{"id":6925,"date":"2023-06-14T14:04:08","date_gmt":"2023-06-14T07:04:08","guid":{"rendered":"https:\/\/businessupdate.id\/?p=6925"},"modified":"2023-06-14T16:58:31","modified_gmt":"2023-06-14T09:58:31","slug":"ojk-kaji-bunga-maksimum-pinjol-berpotensi-turun","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=6925","title":{"rendered":"OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Otoritas Jasa Keuangan (OJK) sedang mengkaji bunga maksimum <em>fintech lending<\/em> (pinjaman online\/pinjol) alias <em>peer to peer <\/em>(P2P) <em>lending.<\/em> Besaran bunga berpotensi mengalami penurunan.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Eksekutif Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) Kuseryansyah mengatakan, saat ini bunga pinjaman <em>online<\/em> mengalami penurunan dari 0,8% menjadi 0,4%. \u201cSekarang sudah turun dari 0,8% jadi 0,4%. Sekarang ada wacana untuk diturunkan lagi,\u201d ujar Kuseryansyah di Jakarta, dikutip Rabu (14\/6\/2023).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia mengungkapkan bahwa penurunan bunga pinjaman <em>online<\/em> hingga menyentuh 0,4% salah satunya dipicu oleh membludaknya jumlah pengaduan masyarakat karena dinilai bunga pinjol yang diberikan terlalu tinggi. Pasca penurunan bunga tersebut,&nbsp; jumlah pengaduan masyarakat turun.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cBahkan, kami di bulan terakhir itu sempat <em>zero complain<\/em>. Kalau pun ada, tidak valid,\u201d imbuhnya. Kuseryansyah menuturkan, asosiasi tidak menginginkan adanya bunga yang tinggi karena sejatinya bunga pinjol digunakan untuk membayar kembali para kreditur (lender), menutupi biaya operasional, teknologi, hingga profit dari penyelenggara <em>fintech lending<\/em>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKalau sekarang ada wacana tentang bunga, kami berharap itu lebih ada ruang untuk bisa disegmentasi. Mungkin di segmen-segmen tertentu,\u201d ujarnya. Namun demikian, ia menuturkan bahwa wacana penurunan bunga pinjaman online masih dikaji bersama oleh regulator dan asosiasi untuk menemukan angka yang lebih objektif dan realistis untuk mengimplementasikan bunga di industri fintech lending.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKalau kami masukannya sempat di <em>range<\/em> 0,4\u20140,6%. Untuk <em>risk<\/em> yang tinggi dan tiket kecil, itu kita perlu bunga yang lebih besar. Kalau untuk tiket yang sudah besar, kita oke bunganya kecil,\u201d pungkasnya. (rn\/jh)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) sedang mengkaji bunga maksimum fintech lending (pinjaman online\/pinjol) alias peer to peer (P2P) lending. Besaran bunga berpotensi mengalami penurunan.&nbsp;&nbsp; Direktur Eksekutif Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) Kuseryansyah mengatakan, saat ini bunga pinjaman online mengalami penurunan dari 0,8% menjadi 0,4%. \u201cSekarang sudah turun dari 0,8% jadi 0,4%. Sekarang ada [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":3774,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[646,112,376,377,375,2362,381,378],"class_list":["post-6925","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","tag-bunga","tag-fintech","tag-jasa","tag-keuangan","tag-otoritas","tag-p2p-lending","tag-pinjaman","tag-pinjol"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun - 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=6925\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) sedang mengkaji bunga maksimum fintech lending (pinjaman online\/pinjol) alias peer to peer (P2P) lending. Besaran bunga berpotensi mengalami penurunan.&nbsp;&nbsp; Direktur Eksekutif Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) Kuseryansyah mengatakan, saat ini bunga pinjaman online mengalami penurunan dari 0,8% menjadi 0,4%. \u201cSekarang sudah turun dari 0,8% jadi 0,4%. Sekarang ada [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=6925\" \/>\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=\"2023-06-14T07:04:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-14T09:58:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/01\/ojk-e1673250068714.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1460\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\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=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=6925\",\"url\":\"https:\/\/businessupdate.id\/?p=6925\",\"name\":\"OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2023-06-14T07:04:08+00:00\",\"dateModified\":\"2023-06-14T09:58:31+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=6925#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=6925\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=6925#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun\"}]},{\"@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":"OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun - 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=6925","og_locale":"en_US","og_type":"article","og_title":"OJK Kaji Bunga Maksimum Pinjol, Berpotensi Turun - Businessupdate.id","og_description":"BusinessUpdate &#8211; Otoritas Jasa Keuangan (OJK) sedang mengkaji bunga maksimum fintech lending (pinjaman online\/pinjol) alias peer to peer (P2P) lending. Besaran bunga berpotensi mengalami penurunan.&nbsp;&nbsp; Direktur Eksekutif Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) Kuseryansyah mengatakan, saat ini bunga pinjaman online mengalami penurunan dari 0,8% menjadi 0,4%. \u201cSekarang sudah turun dari 0,8% jadi 0,4%. 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