{"id":9610,"date":"2023-11-24T13:09:38","date_gmt":"2023-11-24T06:09:38","guid":{"rendered":"https:\/\/businessupdate.id\/?p=9610"},"modified":"2023-11-24T13:09:41","modified_gmt":"2023-11-24T06:09:41","slug":"terjerat-pinjol-30-persen-pengajuan-kpr-bersubsidi-ditolak","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=9610","title":{"rendered":"Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Chief Economist BTN dan Tim Ekonom Perhimpunan Bank Nasional (Perbanas) Winang Budoyo mengatakan, 30% pengajuan Kredit Pemilikan Rumah (KPR) bersubsidi ditolak karena nasabah terjerat pinjaman <em>online<\/em> (Pinjol).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Jadi ada data yang menunjukkan bahwa paling tidak 30% aplikasi KPR subsidi, minimal di BTN, itu terpaksa kita tolak karena dia terlibat pinjol. Maksudnya pinjol itu dia memiliki tunggakan,&#8221; kata Winang dalam Media Briefing Perbanas di Bandung Barat, Jawa Barat, Jumat (24\/11\/2023).&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menambahkan, meski nasabah menunggak pembayaran pinjol hanya Rp200.000, BTN tak bisa memberikan KPR subsidi. &#8220;Menyedihkan tunggakannya itu Rp100.000-200.000 tapi dengan nunggak Rp100.000 dia (nasabah) jadi nggak bisa ikut KPR. Itu kenyataan yang harus kita hadapi,&#8221; lanjutnya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Saat ini ada 12,7 juta keluarga yang belum mempunyai rumah. Hal ini menunjukkan kebutuhan KPR masih tinggi. &#8220;Sehingga mereka yang ingin memiliki rumah mereka sudah semacam menabung dulu,&#8221; ucapnya.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sebagai informasi, jumlah pengguna Pinjaman <em>Online<\/em> (Pinjol) di kalangan anak muda melonjak seiring kemudahaan akses keuangan digital. Namun, tidak diimbangi dengan literasi keuangan yang memadai.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peneliti Center of Digital Economy and SMEs INDEF Nailul Huda mengungkapkan, pinjaman rata-rata pengguna Pinjol dengan rentang usia di bawah 19 tahun mencapai Rp2,3 juta. Sementara itu, pinjaman untuk pengguna Pinjol dengan rentang usia 20 sampai 34 tahun sebesar Rp2,5 juta.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan data dari Badan Pusat Statistik (BPS), pendapatan rata-rata pemuda di Indonesia dengan rentang umur 18 sampai 34 tahun hanya Rp2 juta per bulan. &#8220;Artinya memang pendapatan rata-rata pemuda kita bisa jadi lebih rendah dibandingkan dengan yang mereka hutang di pinjaman <em>online<\/em> yang mencapai Rp2,3 juta sampai 2,5 juta,&#8221; kata Nailul dalam diskusi publik &#8220;Bahaya Pinjaman <em>Online<\/em> bagi Penduduk Usia Muda&#8221; secara virtual, Senin (11\/9\/2023). (ip\/jh)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Chief Economist BTN dan Tim Ekonom Perhimpunan Bank Nasional (Perbanas) Winang Budoyo mengatakan, 30% pengajuan Kredit Pemilikan Rumah (KPR) bersubsidi ditolak karena nasabah terjerat pinjaman online (Pinjol).&nbsp; &#8220;Jadi ada data yang menunjukkan bahwa paling tidak 30% aplikasi KPR subsidi, minimal di BTN, itu terpaksa kita tolak karena dia terlibat pinjol. Maksudnya pinjol itu [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":2825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,248,765,379,1486,381,827,239],"class_list":["post-9610","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank","tag-kpr","tag-kredit","tag-online","tag-pemilikan","tag-pinjaman","tag-rumah","tag-subsidi"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak - 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=9610\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Chief Economist BTN dan Tim Ekonom Perhimpunan Bank Nasional (Perbanas) Winang Budoyo mengatakan, 30% pengajuan Kredit Pemilikan Rumah (KPR) bersubsidi ditolak karena nasabah terjerat pinjaman online (Pinjol).&nbsp; &#8220;Jadi ada data yang menunjukkan bahwa paling tidak 30% aplikasi KPR subsidi, minimal di BTN, itu terpaksa kita tolak karena dia terlibat pinjol. Maksudnya pinjol itu [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=9610\" \/>\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=\"2023-11-24T06:09:38+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-24T06:09:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2022\/12\/KPR-BTN.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\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=\"Iyan Pahlevi\" \/>\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=9610\",\"url\":\"https:\/\/businessupdate.id\/?p=9610\",\"name\":\"Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2023-11-24T06:09:38+00:00\",\"dateModified\":\"2023-11-24T06:09:41+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=9610#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=9610\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=9610#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak\"}]},{\"@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\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak - 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=9610","og_locale":"en_US","og_type":"article","og_title":"Terjerat Pinjol, 30 Persen Pengajuan KPR Bersubsidi Ditolak - Businessupdate.id","og_description":"BusinessUpdate &#8211; Chief Economist BTN dan Tim Ekonom Perhimpunan Bank Nasional (Perbanas) Winang Budoyo mengatakan, 30% pengajuan Kredit Pemilikan Rumah (KPR) bersubsidi ditolak karena nasabah terjerat pinjaman online (Pinjol).&nbsp; &#8220;Jadi ada data yang menunjukkan bahwa paling tidak 30% aplikasi KPR subsidi, minimal di BTN, itu terpaksa kita tolak karena dia terlibat pinjol. 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