{"id":4304,"date":"2023-01-31T15:26:28","date_gmt":"2023-01-31T08:26:28","guid":{"rendered":"https:\/\/businessupdate.id\/?p=4304"},"modified":"2023-01-31T15:26:53","modified_gmt":"2023-01-31T08:26:53","slug":"suku-bunga-tabungan-deposito-dan-kpr-diprediksi-akan-naik","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=4304","title":{"rendered":"Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Lembaga Penjamin Simpanan (LPS) memprediksi kenaikan suku bunga Bank Indonesia (BI) pada tahun ini akan berdampak pada kenaikan suku bunga tabungan, deposito termasuk kredit kepemilikan rumah (KPR).&nbsp;&nbsp;<\/p>\n\n\n\n<p>Ketua Dewan Komisioner LPS Purbaya Yudhi Sadewa mengatakan, di sisi domestik, tahun ini akan terdapat kenaikan suku bunga simpanan rupiah dampak dari kenaikan suku bunga acuan Bank Indonesia (BI).&nbsp;<\/p>\n\n\n\n<p>&#8220;Tren kenaikan suku bunga simpanan [deposito dan tabungan] akan berlanjut merespon perubahan arah kebijakan moneter,&#8221; kata Ketua Dewan Komisioner LPS Purbaya Yudhi Sadewa dalam rapat dengar pendapat (RDP) Komisi XI DPR dengan LPS pada Selasa (31\/1\/2023).&nbsp;<\/p>\n\n\n\n<p>Selain dari sisi domestik, khusus untuk suku bunga simpanan valas juga akan naik terdorong oleh kebijakan The Fed yang <em>less hawkish<\/em> dan nilai tukar potensial. Sementara, LPS juga mencatat bahwa penyesuaian suku bunga perbankan ke depan masih akan dipengaruhi kondisi likuiditas dan target <em>spread<\/em> antara suku bunga simpanan dan kredit.&nbsp;<\/p>\n\n\n\n<p>Meskipun suku bunga simpanan diperkirakan meningkat, namun menurut LPS, kondisi likuiditas bank diperkirakan masih terjaga seiring dengan meningkatnya kebutuhan bank untuk menyalurkan kredit serta memenuhi ketentuan kebijakan likuiditas BI.&nbsp;<\/p>\n\n\n\n<p>Sebelumnya, berdasarkan laporan Indikator Likuiditas Desember 2022 yang dirilis LPS, rata-rata tingkat bunga deposito rupiah di seluruh bank pada Desember 2022 telah naik 21 basis poin (bps) ke level 3,71%.&nbsp;<\/p>\n\n\n\n<p>Suku bunga simpanan di bank dengan modal inti Rp14 triliun-Rp70 triliun atau KBMI 3 menunjukkan kenaikan terbesar yaitu 27 bps ke level 3,51%. Kemudian, suku bunga di bank bermodal inti kurang dari Rp6 triliun atau KBMI 1 naik 23 bps ke level 3,82%.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Suku bunga simpanan bank yang bermodal inti di atas Rp70 triliun mencapai 2,43%. Sementara, bank bermodal inti Rp6 triliun-Rp14 triliun mencatatkan suku bunga simpanan 3,72%.&nbsp;<\/p>\n\n\n\n<p>LPS juga mencatat bahwa suku bunga simpanan valas mengalami kenaikan seiring berlanjutnya kenaikan suku bunga global. Suku bunga rata-rata seluruh bank valas naik 17 bps ke level 1,27%.&nbsp; (rn\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Lembaga Penjamin Simpanan (LPS) memprediksi kenaikan suku bunga Bank Indonesia (BI) pada tahun ini akan berdampak pada kenaikan suku bunga tabungan, deposito termasuk kredit kepemilikan rumah (KPR).&nbsp;&nbsp; Ketua Dewan Komisioner LPS Purbaya Yudhi Sadewa mengatakan, di sisi domestik, tahun ini akan terdapat kenaikan suku bunga simpanan rupiah dampak dari kenaikan suku bunga acuan [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4305,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,48],"tags":[426,646,831,2276,248,765,827,645,1144],"class_list":{"0":"post-4304","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-finance","9":"tag-bank","10":"tag-bunga","11":"tag-deposito","12":"tag-kepemilikan","13":"tag-kpr","14":"tag-kredit","15":"tag-rumah","16":"tag-suku","17":"tag-tabungan"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik - 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=4304\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Lembaga Penjamin Simpanan (LPS) memprediksi kenaikan suku bunga Bank Indonesia (BI) pada tahun ini akan berdampak pada kenaikan suku bunga tabungan, deposito termasuk kredit kepemilikan rumah (KPR).&nbsp;&nbsp; Ketua Dewan Komisioner LPS Purbaya Yudhi Sadewa mengatakan, di sisi domestik, tahun ini akan terdapat kenaikan suku bunga simpanan rupiah dampak dari kenaikan suku bunga acuan [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=4304\" \/>\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=\"2023-01-31T08:26:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-01-31T08:26:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/01\/kpr-e1675153578636.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1116\" \/>\n\t<meta property=\"og:image:height\" content=\"659\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\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=\"Rahman N\" \/>\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=4304\",\"url\":\"https:\/\/businessupdate.id\/?p=4304\",\"name\":\"Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2023-01-31T08:26:28+00:00\",\"dateModified\":\"2023-01-31T08:26:53+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=4304#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=4304\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=4304#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik\"}]},{\"@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\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik - 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=4304","og_locale":"en_US","og_type":"article","og_title":"Suku Bunga Tabungan, Deposito dan KPR Diprediksi akan Naik - Businessupdate.id","og_description":"BusinessUpdate &#8211; 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