Perbankan Tunjukan Penyaluran Kredit Yang Baik dan Stabil

Written by on February 7, 2024

Perbankan Tunjukan Penyaluran Kredit Yang Baik dan Stabil

Tika | Thomson News Bali

07 Februari 2024

Badung – Kantor Otoritas Jasa Keuangan (OJK) Provinsi Bali menilai Industri Jasa Keuangan (IJK) di Provinsi Bali posisi Desember 2023 terjaga stabil dan solid didukung oleh permodalan yang kuat, kondisi likuiditas yang memadai, dan profil risiko yang terjaga. Data sektor perbankan Provinsi Bali posisi Desember 2023 menunjukkan penyaluran kredit maupun penghimpunan DPK mengalami pertumbuhan yang semakin membaik dari periode sebelumnya.

Penyaluran kredit mencapai Rp105,15 triliun atau tumbuh 6,10 persen yoy lebih tinggi dibandingkan posisi yang sama tahun sebelumnya yang sebesar 4,10 persen yoy yaitu November 2023 sebesar 6,14 persen yoy .Penyaluran kredit Bank Umum di Bali sebesar Rp92,26 triliun atau tumbuh 6,27persen yoy, lebih tinggi dibandingkan posisi Desember 2022 yang sebesar 4,23 persen yoy.

Sementara itu, penyaluran kredit BPR posisi Desember 2023 mencapai Rp12,89triliun atau tumbuh 4,88 persen yoy, juga lebih tinggi dibandingkan posisi Desember 2022 yang sebesar 3,19 persen yoy. Peningkatan penyaluran kredit secara yoy ini selaras dengan meningkatnya aktivitas pariwisata serta sektor pendukung pariwisata di Bali.

Berdasarkan jenis penggunaannya, pertumbuhan kredit yoy didorong oleh peningkatan nominal kredit Investasi yang bertambah sebesar Rp4,03 triliun atau tumbuh 15,61persen yoy (Desember 2022: 8,25 persen yoy).

” Kalau di analisa ternyata orang orang masih percaya untuk menyimpan uangnya di perbankan di Bali dan tingginya pertumbuhan kredit investasi ini menggambarkan meningkatnya kepercayaan masyarakat terhadap kondisi ekonomi di Bal,” jelas Ananda E Mooy selaku Direktur Pengawasan Lembaga Jasa Keuangan OJK Provinsi Bali pada acara Ngobrol Ringan dan Santai (Ngorta) pada Selasa (6/2) di Gianyar Bali dan dihadiri pula oleh Kepala OJK Bali Provinsi Bali Kristrianti Puji Rahayu

Dikatakan Ananda, Berdasarkan sektornya, pertumbuhan kredit disumbangkan oleh peningkatan nominal penyaluran di Sektor Perdagangan Besar dan Eceran yang bertambah sebesar Rp1,84triliun (tumbuh 6,16 persen yoy) serta Sektor Penerima Kredit Bukan Lapangan Usahasebesar Rp1,31 triliun (tumbuh 3,77 persen yoy). Berdasarkan kategori debitur, sebesar 52,91 persen kredit di Bali disalurkan kepada UMKM dengan pertumbuhan sebesar 7,87 persen yoy (Desember 2022: 6,31 persen yoy).

Realisasi penyaluran Kredit Usaha Rakyat (KUR) oleh perbankan di Provinsi Bali selama tahun 2023 mencapai sebesar Rp8,86 Triliun kepada 110.083 rekening dan berhasil melebihi target penyaluran KUR tahun 2023 yang sebesar Rp8,50 Triliun. Realisasi KUR terbesar pada sektor Perdagangan Besar dan Eceran (42 persen), Pertanian (16persen), dan Industri Pengolahan (12 persen).

OJK Provinsi Bali senantiasa mendorong perbankan untuk menyalurkan KUR serta mendukung upaya penuh Pemerintah melalui berbagai Kementerian dan Lembaga dalam penyaluran dan pemanfaatan KUR.

“KUR yang di salurkan di perbankan Bali cukup besar dan itu di subsidi oleh pemerintah dan mari kita dorong lebih optimal lagi dalam penyaluran kredit KUR di Bali,” harapnya. (Tik)


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