{"id":23860,"date":"2026-02-19T13:12:15","date_gmt":"2026-02-19T06:12:15","guid":{"rendered":"https:\/\/businessupdate.id\/?p=23860"},"modified":"2026-02-19T13:12:18","modified_gmt":"2026-02-19T06:12:18","slug":"dirut-bri-pertumbuhan-kredit-pada-2026-single-digit","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=23860","title":{"rendered":"Dirut BRI: Pertumbuhan Kredit pada 2026 Single Digit"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) memperkirakan pertumbuhan kredit pada 2026 akan memasuki fase single digit di tengah pemulihan daya beli yang belum merata. Juga, lemahnya permintaan kredit akibat ekspansi dunia usaha yang masih selektif.<\/p>\n\n\n\n<p>Hal tersebut disampaikan Direktur Utama BRI Hery Gunardi dalam Economic Outlook 2025 yang digelar Otoritas Jasa Keuangan (OJK) secara daring, Kamis (19\/2\/2026). \u201cJika kita melihat pertumbuhan ekonomi diperkirakan sedikit lebih baik di 2025 di kisaran 5% plus minus, namun pertumbuhan kredit diproyeksikan memasuki fase single digit,\u201d kata Hery. <\/p>\n\n\n\n<p>Perlambatan tersebut bukan dipicu keterbatasan likuiditas, melainkan lemahnya permintaan kredit akibat ekspansi dunia usaha yang masih selektif dan konsumsi masyarakat, khususnya kelas bawah dan menengah, yang belum sepenuhnya pulih. <\/p>\n\n\n\n<p>Ia menilai, industri perbankan tengah memasuki fase normalisasi pertumbuhan kredit, bukan kondisi krisis, namun juga belum kembali pada fase ekspansif agresif. Dalam fase ini, Hery menekankan pentingnya kualitas pertumbuhan dibanding sekadar mengejar angka pertumbuhan tinggi. <\/p>\n\n\n\n<p>Hery melihat pemulihan likuiditas rumah tangga terjadi secara tidak merata dan cenderung terkonsentrasi pada kelompok berpendapatan tinggi. Ia menuturkan, akselerasi pertumbuhan 2025 terlihat lebih banyak ditopang oleh kelas atas. <\/p>\n\n\n\n<p>Jika menilik indeks daya beli, Hery mengungkapkan bahwa kelas bawah dan menengah masih berada di bawah level normal pra 2019 atau per pandemi. \u201cMeski ada perbaikan dibanding 2024, ruang konsumsi mereka masih terbatas,\u201d ungkapnya. <\/p>\n\n\n\n<p>Sebaliknya, kelas atas sudah kembali ke arah positif dan relatif lebih stabil. Hery mengatakan, kondisi ini menjelaskan mengapa segmen premium seperti properti dan juga kredit korporasi tentu lebih resilient. Di sisi lain, pemulihan likuiditas rumah tangga memang terjadi tetapi terkonsentrasi di kelompok saldo tinggi. <\/p>\n\n\n\n<p>Di segmen menengah atas, pertumbuhan relatif stagnan, menunjukkan pola konsumsi yang lebih berhati-hati dan kecenderungan menahan belanja. Sementara itu, di kelompok atas, saldo tabungan meningkat signifikan, menunjukkan bahwa likuiditas terkonsentrasi pada kelompok berpendapatan tinggi yang masih memiliki ruang memperluas aset finansial. <\/p>\n\n\n\n<p>Menurutnya, asimetri ini penting lantaran ketika likuiditas tidak tersebar merata, transmisi ke konsumsi dan juga kredit mikro menjadi terbatas. Dengan demikian, meskipun dana tersedia dalam sistem dorongan terhadap permintaan riil belum sepenuhnya bisa dijalankan dengan baik. <\/p>\n\n\n\n<p>Jika melihat dinamika tabungan, Hery menyebut bahwa pemulihannya belum merata. Hal ini tercermin dari pertumbuhan saldo kelas bawah masih relatif melambat dan di kelas menengah bawah saldo rata-rata belum menunjukkan rebound yang signifikan. <\/p>\n\n\n\n<p>Kondisi itu menyebabkan ruang ekspansi konsumsi masih terbatas, sementara pertumbuhan dana lebih terkonsentrasi pada kelompok dengan saldo besar. \u201cDengan kata lain, tantangan bukan pada <em>supply<\/em> dana tetapi pada distribusi dan kualitas pemulihan,\u201d tutupnya. (pa\/jh)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) memperkirakan pertumbuhan kredit pada 2026 akan memasuki fase single digit di tengah pemulihan daya beli yang belum merata. Juga, lemahnya permintaan kredit akibat ekspansi dunia usaha yang masih selektif. Hal tersebut disampaikan Direktur Utama BRI Hery Gunardi dalam Economic Outlook 2025 yang digelar Otoritas Jasa Keuangan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":23314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[426,3634,2150,325,765,355,1060],"class_list":{"0":"post-23860","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economic","8":"tag-bank","10":"tag-ekspansi","11":"tag-indonesia","12":"tag-kredit","13":"tag-pertumbuhan","14":"tag-rakyat"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Dirut BRI: Pertumbuhan Kredit pada 2026 Single Digit - 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=23860\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dirut BRI: Pertumbuhan Kredit pada 2026 Single Digit - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) memperkirakan pertumbuhan kredit pada 2026 akan memasuki fase single digit di tengah pemulihan daya beli yang belum merata. Juga, lemahnya permintaan kredit akibat ekspansi dunia usaha yang masih selektif. 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