{"id":28042,"date":"2026-10-23T10:35:52","date_gmt":"2026-10-23T03:35:52","guid":{"rendered":"https:\/\/businessupdate.id\/?p=28042"},"modified":"2026-10-23T10:36:59","modified_gmt":"2026-10-23T03:36:59","slug":"pemerintah-turunkan-bunga-pnm-mekaar-jadi-8-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=28042","title":{"rendered":"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Pemerintah menurunkan bunga pembiayaan program Permodalan Nasional Madani (PNM) Mekaar dari sebelumnya sekitar 20-25% per tahun menjadi 8% untuk memperluas akses pembiayaan bagi pelaku usaha mikro yang belum terjangkau layanan perbankan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menteri Usaha Mikro, Kecil, dan Menengah (UMKM) Maman Abdurrahman mengatakan, penurunan bunga tersebut merupakan arahan Presiden Prabowo Subianto. Penyesuaiannya telah dibahas bersama sejumlah pihak, termasuk badan usaha milik negara (BUMN), Kementerian Keuangan, dan Kementerian Koordinator Bidang Perekonomian. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maman menegaskan Presiden meminta bunganya diturunkan di bawah 10%. Setelah melalukan pertemuan dengan pihak terkait, akhirnya pada Kamis (22\/10\/2026) disepakat di angka 8%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PNM Mekaar menyediakan pembiayaan mulai dari Rp1 juta hingga Rp20 juta. Program ini antara lain menyasar perempuan yang menjalankan usaha mikro untuk memenuhi kebutuhan sehari-hari.  Terjadi penurunan pinjaman yang sangat signifikan, dari yang awalnya 20 sampai 25%, sekarang di angka 8%. Pinjaman ini tanpa agunan sama sekali.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain menurunkan bunga PNM Mekaar, pemerintah mendorong akses pembiayaan UMKM melalui Kredit Usaha Rakyat (KUR). Program ini menyasar pelaku usaha yang belum memenuhi persyaratan perbankan atau belum <em>bankable<\/em>, tetapi memiliki kelayakan dan prospek usaha atau <em>feasible<\/em>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pemerintah menyediakan kuota KUR sekitar Rp300 triliun per tahun. Pembiayaan disalurkan melalui sejumlah bank, dengan Bank Rakyat Indonesia (BRI) sebagai salah satu penyalur yang memiliki kuota terbesar. Menurut Maman, jaringan BRI hingga tingkat desa mendukung jangkauan pembiayaan kepada pelaku UMKM. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pemerintah juga mengevaluasi penyaluran KUR agar pelaku usaha yang layak tidak terhambat oleh layanan perbankan. Maman menambahkan, aturan terbaru memungkinkan pelaku usaha mengajukan KUR beberapa kali dengan bunga tetap 8%. Ketentuan ini berbeda dari skema sebelumnya, yang membatasi pengajuan maksimal empat kali dengan bunga bertingkat. (pa\/jh. Foto: Dok. PNM)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Pemerintah menurunkan bunga pembiayaan program Permodalan Nasional Madani (PNM) Mekaar dari sebelumnya sekitar 20-25% per tahun menjadi 8% untuk memperluas akses pembiayaan bagi pelaku usaha mikro yang belum terjangkau layanan perbankan. Menteri Usaha Mikro, Kecil, dan Menengah (UMKM) Maman Abdurrahman mengatakan, penurunan bunga tersebut merupakan arahan Presiden Prabowo Subianto. Penyesuaiannya telah dibahas bersama [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":28043,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48,80],"tags":[646,735,381,13214,3150,137],"class_list":["post-28042","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","category-micro","tag-bunga","tag-mikro","tag-pinjaman","tag-pnm-mekaar","tag-tanpa-agunan","tag-umkm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 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=28042\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Pemerintah menurunkan bunga pembiayaan program Permodalan Nasional Madani (PNM) Mekaar dari sebelumnya sekitar 20-25% per tahun menjadi 8% untuk memperluas akses pembiayaan bagi pelaku usaha mikro yang belum terjangkau layanan perbankan. Menteri Usaha Mikro, Kecil, dan Menengah (UMKM) Maman Abdurrahman mengatakan, penurunan bunga tersebut merupakan arahan Presiden Prabowo Subianto. Penyesuaiannya telah dibahas bersama [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=28042\" \/>\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=\"2026-10-23T03:35:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-23T03:36:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/10\/PNM-HO-e1792726544505.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1152\" \/>\n\t<meta property=\"og:image:height\" content=\"710\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=28042\",\"url\":\"https:\/\/businessupdate.id\/?p=28042\",\"name\":\"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-10-23T03:35:52+00:00\",\"dateModified\":\"2026-10-23T03:36:59+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=28042#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=28042\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=28042#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen\"}]},{\"@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":"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen - 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=28042","og_locale":"en_US","og_type":"article","og_title":"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen - Businessupdate.id","og_description":"BusinessUpdate &#8211; Pemerintah menurunkan bunga pembiayaan program Permodalan Nasional Madani (PNM) Mekaar dari sebelumnya sekitar 20-25% per tahun menjadi 8% untuk memperluas akses pembiayaan bagi pelaku usaha mikro yang belum terjangkau layanan perbankan. Menteri Usaha Mikro, Kecil, dan Menengah (UMKM) Maman Abdurrahman mengatakan, penurunan bunga tersebut merupakan arahan Presiden Prabowo Subianto. Penyesuaiannya telah dibahas bersama [&hellip;]","og_url":"https:\/\/businessupdate.id\/?p=28042","og_site_name":"Businessupdate.id","article_publisher":"https:\/\/www.facebook.com\/profile.php?id=100088795961927","article_published_time":"2026-10-23T03:35:52+00:00","article_modified_time":"2026-10-23T03:36:59+00:00","og_image":[{"width":1152,"height":710,"url":"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/10\/PNM-HO-e1792726544505.jpeg","type":"image\/jpeg"}],"author":"Premieri A","twitter_card":"summary_large_image","twitter_creator":"@EnterpriseMse","twitter_site":"@EnterpriseMse","twitter_misc":{"Written by":"Premieri A","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/businessupdate.id\/?p=28042","url":"https:\/\/businessupdate.id\/?p=28042","name":"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen - Businessupdate.id","isPartOf":{"@id":"https:\/\/businessupdate.id\/#website"},"datePublished":"2026-10-23T03:35:52+00:00","dateModified":"2026-10-23T03:36:59+00:00","author":{"@id":"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e"},"breadcrumb":{"@id":"https:\/\/businessupdate.id\/?p=28042#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/businessupdate.id\/?p=28042"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/businessupdate.id\/?p=28042#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/businessupdate.id\/"},{"@type":"ListItem","position":2,"name":"Pemerintah Turunkan Bunga PNM Mekaar Jadi 8 Persen"}]},{"@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"}]}},"_links":{"self":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/28042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=28042"}],"version-history":[{"count":1,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/28042\/revisions"}],"predecessor-version":[{"id":28044,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/posts\/28042\/revisions\/28044"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=\/wp\/v2\/media\/28043"}],"wp:attachment":[{"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=28042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=28042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessupdate.id\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=28042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}