{"id":6596,"date":"2025-10-09T19:14:15","date_gmt":"2025-10-09T12:14:15","guid":{"rendered":"https:\/\/regular-investor.com\/?p=6596"},"modified":"2025-10-09T19:14:19","modified_gmt":"2025-10-09T12:14:19","slug":"suku-bunga-perbankan-turun-kredit-dan-dpk-tumbuh-positif-di-agustus-2025","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/10\/09\/suku-bunga-perbankan-turun-kredit-dan-dpk-tumbuh-positif-di-agustus-2025\/","title":{"rendered":"Suku Bunga Perbankan Turun, Kredit dan DPK Tumbuh Positif di Agustus 2025"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">OJK: Suku Bunga Perbankan Mulai Turun Seiring Penurunan BI Rate<\/h3>\n\n\n\n<p><strong>Otoritas Jasa Keuangan (OJK)<\/strong> menyampaikan bahwa <strong>suku bunga perbankan di Indonesia mulai mengalami penurunan<\/strong>, seiring dengan langkah <strong>Bank Indonesia (BI)<\/strong> yang telah <strong>memangkas suku bunga acuan (BI Rate) sebanyak lima kali sepanjang 2025<\/strong>, hingga mencapai <strong>level 5 persen<\/strong>.<\/p>\n\n\n\n<p>Kepala Eksekutif Pengawas Perbankan OJK, <strong>Dian Ediana Rae<\/strong>, menjelaskan bahwa penurunan BI Rate telah berdampak langsung pada <strong>penurunan rata-rata suku bunga kredit dalam rupiah<\/strong>, khususnya pada beberapa jenis kredit utama.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Penurunan Suku Bunga Kredit dan Deposito<\/h3>\n\n\n\n<p>Dian merinci bahwa secara tahunan (<strong>year on year\/yoy<\/strong>):<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Suku bunga kredit investasi<\/strong> turun sebesar <strong>44 basis poin (bps)<\/strong><\/li>\n\n\n\n<li><strong>Suku bunga kredit modal kerja<\/strong> turun sebesar <strong>31 bps<\/strong><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cPenurunan BI rate juga diikuti oleh penurunan suku bunga perbankan. Dibandingkan tahun sebelumnya, rata-rata suku bunga kredit rupiah tercatat turun 44 basis poin untuk kredit investasi dan turun 31 basis poin untuk kredit modal kerja,\u201d ujar Dian dalam <strong>Konferensi Pers RDK<\/strong>, Kamis (9\/10\/2025).<\/p>\n<\/blockquote>\n\n\n\n<p>Dari sisi <strong>penempatan dana<\/strong>, <strong>suku bunga deposito<\/strong> juga terpantau <strong>menurun dibandingkan bulan sebelumnya<\/strong>, yakni <strong>Juli 2025<\/strong>, menunjukkan tren pelonggaran moneter yang konsisten.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kredit Perbankan Tumbuh 7,56% yoy di Agustus 2025<\/h3>\n\n\n\n<p>OJK mencatat bahwa <strong>kredit perbankan mulai menunjukkan peningkatan<\/strong> pada <strong>Agustus 2025<\/strong>, dengan pertumbuhan sebesar <strong>7,56% yoy<\/strong>, atau mencapai <strong>Rp8.075 triliun<\/strong>. Angka ini lebih tinggi dibandingkan <strong>Juli 2025<\/strong> yang hanya tumbuh <strong>7,03% yoy<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dana Pihak Ketiga (DPK) Naik 8,51% yoy<\/h3>\n\n\n\n<p>Selain kredit, <strong>Dana Pihak Ketiga (DPK)<\/strong> juga mencatat pertumbuhan positif:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Agustus 2025<\/strong>: tumbuh <strong>8,51% yoy<\/strong> menjadi <strong>Rp9.385,8 triliun<\/strong><\/li>\n\n\n\n<li><strong>Juli 2025<\/strong>: tumbuh <strong>7% yoy<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Pertumbuhan DPK yang lebih tinggi menunjukkan <strong>kepercayaan masyarakat terhadap sektor perbankan<\/strong> tetap kuat, meskipun terjadi penurunan suku bunga deposito.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Outlook: Momentum Pemulihan Kredit dan Likuiditas<\/h3>\n\n\n\n<p>Penurunan suku bunga perbankan yang sejalan dengan pelonggaran BI Rate memberikan <strong>stimulus positif bagi sektor kredit dan likuiditas perbankan<\/strong>. Dengan tren pertumbuhan kredit dan DPK yang menguat, perbankan Indonesia diproyeksikan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Meningkatkan penyaluran kredit produktif<\/strong><\/li>\n\n\n\n<li><strong>Memperkuat daya saing bunga pinjaman<\/strong><\/li>\n\n\n\n<li><strong>Menjaga stabilitas sistem keuangan nasional<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>OJK: Suku Bunga Perbankan Mulai Turun Seiring Penurunan BI Rate Otoritas Jasa Keuangan (OJK) menyampaikan bahwa suku bunga perbankan di Indonesia mulai mengalami penurunan, seiring dengan langkah Bank Indonesia (BI) yang telah memangkas suku bunga acuan (BI Rate) sebanyak lima kali sepanjang 2025, hingga mencapai level 5 persen. Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3137,"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":[57,2811,76,1126],"class_list":["post-6596","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial","tag-bank-indonesia","tag-bi-rate","tag-ojk","tag-suku-bunga"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Suku Bunga Perbankan Turun, Kredit dan DPK Tumbuh Positif di Agustus 2025 - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"OJK mencatat penurunan suku bunga kredit dan deposito perbankan seiring pemangkasan BI Rate menjadi 5% sepanjang 2025. 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