{"id":6477,"date":"2025-08-31T06:33:51","date_gmt":"2025-08-30T23:33:51","guid":{"rendered":"https:\/\/regular-investor.com\/?p=6477"},"modified":"2025-08-31T06:33:54","modified_gmt":"2025-08-30T23:33:54","slug":"merger-dan-akuisisi-dinilai-solusi-strategis-bagi-fintech-p2p-lending-penuhi-ekuitas-minimum","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/08\/31\/merger-dan-akuisisi-dinilai-solusi-strategis-bagi-fintech-p2p-lending-penuhi-ekuitas-minimum\/","title":{"rendered":"Merger dan Akuisisi Dinilai Solusi Strategis bagi Fintech P2P Lending Penuhi Ekuitas Minimum"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Merger dan Akuisisi Jadi Opsi Strategis Fintech P2P Lending<\/h3>\n\n\n\n<p>Di tengah tantangan pemenuhan <strong>ketentuan ekuitas minimum Rp12,5 miliar<\/strong>, <strong>Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI)<\/strong> menilai bahwa <strong>penggabungan usaha melalui merger atau akuisisi<\/strong> dapat menjadi solusi strategis bagi pelaku industri <strong>fintech peer-to-peer (P2P) lending<\/strong>.<\/p>\n\n\n\n<p>Ketua Bidang Hubungan Masyarakat AFPI, <strong>Kuseryansyah<\/strong>, menyatakan bahwa aksi konsolidasi bisa dilakukan <strong>asalkan terdapat kesesuaian model bisnis dan produk antar-platform<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cKalau antara dua platform itu ada ke-matchingan atau saling melengkapi bisnis modal produknya, itu mungkin saja dilakukan,\u201d ujar Kuseryansyah, Kamis (28\/8\/2025).<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Tantangan Merger: Visi Founder dan Keberlanjutan Usaha<\/h3>\n\n\n\n<p>Meski mendukung konsolidasi, Kuseryansyah juga menyoroti <strong>tantangan utama dalam merger dan akuisisi<\/strong>, yakni <strong>kesesuaian visi antar-founder<\/strong>. Namun, ia tetap mendorong langkah ini sebagai <strong>opsi keberlanjutan usaha<\/strong>, terutama bagi platform yang kesulitan memenuhi persyaratan modal.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sandiaga Uno: Konsolidasi Perkuat Industri Fintech<\/h3>\n\n\n\n<p>Sebelumnya, pendiri PT Saratoga Investama Sedaya dan eks-Menteri Pariwisata dan Ekonomi Kreatif, <strong>Sandiaga Uno<\/strong>, juga menyuarakan pentingnya merger dalam memperkuat industri fintech.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cHarus ada merger, harus terbuka. Entrepreneur fintech harus menghilangkan ego dan melihat potensi konsolidasi,\u201d kata Sandiaga dalam Asia Grassroots Forum, Nusa Dua, Bali (22\/5\/2025).<\/p>\n<\/blockquote>\n\n\n\n<p>Menurutnya, konsolidasi tidak akan mengurangi persaingan, justru akan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Meningkatkan kualitas layanan<\/strong><\/li>\n\n\n\n<li><strong>Memperluas akses pembiayaan<\/strong><\/li>\n\n\n\n<li><strong>Membuat harga layanan lebih kompetitif<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Data OJK: 11 Penyelenggara Belum Penuhi Ekuitas Minimum<\/h3>\n\n\n\n<p>Berdasarkan data <strong>Otoritas Jasa Keuangan (OJK) per Juli 2025<\/strong>, terdapat <strong>11 dari 96 penyelenggara pinjaman online (pinjol)<\/strong> yang belum memenuhi <strong>ketentuan ekuitas minimum Rp12,5 miliar<\/strong>.<\/p>\n\n\n\n<p>Kepala Eksekutif Pengawas PVML OJK, <strong>Agusman<\/strong>, menyebut bahwa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5 dari 11 penyelenggara<\/strong> sedang dalam proses analisis peningkatan modal<\/li>\n\n\n\n<li>Langkah pemenuhan ekuitas bisa melalui:\n<ul class=\"wp-block-list\">\n<li><strong>Injeksi modal dari pemegang saham<\/strong><\/li>\n\n\n\n<li><strong>Strategic investor lokal atau asing<\/strong><\/li>\n\n\n\n<li><strong>Pengembalian izin usaha jika tidak terpenuhi<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Konsolidasi Jadi Jalan Tengah Hadapi Tekanan Modal<\/h3>\n\n\n\n<p>Dengan tekanan pendanaan dan regulasi yang semakin ketat, merger dan akuisisi menjadi <strong>jalan tengah yang realistis<\/strong> bagi platform fintech untuk bertahan dan berkembang. Selain memenuhi regulasi, konsolidasi juga membuka peluang kolaborasi yang lebih sehat dan berkelanjutan.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Merger dan Akuisisi Jadi Opsi Strategis Fintech P2P Lending Di tengah tantangan pemenuhan ketentuan ekuitas minimum Rp12,5 miliar, Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) menilai bahwa penggabungan usaha melalui merger atau akuisisi dapat menjadi solusi strategis bagi pelaku industri fintech peer-to-peer (P2P) lending. Ketua Bidang Hubungan Masyarakat AFPI, Kuseryansyah, menyatakan bahwa aksi konsolidasi bisa dilakukan [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":5305,"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":[290],"tags":[4541,2318,1430,4542],"class_list":["post-6477","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial","tag-afpi","tag-akuisisi","tag-fintech","tag-ketentuan-ekuitas-minimum"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Merger dan Akuisisi Dinilai Solusi Strategis bagi Fintech P2P Lending Penuhi Ekuitas Minimum - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"AFPI menilai merger dan akuisisi bisa menjadi solusi bagi fintech P2P lending yang belum memenuhi ekuitas minimum Rp12,5 miliar. 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