{"id":26332,"date":"2026-07-17T11:35:51","date_gmt":"2026-07-17T04:35:51","guid":{"rendered":"https:\/\/businessupdate.id\/?p=26332"},"modified":"2026-07-17T11:35:53","modified_gmt":"2026-07-17T04:35:53","slug":"btn-turunkan-target-pertumbuhan-kredit-di-tengah-ketatnya-likuiditas","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=26332","title":{"rendered":"BTN Turunkan Target Pertumbuhan Kredit di Tengah Ketatnya Likuiditas"},"content":{"rendered":"\n

BusinessUpdate –<\/strong> PT Bank Tabungan Negara (Persero) Tbk (BBTN) akan mengerem laju pertumbuhan kredit menjadi 8 hingga 10% hingga akhir 2026 di tengah ketatnya likuiditas industri perbankan. <\/p>\n\n\n\n

Target tersebut lebih rendah dari realisasi pertumbuhan kredit 2025 sebesar 11,9% secara tahunan (yoy), maupun realisasi penyaluran kredit konsolidasian pada Semester I\/2026 sebesar 11,2% yoy. <\/p>\n\n\n\n

Direktur Utama BTN Nixon LP Napitupulu mengatakan, perlambatan pertumbuhan kredit dilakukan agar perseroan dapat menjaga kualitas aset di tengah kenaikan biaya dana (cost of fund<\/em>) akibat tingginya suku bunga acuan Bank Indonesia (BI rate) dan ketatnya likuiditas. <\/p>\n\n\n\n

Dengan strategi tersebut, BTN berharap rasio kredit bermasalah (non-performing loan<\/em>\/NPL) tetap terjaga di bawah 3%. Adapun NPL BTN per Semester I\/2026 sebesar 2,99%, turun dari periode yang sama tahun sebelumnya yang sebesar 3,3%. <\/p>\n\n\n\n

“Untuk sampai dengan akhir tahun, mungkin kita akan sedikit menurunkan pertumbuhan kredit ke arah 8-10%,” ujarnya saat paparan kinerja Semester I\/2026 di Menara 2 BTN, Jakarta, Kamis (17\/7\/2026). Hingga saat ini BTN belum melihat tanda-tanda tren kenaikan BI rate akan melambat ataupun stagnan. <\/p>\n\n\n\n

Untuk itu, perseroan masih mencermati pergerakan BI Rate maupun tingkat imbal hasil (yield<\/em>) Sekuritas Rupiah Bank Indonesia (SRBI) yang dinilai masih berada dalam tren meningkat. Pasalnya, kondisi itu membuat likuiditas di industri perbankan semakin ketat. <\/p>\n\n\n\n

Nixon menyebut, outstanding SRBI bahkan telah menembus Rp1.000 triliun, sehingga banyak dana terserap ke instrumen bank sentral tersebut. “Dengan situasi likuiditas yang sangat ketat, bunga pasti naik. <\/p>\n\n\n\n

Bunga naik, kita enggak bisa menaikkan kredit serta-merta, yang ada nanti malah jadi NPL apalagi kalau konsumer. Kita enggak bisa menaikkan bunga KPR naik 2%, naik 3%, enggak. Justru terkadang kita yang ngalah, dana naik, KPR enggak naik,” jelasnya. <\/p>\n\n\n\n

Oleh karenanya, perseroan memilih menyesuaikan laju pertumbuhan kredit dengan kondisi pasar. Perseroan juga secara rutin menggelar rapat Asset Liability Committee (ALCO) setiap pekan untuk memantau perkembangan suku bunga, likuiditas, dan kondisi makroekonomi. Strategi penyaluran kredit baru akan kembali dipacu apabila kondisi likuiditas mulai membaik. <\/p>\n\n\n\n

Untuk menjaga profitabilitas sekaligus kualitas aset, BTN juga mengubah fokus penyaluran kredit. Perseroan tetap mendorong pembiayaan yang mendukung program pemerintah, seperti Kredit Usaha Rakyat (KUR), KPR subsidi melalui skema Fasilitas Likuiditas Pembiayaan Perumahan (FLPP), dan Kredit Program Perumahan (KPP). Sebaliknya, BTN memperketat seleksi penyaluran kredit kepada korporasi besar, terutama yang menawarkan tingkat yield rendah. (pa\/jh. Foto: Dok BTN)<\/p>\n\n\n\n

<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

BusinessUpdate – PT Bank Tabungan Negara (Persero) Tbk (BBTN) akan mengerem laju pertumbuhan kredit menjadi 8 hingga 10% hingga akhir 2026 di tengah ketatnya likuiditas industri perbankan. Target tersebut lebih rendah dari realisasi pertumbuhan kredit 2025 sebesar 11,9% secara tahunan (yoy), maupun realisasi penyaluran kredit konsolidasian pada Semester I\/2026 sebesar 11,2% yoy. Direktur Utama BTN […]<\/p>\n","protected":false},"author":5,"featured_media":26053,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[11464,2360,183,765,763],"class_list":["post-26332","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-tabungan-negara","tag-bermasalah","tag-btn","tag-kredit","tag-penyaluran"],"yoast_head":"\nBTN Turunkan Target Pertumbuhan Kredit di Tengah Ketatnya Likuiditas - 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=26332\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BTN Turunkan Target Pertumbuhan Kredit di Tengah Ketatnya Likuiditas - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – PT Bank Tabungan Negara (Persero) Tbk (BBTN) akan mengerem laju pertumbuhan kredit menjadi 8 hingga 10% hingga akhir 2026 di tengah ketatnya likuiditas industri perbankan. Target tersebut lebih rendah dari realisasi pertumbuhan kredit 2025 sebesar 11,9% secara tahunan (yoy), maupun realisasi penyaluran kredit konsolidasian pada Semester I\/2026 sebesar 11,2% yoy. 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