{"id":19698,"date":"2026-04-22T07:43:24","date_gmt":"2026-04-22T07:43:24","guid":{"rendered":"http:\/\/politics.news.eraenterprise.id\/?p=19698"},"modified":"2026-04-22T07:43:24","modified_gmt":"2026-04-22T07:43:24","slug":"bunga-turun-bi-pede-penyaluran-kredit-bank-bisa-tembus-12-di-2026","status":"publish","type":"post","link":"https:\/\/politics.news.eraenterprise.id\/?p=19698","title":{"rendered":"Bunga Turun, BI Pede Penyaluran Kredit Bank Bisa Tembus 12% di 2026"},"content":{"rendered":"<div>\n<article morss_own_score=\"5.923076923076923\" morss_score=\"11.259837848526795\">\n<figure class=\"mb-9\" morss_own_score=\"6.0\" morss_score=\"10.5\">\n<imgsrc=\"\"><figcaption class=\"text-sm text-gray\" morss_own_score=\"9.0\" morss_score=\"9.0\">\n                            Foto: Gubernur Bank Indonesia, Perry Warjiyo saat konferensi pers Hasil Rapat Berkala KSSK IV Tahun 2025 di Jakarta, Senin (3\/11\/2025). (CNBC Indonesia\/Faisal Rahman)                        <\/figcaption><\/figure>\n<div class=\"detail-text\" morss_own_score=\"5.013262599469496\" morss_score=\"44.0132625994695\">\n<p><strong>Jakarta, CNBC Indonesia<\/strong> &#8211; Gubernur Bank Indonesia (BI) Perry Warjiyo percaya diri, laju pertumbuhan kredit atau pembiayaan bisa mencapai kisaran 8-12% pada tahun ini.<\/p>\n<p>Level batas atas itu tentu lebih tinggi dari realisasi pertumbuhan penyaluran kredit pada tahun lalu yang sebesar 9,69% secara tahunan, lebih rendah dari periode 2024 yang mampu tumbuh 10,39%.<\/p>\n<p>&#8220;Pertumbuhan kredit 2026 bakal di kisaran 8-12% dipengaruhi sisi permintaan dan penawaran,&#8221; kata Perry saat konferensi pers hasil rapat dewan gubernur BI, Rabu (22\/4\/2026).<\/p>\n<p>Perry menjelaskan, faktor pendorong pertumbuhan kredit ke depan di antaranya ialah suku bunga kredit perbankan yang makin rendah saat ini.<\/p>\n<p>Per Maret 2026, suku bunga kredit kata dia sudah bergerak ke level 8,76% atau turun 44 basis points dari periode sebelumnya. Lalu, suku bunga deposito turun lebih cepat menjadi 4,19% atau merosot 62 bps.<\/p>\n<p>&#8220;Upaya tersebut dilakukan dengan koordinasi dalam mengurangi pemberian special rate yang kini sebesar 26,3% dari total DPK,&#8221; ujar Perry.<\/p>\n<p>Dengan rendahnya suku bunga kredit, Perry mengatakan, laju pertumbuhan kredit per Maret 2026 juga sudah makin tinggi menjadi 9,49% dari bulan sebelumnya 9,37%.<\/p>\n<p>Tingginya pertumbuhan kredit ini menurutnya juga tak terlepas dari upaya bank untuk mengoptimalkan undisbursed loan yang kini masih sebesar RP 2.527,46 triliun atau 22,59% dari plafon kredit.<\/p>\n<p>&#8220;Dari sisi penawaran kapasitas pembiayaan bank memadai DPK masih tumbuh 13,55% pada Maret 2026,&#8221; papar Perry.<\/p>\n<p><strong>(arj\/haa)<\/strong><br \/>\n<a href=\"https:\/\/www.cnbcindonesia.com\/embed\/video\/724163?comscore=off\" target=\"_blank\" rel=\"noopener\">[Gambas:Video CNBC]<br \/><\/a>\n<\/div>\n<p><a href=\"https:\/\/www.cnbcindonesia.com\/market\/20251128200848-17-689536\/bank-indonesia-menargetkan-kredit-tumbuh-8-12-pada-2026\" target=\"_blank\" rel=\"noopener\"><\/p>\n<p><span><br \/>\n\t\t\tNext Article\t\t<\/span><\/p>\n<p><span><br \/>\n\t\t\t\tBank Indonesia Menargetkan Kredit Tumbuh 8%-12% Pada 2026\t\t\t<\/span><\/p>\n<p><\/a><\/p>\n<\/article>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div><img decoding=\"async\" src=\"https:\/\/awsimages.detik.net.id\/visual\/2025\/11\/03\/gubernur-bank-indonesia-perry-warjiyo-saat-konferensi-pers-hasil-rapat-berkala-kssk-iv-tahun-2025-di-jakarta-senin-3112025-1762163233772_169.jpeg?w=1200&amp;q=90\"> Gubernur Bank Indonesia (BI) Perry Warjiyo percaya diri, laju pertumbuhan kredit atau pembiayaan bisa mencapai kisaran 8-12%<\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":[],"rop_publish_now_history":[],"rop_publish_now_status":"pending","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-19698","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=\/wp\/v2\/posts\/19698","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19698"}],"version-history":[{"count":0,"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=\/wp\/v2\/posts\/19698\/revisions"}],"wp:attachment":[{"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19698"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19698"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/politics.news.eraenterprise.id\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19698"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}