{"id":27103,"date":"2026-09-01T11:45:48","date_gmt":"2026-09-01T04:45:48","guid":{"rendered":"https:\/\/businessupdate.id\/?p=27103"},"modified":"2026-09-01T11:45:50","modified_gmt":"2026-09-01T04:45:50","slug":"kredit-ukm-bank-muamalat-capai-rp32-triliun-target-tumbuh-30-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=27103","title":{"rendered":"Kredit UKM Bank Muamalat Capai Rp3,2 Triliun, Target Tumbuh 30 Persen"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Muamalat Indonesia Tbk mencatat pembiayaan usaha kecil dan menengan (UKM) atau <em>small medium enterprise<\/em> (SME) tumbuh 21% secara tahunan (yoy) mencapai Rp3,2 triliun hingga Juni 2026. Perseroan menyatakan, peningkatan penyaluran pembiayaan UKM ini sebagai upaya mendukung penguatan ekonomi nasional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Bank Muamalat Ricky Rikardo Mulyadi mengatakan, UKM merupakan sektor yang sangat prospektif untuk dikembangkan sehingga perseroan berkomitmen memperkuat ekosistem UKM, khususnya dari sisi digitalisasi dan pendampingan usaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBank Muamalat terus memperluas jangkauan pembiayaan SME ke nasabah. Salah satunya melakukan transformasi digital untuk kecepatan transaksi dan proses pembiayaan,\u201d ujar Ricky dalam keterangan resmi Selasa (1\/9\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Digitalisasi menjadi perhatian serius guna meningkatkan aksesibilitas calon nasabah di berbagai daerah, khususnya yang belum tersentuh layanan kantor cabang. \u201cDengan akses pembiayaan yang semakin luas dan cepat, sektor SME diharapkan dapat berkontribusi lebih besar terhadap perekonomian nasional,\u201d ujar Ricky.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dari aspek kualitas pembiayaan, perseroan fokus menjaga portofolio yang sehat sesuai <em>risk appetite<\/em> yang <em>acceptable<\/em>. Penyaluran pembiayaan SME oleh Bank Muamalat memiliki fokus pada sektor produktif antara lain pendidikan, haji dan umrah, serta kesehatan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ricky menambahkan, tahun ini Bank Muamalat menargetkan pertumbuhan pembiayaan di sektor SME sekitar 30% dari realisasi tahun 2025. Target tersebut optimistis mampu dicapai lewat sejumlah strategi yang dijalankan, di antaranya fokus pada target market di ekosistem pendidikan, haji dan umrah, serta kesehatan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perseroan juga mengoptimalkan kolaborasi dengan seluruh pemangku kepentingan maupun jaringan yang dimiliki. Pendekatan ini diharapkan dapat menghadirkan inovasi dan meningkatkan produktivitas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut perseroan, dukungan terhadap pelaku SME merupakan wujud komitmen perseroan dalam mendorong pertumbuhan ekonomi masyarakat dari hulu ke hilir, mengingat sektor ini dapat bertahan dalam menghadapi gejolak ekonomi. (ip\/jh. Foto: Dok. Bank Muamalat)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Muamalat Indonesia Tbk mencatat pembiayaan usaha kecil dan menengan (UKM) atau small medium enterprise (SME) tumbuh 21% secara tahunan (yoy) mencapai Rp3,2 triliun hingga Juni 2026. Perseroan menyatakan, peningkatan penyaluran pembiayaan UKM ini sebagai upaya mendukung penguatan ekonomi nasional. Direktur Bank Muamalat Ricky Rikardo Mulyadi mengatakan, UKM merupakan sektor yang sangat [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":27104,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[11880,765,2816,2155,137,12721],"class_list":["post-27103","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-muamalat-indonesia","tag-kredit","tag-sme","tag-ukm","tag-umkm","tag-usaha-kecil-dan-menengah"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kredit UKM Bank Muamalat Capai Rp3,2 Triliun, Target Tumbuh 30 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=27103\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kredit UKM Bank Muamalat Capai Rp3,2 Triliun, Target Tumbuh 30 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Muamalat Indonesia Tbk mencatat pembiayaan usaha kecil dan menengan (UKM) atau small medium enterprise (SME) tumbuh 21% secara tahunan (yoy) mencapai Rp3,2 triliun hingga Juni 2026. 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