{"id":6279,"date":"2023-05-09T07:42:31","date_gmt":"2023-05-09T00:42:31","guid":{"rendered":"https:\/\/businessupdate.id\/?p=6279"},"modified":"2023-05-09T07:42:33","modified_gmt":"2023-05-09T00:42:33","slug":"pinjaman-online-kuartal-i-2023-didominasi-sektor-konsumtif","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=6279","title":{"rendered":"Pinjaman Online Kuartal I\/2023 Didominasi Sektor Konsumtif\u00a0"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Otoritas Jasa Keuangan (OJK) mencatat kucuran kredit industri <em>peer-to-peer <\/em>(P2P) <em>lending <\/em>atau pinjaman online pada kuartal I\/2023 didominasi sektor konsumtif yang mencapai 60,03% atau sekitar Rp11,85 triliun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kepala Eksekutif Pengawas Perasuransian, Lembaga Penjamin dan Dana Pensiun OJK Ogi Prastomiyono mengatakan, porsi itu meningkat apabila dibandingkan pada Februari 2023 yang hanya mencapai 59,33%. Sedangkan pada akhir tahun lalu atau pada Desember 2022, pembiayaan konsumtif mencapai 57,96%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBerdasarkan data kami, porsi penyaluran pendanaan P2P <em>lending<\/em> kepada sektor konsumtif pada Maret 2023 sebesar 60,03% dari total penyaluran industri,\u201d kata Ogi melalui keterangan tertulis, dikutip pada Senin (8\/5\/2023).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Secara keseluruhan, OJK mencatat terdapat kenaikan penyaluran pendanaan menjadi sebesar Rp19,74 trilun pada Maret 2023. Angka tersebut meningkat sebesar 8,29% dibandingkan posisi Februari 2023.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Merujuk data Statistik Fintech Lending periode Maret 2023 yang dipublikasikan OJK pada 5 Mei 2023, tercatat penyaluran pinjaman P2P <em>lending<\/em> sektor produktif hanya mencapai Rp7,89 triliun dengan persentase 39,97% terhadap total penyaluran pinjaman. Artinya, porsi sektor konsumtif dalam penyaluran P2P lending mencapai Rp11,85 triliun per Maret 2023.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jika dilihat dari rasio keuangan, terpantau rasio Beban Operasional terhadap Pendapatan Operasional (BOPO) di industri <em>fintech lending<\/em> semakin efisien mencapai 87,36% per Maret 2023, membaik dari periode Februari 2023 dengan angka 89,16%.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OJK optimistis industri P2P lending akan terus bertumbuh pada 2023 dan tahun-tahun berikutnya. Hal ini mengingat kebutuhan akan pendanaan maupun pembiayaan di Indonesia masih sangat luas dan belum dapat dipenuhi secara keseluruhan oleh lembaga jasa keuangan yang ada.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adapun, OJK mendorong P2P lending untuk bekerja sama dan saling berkolaborasi dengan sektor perbankan, industri jasa keuangan (IJK) lainnya, maupun non-lembaga jasa keuangan lainnya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OJK mendorong melalui POJK 10\/2022, di mana terdapat porsi pendanaan yang lebih besar sampai dengan 75% apabila pemberi dananya merupakan pelaku usaha jasa keuangan yang diawasi oleh regulator. (pa\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) mencatat kucuran kredit industri peer-to-peer (P2P) lending atau pinjaman online pada kuartal I\/2023 didominasi sektor konsumtif yang mencapai 60,03% atau sekitar Rp11,85 triliun. Kepala Eksekutif Pengawas Perasuransian, Lembaga Penjamin dan Dana Pensiun OJK Ogi Prastomiyono mengatakan, porsi itu meningkat apabila dibandingkan pada Februari 2023 yang hanya mencapai 59,33%. Sedangkan [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3774,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[376,377,3621,765,2243,374,379,375,2242,2363,381],"class_list":["post-6279","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","tag-jasa","tag-keuangan","tag-konsumtif","tag-kredit","tag-lending","tag-ojk","tag-online","tag-otoritas","tag-p2p","tag-peer-to-peer","tag-pinjaman"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pinjaman Online Kuartal I\/2023 Didominasi Sektor Konsumtif\u00a0 - 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=6279\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pinjaman Online Kuartal I\/2023 Didominasi Sektor Konsumtif\u00a0 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) mencatat kucuran kredit industri peer-to-peer (P2P) lending atau pinjaman online pada kuartal I\/2023 didominasi sektor konsumtif yang mencapai 60,03% atau sekitar Rp11,85 triliun. Kepala Eksekutif Pengawas Perasuransian, Lembaga Penjamin dan Dana Pensiun OJK Ogi Prastomiyono mengatakan, porsi itu meningkat apabila dibandingkan pada Februari 2023 yang hanya mencapai 59,33%. 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