022. [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":17352,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[472,426,811,183,765,544,925,2145,1144],"class_list":{"0":"post-22532","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-economic","9":"tag-banjir","10":"tag-bank","11":"tag-bencana","12":"tag-btn","13":"tag-kredit","14":"tag-negara","15":"tag-relaksasi","16":"tag-sumatra","17":"tag-tabungan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BTN Beri Relaksasi Kredit bagi nasabah Terdampak Bencana di Sumatra - 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=22532\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BTN Beri Relaksasi Kredit bagi nasabah Terdampak Bencana di Sumatra - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Tabungan Negara (Persero) Tbk atau BTN bakal memberikan relaksasi kredit bagi nasabah kredit yang terdampak bencana banjir dan tanah longsor di Aceh, Sumatera Utara, dan Sumatra Barat sesuai dengan kebijakan Otoritas Jasa Keuangan (OJK) yang ditetapkan pada 10 Desember 2025. 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