{"id":4140,"date":"2025-01-01T15:23:57","date_gmt":"2025-01-01T15:23:57","guid":{"rendered":"https:\/\/regular-investor.com\/?p=4140"},"modified":"2025-01-01T15:24:00","modified_gmt":"2025-01-01T15:24:00","slug":"ojk-rumuskan-regulasi-baru-untuk-skema-buy-now-pay-later-bnpl-perusahaan-pembiayaan","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/01\/01\/ojk-rumuskan-regulasi-baru-untuk-skema-buy-now-pay-later-bnpl-perusahaan-pembiayaan\/","title":{"rendered":"OJK Rumuskan Regulasi Baru untuk Skema Buy Now Pay Later (BNPL) Perusahaan Pembiayaan"},"content":{"rendered":"\n<p><strong>Jakarta &#8211; <\/strong>Otoritas Jasa Keuangan (OJK) saat ini sedang merumuskan regulasi mengenai skema Buy Now Pay Later untuk Perusahaan Pembiayaan (PP BNPL). Langkah ini diambil untuk memperkuat perlindungan konsumen dan masyarakat.<\/p>\n\n\n\n<p>Selain itu, regulasi ini juga bertujuan untuk mencegah kemungkinan terjadinya jebakan utang bagi pengguna PP BNPL yang kurang memiliki pemahaman tentang literasi keuangan dalam memanfaatkan produk dan layanan keuangan, serta untuk mendukung pengembangan dan penguatan sektor Perusahaan Pembiayaan.<\/p>\n\n\n\n<p>Pelaksana Tugas Kepala Departemen Literasi, Inklusi Keuangan, dan Komunikasi OJK, M Ismail Riyadi, menjelaskan bahwa pembiayaan pay later hanya akan diberikan kepada nasabah atau debitur yang berusia minimal 18 tahun atau telah menikah, serta memiliki pendapatan minimum sebesar Rp3 juta per bulan.<\/p>\n\n\n\n<p>\u201cPersyaratan yang harus dipenuhi oleh nasabah\/debitur tersebut akan mulai berlaku untuk akuisisi nasabah\/debitur baru dan\/atau perpanjangan pembiayaan PP BNPL, paling lambat pada tanggal 1 Januari 2027,\u201d ungkap Ismail dalam pernyataan resmi yang dirilis pada Rabu (1\/1\/2025).<\/p>\n\n\n\n<p>Perusahaan pembiayaan yang melaksanakan program BNPL diwajibkan untuk memberikan pemberitahuan kepada nasabah atau debitur tentang pentingnya kehati-hatian dalam penggunaan BNPL, termasuk pencatatan transaksi debitur dalam Sistem Layanan Informasi Keuangan (SLIK).<\/p>\n\n\n\n<p>Ismail menyatakan, &#8220;OJK berhak untuk meninjau kembali regulasi tersebut dengan mempertimbangkan berbagai faktor, seperti kondisi ekonomi, stabilitas sistem keuangan, dan perkembangan industri PP BNPL.&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jakarta &#8211; Otoritas Jasa Keuangan (OJK) saat ini sedang merumuskan regulasi mengenai skema Buy Now Pay Later untuk Perusahaan Pembiayaan (PP BNPL). Langkah ini diambil untuk memperkuat perlindungan konsumen dan masyarakat. Selain itu, regulasi ini juga bertujuan untuk mencegah kemungkinan terjadinya jebakan utang bagi pengguna PP BNPL yang kurang memiliki pemahaman tentang literasi keuangan dalam [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3991,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[7],"tags":[3477,76,3478],"class_list":["post-4140","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economics","tag-bnpl","tag-ojk","tag-paylater"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>OJK Rumuskan Regulasi Baru untuk Skema Buy Now Pay Later (BNPL) Perusahaan Pembiayaan - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"Otoritas Jasa Keuangan (OJK) sedang merumuskan regulasi baru mengenai skema Buy Now Pay Later (BNPL) untuk Perusahaan Pembiayaan. 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