{"id":2875,"date":"2022-12-09T14:04:06","date_gmt":"2022-12-09T07:04:06","guid":{"rendered":"https:\/\/businessupdate.id\/?p=2875"},"modified":"2022-12-09T14:04:07","modified_gmt":"2022-12-09T07:04:07","slug":"ojk-terbitkan-aturan-batas-maksimum-pemberian-kredit-oleh-bpr-bprs","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=2875","title":{"rendered":"OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Untuk mendukung stabilitas dan kinerja BPR dan BPRS, Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan OJK Nomor 23 Tahun 2022 tentang Batas Maksimum Pemberian Kredit dan Batas Maksimum Penyaluran Dana.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Penerbitan peraturan ini, jelas OJK melalui siaran pers Jumat (9\/12\/2022), dalam rangka menjaga stabilitas dan mendorong peningkatan kontribusi Bank Perkreditan Rakyat (BPR) dan Bank Perkreditan Rakyat Syariah (BPRS) dalam pertumbuhan ekonomi melalui peningkatan portofolio kredit atau pembiayaan sektor riil dengan tetap mengedepankan prinsip kehati-hatian dan pengelolaan risiko.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">POJK 23\/2022 ini diterbitkan dengan memperhatikan keselarasan kebijakan pengaturan melalui pendekatan <em>principle based<\/em>, dan harmonisasi dengan ketentuan Batas Maksimal Pemberian Kredit (BMPK) dan Batas Maksimal Penyaluran Dana (BMPD) yang berlaku bagi bank umum, serta ketentuan terkini lainnya yang berlaku bagi BPR dan BPRS seperti ketentuan Penilaian Tingkat Kesehatan yang baru terbit tahun ini, dan pelaporan secara daring melalui Aplikasi Pelaporan OJK (APOLO) oleh BPR dan BPRS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">POJK ini pada intinya meminta BPR dan BPRS untuk menerapkan prinsip kehati-hatian dalam memberikan Penyediaan Dana atau Penyaluran Dana. \u201cPenyediaan Dana atau Penyaluran Dana kepada seluruh Pihak Terkait ditetapkan paling tinggi 10% dari Modal BPR atau BPRS,\u201d jelas OJK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain itu, penyediaan dana atau penyaluran dana dalam bentuk penempatan dana antar bank pada BPR atau BPRS lain yang merupakan pihak tidak terkait ditetapkan paling tinggi 20% dari modal BPR atau BPRS.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sedangkan, penyediaan dana dalam bentuk kredit atau penyaluran dana dalam bentuk pembiayaan kepada 1 (satu) peminjam atau nasabah penerima fasilitas pihak tidak terkait ditetapkan paling tinggi 20% dari modal BPR atau BPRS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, penyediaan dana dalam bentuk kredit atau penyaluran dana dalam bentuk pembiayaan kepada 1 (satu) kelompok peminjam atau kelompok nasabah penerima fasilitas pihak tidak terkait ditetapkan paling tinggi 30% dari modal BPR atau BPRS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut OJK, POJK 23\/2022 ini sekaligus mencabut POJK No. 49\/POJK.03\/2017 tentang Batas Maksimum Pemberian Kredit Bank Perkreditan Rakyat dan PBI No.13\/5\/PBI\/2011 tentang Batas Maksimum Penyaluran Dana Bank Pembiayaan Rakyat Syariah.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Penyempurnaan ketentuan BMPK BPR dan BMPD BPRS diharapkan dapat mendorong keberlangsungan usaha BPR dan BPRS sebagai bank yang agile, adaptif, kontributif, dan resilient dalam memberikan akses keuangan usaha mikro dan kecil (UMK) serta masyarakat dalam lingkup daerah atau wilayahnya. (jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Untuk mendukung stabilitas dan kinerja BPR dan BPRS, Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan OJK Nomor 23 Tahun 2022 tentang Batas Maksimum Pemberian Kredit dan Batas Maksimum Penyaluran Dana. Penerbitan peraturan ini, jelas OJK melalui siaran pers Jumat (9\/12\/2022), dalam rangka menjaga stabilitas dan mendorong peningkatan kontribusi Bank Perkreditan Rakyat (BPR) dan Bank [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,48],"tags":[426,559,1261,765,1264,374,1262,1060,1263],"class_list":["post-2875","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-finance","tag-bank","tag-bpr","tag-bprs","tag-kredit","tag-maksimum","tag-ojk","tag-perkreditan","tag-rakyat","tag-syariah"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS - 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=2875\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Untuk mendukung stabilitas dan kinerja BPR dan BPRS, Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan OJK Nomor 23 Tahun 2022 tentang Batas Maksimum Pemberian Kredit dan Batas Maksimum Penyaluran Dana. Penerbitan peraturan ini, jelas OJK melalui siaran pers Jumat (9\/12\/2022), dalam rangka menjaga stabilitas dan mendorong peningkatan kontribusi Bank Perkreditan Rakyat (BPR) dan Bank [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=2875\" \/>\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=\"2022-12-09T07:04:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-12-09T07:04:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2022\/12\/BPR.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"J Haris\" \/>\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=\"J Haris\" \/>\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=2875\",\"url\":\"https:\/\/businessupdate.id\/?p=2875\",\"name\":\"OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2022-12-09T07:04:06+00:00\",\"dateModified\":\"2022-12-09T07:04:07+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/a0c95a30fd1acfadca17dbaf3e6dae0e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=2875#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=2875\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=2875#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS\"}]},{\"@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\/a0c95a30fd1acfadca17dbaf3e6dae0e\",\"name\":\"J Haris\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2a84a42056d9061b5a79cef18367bcf40406dddf5a4fcdf8bc7aff8337331221?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2a84a42056d9061b5a79cef18367bcf40406dddf5a4fcdf8bc7aff8337331221?s=96&d=mm&r=g\",\"caption\":\"J Haris\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=2\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS - 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=2875","og_locale":"en_US","og_type":"article","og_title":"OJK Terbitkan Aturan Batas Maksimum Pemberian Kredit oleh BPR\/BPRS - Businessupdate.id","og_description":"BusinessUpdate &#8211; Untuk mendukung stabilitas dan kinerja BPR dan BPRS, Otoritas Jasa Keuangan (OJK) menerbitkan Peraturan OJK Nomor 23 Tahun 2022 tentang Batas Maksimum Pemberian Kredit dan Batas Maksimum Penyaluran Dana. 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