{"id":26107,"date":"2026-07-04T17:42:31","date_gmt":"2026-07-04T10:42:31","guid":{"rendered":"https:\/\/businessupdate.id\/?p=26107"},"modified":"2026-07-04T17:42:33","modified_gmt":"2026-07-04T10:42:33","slug":"strategi-bank-mantap-perbesar-porsi-dana-murah","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=26107","title":{"rendered":"Strategi Bank Mantap Perbesar Porsi Dana Murah"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Mandiri Taspen (Bank Mantap) fokus memperbesar dana murah atau <em>current account saving account<\/em> (CASA) hingga ke kisaran 30% serta mengurangi ketergantungan pada deposito untuk menekan biaya dana (<em>cost of fund<\/em>\/CoF). Simak strategi perseroan untuk mencapai target tersebut.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Pada prinsipnya, kalau kita membesarkan tabungan dan giro dengan bunga lebih sedikit saja lebih mahal dibandingkan dengan yang ada di pasar, tapi lebih murah dari kami punya deposito, saya yakin <em>cost of fund<\/em>-nya akan turun,&#8221; kata Direktur Utama Bank Mandiri Taspen Panji Irawan di Ubud, Bali, Sabtu (4\/7\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Panji, selama hampir 11 tahun, Bank Mantap lebih mengandalkan deposito sebagai sumber pendanaan karena dinilai cukup untuk mendukung pertumbuhan kredit pensiunan dan menghasilkan margin yang memadai. Kondisi tersebut membuat penghimpunan giro dan tabungan belum menjadi fokus utama perseroan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Namun, sejak sekitar tujuh bulan terakhir, perseroan mulai memperkuat penghimpunan giro dan tabungan. Upaya tersebut didukung optimalisasi layanan digital seperti aplikasi Movin, transaksi QRIS, dan layanan Mantap Cash Management (MCM) untuk menarik lebih banyak dana murah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Strategi tersebut sempat mendorong penurunan biaya dana hingga 4,02%, mendekati level di bawah 4% yang ia sebut sebagai rekor terendah dalam sejarah Bank Mantap. Namun, kenaikan suku bunga pasar sejak Juni 2026 membuat biaya dana kembali meningkat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;<em>Cost of fund<\/em> turun nyaris ke 4,02%. Tetapi begitu Juni, naik lagi suku bunga di pasar, tidak bisa kami di bawah 4%. Sebetulnya kalau kemarin tidak ada likuiditas ketat di market, kami optimis sekali,&#8221; jelasnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, Head of Strategic &amp; Performance Management Department Bank Mandiri Taspen Agus Syaiful Anwar menyebutkan rasio CASA perseroan selama ini berada di kisaran 20% hingga 23%. &#8220;CASA kita itu dalam 11 tahun itu rasionya kurang lebih di kisaran 20% sampai 22-23%. Jadi, stagnan di angka itu. Nah, ini kita pengin dorong kalau bisa di 30-40%,&#8221; kata Agus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk mencapai target peningkatan CASA, ia menjelaskan Bank Mantap menawarkan giro dengan suku bunga yang kompetitif, menggarap ekosistem perusahaan dan instansi melalui pendekatan <em>value chain<\/em>, serta mengembangkan fitur aplikasi Movin agar mampu menarik nasabah di luar segmen pensiunan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, perseroan juga menjajaki kerja sama dengan Pegadaian untuk layanan emas dan penyedia platform crowdfunding guna memperkaya layanan digital. &#8220;Karena kalau mengandalkan pensiunan, memang ceruk market atau ceruk potensi CASA-nya segitu-segitu saja karena income-nya mereka dari gaji yang relatif tidak terlalu signifikan pertumbuhannya,&#8221; kata Agus.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di sisi likuiditas, persaingan menghimpun dana semakin ketat seiring kenaikan suku bunga acuan. Meski demikian, Agus menyebut bahwa kondisi likuiditas perseroan masih terjaga. Perseroan mempertahankan <em>loan to funding ratio<\/em> (LFR) di kisaran 85-90%, lebih rendah dibandingkan sekitar 95-96% pada tahun lalu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan laporan keuangan Bank Mantap hingga akhir Mei 2026, dana murah yang terdiri dari giro dan tabungan tumbuh 52,97% secara tahunan (yoy) menjadi Rp15,67 triliun. Rasio CASA tercatat sekitar 26,32%. Pada periode yang sama, deposito tumbuh 6,38% (yoy) menjadi Rp43,87 triliun. Adapun total dana pihak ketiga (DPK) meningkat 15,65% (yoy) menjadi Rp59,53 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara, dari sisi intermediasi, kredit Bank Mantap tumbuh 10,21% (yoy) menjadi Rp52,52 triliun per akhir Mei 2026. Sedangkan, total aset perseroan meningkat 14,40% (yoy) menjadi Rp78,43 triliun. (pa\/jh. Foto: Dok. bank Mantap)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Mandiri Taspen (Bank Mantap) fokus memperbesar dana murah atau current account saving account (CASA) hingga ke kisaran 30% serta mengurangi ketergantungan pada deposito untuk menekan biaya dana (cost of fund\/CoF). Simak strategi perseroan untuk mencapai target tersebut. &#8220;Pada prinsipnya, kalau kita membesarkan tabungan dan giro dengan bunga lebih sedikit saja lebih [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":18473,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,6455,12309,720,10802,1369],"class_list":["post-26107","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-casa","tag-dana-murah","tag-mandiri","tag-mantap","tag-taspen"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Strategi Bank Mantap Perbesar Porsi Dana Murah - 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=26107\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Strategi Bank Mantap Perbesar Porsi Dana Murah - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Mandiri Taspen (Bank Mantap) fokus memperbesar dana murah atau current account saving account (CASA) hingga ke kisaran 30% serta mengurangi ketergantungan pada deposito untuk menekan biaya dana (cost of fund\/CoF). Simak strategi perseroan untuk mencapai target tersebut. &#8220;Pada prinsipnya, kalau kita membesarkan tabungan dan giro dengan bunga lebih sedikit saja lebih [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=26107\" \/>\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=\"2026-07-04T10:42:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-04T10:42:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2025\/05\/bank-mandiri-taspen-e1746179442869.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"756\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=26107\",\"url\":\"https:\/\/businessupdate.id\/?p=26107\",\"name\":\"Strategi Bank Mantap Perbesar Porsi Dana Murah - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-07-04T10:42:31+00:00\",\"dateModified\":\"2026-07-04T10:42:33+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=26107#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=26107\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=26107#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Strategi Bank Mantap Perbesar Porsi Dana Murah\"}]},{\"@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":"Strategi Bank Mantap Perbesar Porsi Dana Murah - 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=26107","og_locale":"en_US","og_type":"article","og_title":"Strategi Bank Mantap Perbesar Porsi Dana Murah - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Mandiri Taspen (Bank Mantap) fokus memperbesar dana murah atau current account saving account (CASA) hingga ke kisaran 30% serta mengurangi ketergantungan pada deposito untuk menekan biaya dana (cost of fund\/CoF). 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