"BI Rate"5,75% Dukung Kredit.
Pikiran
o
.S e la s a
4
5
6
20
21
3
19
O P eb
o
M a r
O Apr
0
Ra bu
7
8
22
24
o
11
12
25
O Jul
" B I R a te "
--
Jum a t
10
O Jun
,
0
K a m is
9
23
O M ei
R akyat
ZYXWVUTSRQPONMLKJIHGFEDCBA
DCBA
0
26
Ags
S a b tu
13
27
.S e p
28
O O kt
29
30
O N ov
5 ,7 5 0 / 0 '
----
D u k u n g Iu -e d it
"Non Performing Loan" Dinilai Masih Wajar
M e n y in g g u n g k e m u n g k in a n
n o n p e r fo r m i n q
p e n in g k a ta n
lo a n /N P L
(k re d it m a c e t) d e -
M a la h b is a d ik a ta k a n p e rtu rn b u h a n k re d it p e rb a n k a n y a n g
b e rla n g s u n g s a a t in i b e lu m o p ti-'
r e s i k o N P L t i d a k b e r a r t i 'N P L n y a n a ik , D a n s e ja u h in i d i p e rb a n k a n n a s io n a l, b e lu m a d a in -
n g a n tin g k a t p e rtu m b u h a n k re d it te rs e b u t, A ld rin m e n g a ta k a n
m a l , m a s i h b i s a d i t i n g k a t k a n ,"
k a ta n y a ,
d ik a s i p e n in g k a ta n
m em bahayakan.
s e ja u h in i b e lu m a d a in d ik a s i k e
a ra h Itu . B e lu m a d a s in y a l-s in y a l
T e rk a it rilis te rb a ru L e m b a g a
P e m e rin g k a t
In te rn a s io n a l,
" F itc h R a tin g ju g a m e m b a n d in g k a n a p a y a n g te rja d i d i In -
y a n g m e n u n ju k k a n
p e rtu m b u h a n k re d it p e rb a n k a n s a a t in i
F itc h R a tin g s y a n g m e n ila i N P L
In d o n e s ia d a la m
tre n y a n g
d o n e s ia d e n g a n k o n d is i e k o n o m i
m a k ro in te rn a s io n a l. S a a t e k o -
h a n k a n s itu a s i k o n d u s if u n tu k
p e rtu rrib u h a n e k o n o m i n a s io n a l
a k a n m e n c ip ta k a n
N P L y a n g tin g g i.
a ra h p a d a
m e n in g k a t, A ld rin m e n g a k u i
tid a k s e p a k a t d e n g a n h a l te rs e -
n o m i d u n ia s a n g a t v o l a t i l e , k re d it d iIn d o n e s ia m a la h tu m b u h .
y a n g s e d a n g m e n g a la m i p e rc e p a ta n s a a t in i,
" P e rtu m b u h a n k re d it d i p e rb a n k a n n a s io n a l s a a t in i ra ta -ra -
A p a la g i p e rtu m b u h a n k re d it
.s e b e s a r 2 4 % - 2 5 % , d i n i l a i n y a
m a s ih m e ru p a k a n p e rtu m b u h a n y a n g a m a n . B ia s a n y a s e c a ra
te o re tis , jik a p e rtu m b u h a n k re d -
b u t. N a m u n k o n d is i itu b is a d ip a h a m in y a , k a re n a te rd a p a t
p e rb e d a a n m e to d e d a n s u d u t
p a n d a n g F itc h d a la m m e lih a t
NPL.
itn y a s u d a h m e n y e n tu h 2 6 % 2 7 % d in ila i m u la i m a s u k z o n a
" w a rn in g " . T e ta p i itu p u n tid a k
M e n u ru t A ld rin , s e tia p te rja d i
p e rtu m b u h a n k re d it p e rb a n k a n
d ip a s tik a n ris ik o N P L -n y a a k a n
B A N D U N G , ( P R ) .K e p u tu s a n R a p a t D e w a n G u b e rn u r
B ank
In d o n e s ia
y a n g m e n e ta p k a n
B I r a te
(B I)
te ta p
s e b e s a r 5 ,7 5 % , d i n i l a i a k a n
m e n d u k u n g tre n p e rtu m b u h a n
k re d it d i'd a la m n e g e ri, y a n g b e la k a n g a n te ru s m e n in g k a t, K o n d is i te rs e b u t
a k a n m e m p e rta -
ta 2 4 % -2 5 % ,In i p e rk e m b a n g a n
y a n g b a ik , J ik a k re d it p e rb a n k a n m e n in g k a t, s e k to r riil p a s ti
a k a n b e r t u m b u h ," u j a r p e n g a m a t p e rb a n k a n F a k u lta s E k o n o -
b e ra rti
m i U n p a d , A ld rin H e rw a n y ,
k e p a d a " P R " , S e n in (1 7 /9 ),
m e n in g k a t. " S a y a k ira s e m u a n y a m a s ih a m a n -a m a n " s a ja .
N P L -n y a
akan
m e n in g k a tju g a .
H a l itu m e ru -
p a k a n h a l lo g is . T e ta p i ris ik o
N P L tid a k s a m a d e n g a n N P L ,
-~ -~ ----~ -~ --
N PL yang
O le h k a re n a itu d in ila i k u ra n g
d a n h a ru s d iw a s p a d a i
m a s a la h N P L -n y a . P a d a h a l m e n u ru t s a y a k o n d is i s e b e n a rn y a
tid a k b e g itu . In d o n e s ia s e ja u h in i
I· w a j a r ,
b a i k - b a i k s a j a ," k a t a n y a
S o a l tin g k a t s u k u b u n g a p e rb a n k a n , A ld rin m e n ila i m a s ih
d a la m tin g k a t y a n g w a ja r.
b a n d in g k a n
dengan
m a rg in n y a d i k is a ra n
BI
mr a te
4 % -5 % ,
tid a k ja u h b e rb e d a d e n g a n n e g e ri te ta n g g a s e p e rti M a la y s ia .
" K a la u p u n s u k u b u n g a p e rb a n k a n M a la y s ia le b ih re n d a h ,
k a re n a a c u a n su k u b u n g a d a ri
b a n k s e n tra ln y a M a la y s ia m e m a n g le b ih re n d a h . T a p i s a y a
s a n g a t tid a k m e n y a ra n k a n , m e n u r u n k a n B I r a t e p a d a s a a t i n i ,"
k a ta n y a .
D ije la s k a n , d e n g a n v o la tilita s
e k o n o m i g lo b a l y a n g tin g g i
p e n u ru n a n B I r a te a k a n m e n in g k a tk a n te k a n a n te rh a d a p
tra n s a k s i b e rja la n . K a re n a d e n g a n p e n u ru n a n
suku bunga,
a k a n m e n u ru n k a n d a y a ta rik
b a g i m a ta u a n g a s in g m a s u k In d o n e s ia . A rtin y a k e m a m p u a n
m e m b a y a r In d o n e s ia (d a la m
m a ta
uang
a s in g ) m e n ja d i
m e n u ru n . (A -1 3 5 )* * *
K llp ln g
H um as
U npad
2012
o
.S e la s a
4
5
6
20
21
3
19
O P eb
o
M a r
O Apr
0
Ra bu
7
8
22
24
o
11
12
25
O Jul
" B I R a te "
--
Jum a t
10
O Jun
,
0
K a m is
9
23
O M ei
R akyat
ZYXWVUTSRQPONMLKJIHGFEDCBA
DCBA
0
26
Ags
S a b tu
13
27
.S e p
28
O O kt
29
30
O N ov
5 ,7 5 0 / 0 '
----
D u k u n g Iu -e d it
"Non Performing Loan" Dinilai Masih Wajar
M e n y in g g u n g k e m u n g k in a n
n o n p e r fo r m i n q
p e n in g k a ta n
lo a n /N P L
(k re d it m a c e t) d e -
M a la h b is a d ik a ta k a n p e rtu rn b u h a n k re d it p e rb a n k a n y a n g
b e rla n g s u n g s a a t in i b e lu m o p ti-'
r e s i k o N P L t i d a k b e r a r t i 'N P L n y a n a ik , D a n s e ja u h in i d i p e rb a n k a n n a s io n a l, b e lu m a d a in -
n g a n tin g k a t p e rtu m b u h a n k re d it te rs e b u t, A ld rin m e n g a ta k a n
m a l , m a s i h b i s a d i t i n g k a t k a n ,"
k a ta n y a ,
d ik a s i p e n in g k a ta n
m em bahayakan.
s e ja u h in i b e lu m a d a in d ik a s i k e
a ra h Itu . B e lu m a d a s in y a l-s in y a l
T e rk a it rilis te rb a ru L e m b a g a
P e m e rin g k a t
In te rn a s io n a l,
" F itc h R a tin g ju g a m e m b a n d in g k a n a p a y a n g te rja d i d i In -
y a n g m e n u n ju k k a n
p e rtu m b u h a n k re d it p e rb a n k a n s a a t in i
F itc h R a tin g s y a n g m e n ila i N P L
In d o n e s ia d a la m
tre n y a n g
d o n e s ia d e n g a n k o n d is i e k o n o m i
m a k ro in te rn a s io n a l. S a a t e k o -
h a n k a n s itu a s i k o n d u s if u n tu k
p e rtu rrib u h a n e k o n o m i n a s io n a l
a k a n m e n c ip ta k a n
N P L y a n g tin g g i.
a ra h p a d a
m e n in g k a t, A ld rin m e n g a k u i
tid a k s e p a k a t d e n g a n h a l te rs e -
n o m i d u n ia s a n g a t v o l a t i l e , k re d it d iIn d o n e s ia m a la h tu m b u h .
y a n g s e d a n g m e n g a la m i p e rc e p a ta n s a a t in i,
" P e rtu m b u h a n k re d it d i p e rb a n k a n n a s io n a l s a a t in i ra ta -ra -
A p a la g i p e rtu m b u h a n k re d it
.s e b e s a r 2 4 % - 2 5 % , d i n i l a i n y a
m a s ih m e ru p a k a n p e rtu m b u h a n y a n g a m a n . B ia s a n y a s e c a ra
te o re tis , jik a p e rtu m b u h a n k re d -
b u t. N a m u n k o n d is i itu b is a d ip a h a m in y a , k a re n a te rd a p a t
p e rb e d a a n m e to d e d a n s u d u t
p a n d a n g F itc h d a la m m e lih a t
NPL.
itn y a s u d a h m e n y e n tu h 2 6 % 2 7 % d in ila i m u la i m a s u k z o n a
" w a rn in g " . T e ta p i itu p u n tid a k
M e n u ru t A ld rin , s e tia p te rja d i
p e rtu m b u h a n k re d it p e rb a n k a n
d ip a s tik a n ris ik o N P L -n y a a k a n
B A N D U N G , ( P R ) .K e p u tu s a n R a p a t D e w a n G u b e rn u r
B ank
In d o n e s ia
y a n g m e n e ta p k a n
B I r a te
(B I)
te ta p
s e b e s a r 5 ,7 5 % , d i n i l a i a k a n
m e n d u k u n g tre n p e rtu m b u h a n
k re d it d i'd a la m n e g e ri, y a n g b e la k a n g a n te ru s m e n in g k a t, K o n d is i te rs e b u t
a k a n m e m p e rta -
ta 2 4 % -2 5 % ,In i p e rk e m b a n g a n
y a n g b a ik , J ik a k re d it p e rb a n k a n m e n in g k a t, s e k to r riil p a s ti
a k a n b e r t u m b u h ," u j a r p e n g a m a t p e rb a n k a n F a k u lta s E k o n o -
b e ra rti
m i U n p a d , A ld rin H e rw a n y ,
k e p a d a " P R " , S e n in (1 7 /9 ),
m e n in g k a t. " S a y a k ira s e m u a n y a m a s ih a m a n -a m a n " s a ja .
N P L -n y a
akan
m e n in g k a tju g a .
H a l itu m e ru -
p a k a n h a l lo g is . T e ta p i ris ik o
N P L tid a k s a m a d e n g a n N P L ,
-~ -~ ----~ -~ --
N PL yang
O le h k a re n a itu d in ila i k u ra n g
d a n h a ru s d iw a s p a d a i
m a s a la h N P L -n y a . P a d a h a l m e n u ru t s a y a k o n d is i s e b e n a rn y a
tid a k b e g itu . In d o n e s ia s e ja u h in i
I· w a j a r ,
b a i k - b a i k s a j a ," k a t a n y a
S o a l tin g k a t s u k u b u n g a p e rb a n k a n , A ld rin m e n ila i m a s ih
d a la m tin g k a t y a n g w a ja r.
b a n d in g k a n
dengan
m a rg in n y a d i k is a ra n
BI
mr a te
4 % -5 % ,
tid a k ja u h b e rb e d a d e n g a n n e g e ri te ta n g g a s e p e rti M a la y s ia .
" K a la u p u n s u k u b u n g a p e rb a n k a n M a la y s ia le b ih re n d a h ,
k a re n a a c u a n su k u b u n g a d a ri
b a n k s e n tra ln y a M a la y s ia m e m a n g le b ih re n d a h . T a p i s a y a
s a n g a t tid a k m e n y a ra n k a n , m e n u r u n k a n B I r a t e p a d a s a a t i n i ,"
k a ta n y a .
D ije la s k a n , d e n g a n v o la tilita s
e k o n o m i g lo b a l y a n g tin g g i
p e n u ru n a n B I r a te a k a n m e n in g k a tk a n te k a n a n te rh a d a p
tra n s a k s i b e rja la n . K a re n a d e n g a n p e n u ru n a n
suku bunga,
a k a n m e n u ru n k a n d a y a ta rik
b a g i m a ta u a n g a s in g m a s u k In d o n e s ia . A rtin y a k e m a m p u a n
m e m b a y a r In d o n e s ia (d a la m
m a ta
uang
a s in g ) m e n ja d i
m e n u ru n . (A -1 3 5 )* * *
K llp ln g
H um as
U npad
2012