{"id":6621,"date":"2025-10-13T06:36:31","date_gmt":"2025-10-12T23:36:31","guid":{"rendered":"https:\/\/regular-investor.com\/?p=6621"},"modified":"2025-10-13T06:36:34","modified_gmt":"2025-10-12T23:36:34","slug":"utang-bnpl-perbankan-tembus-rp2433-triliun-tumbuh-3235-di-tengah-kenaikan-kredit-nasional","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2025\/10\/13\/utang-bnpl-perbankan-tembus-rp2433-triliun-tumbuh-3235-di-tengah-kenaikan-kredit-nasional\/","title":{"rendered":"Utang BNPL Perbankan Tembus Rp24,33 Triliun, Tumbuh 32,35% di Tengah Kenaikan Kredit Nasional"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">Utang BNPL Perbankan Naik 32,35% yoy, Capai Rp24,33 Triliun<\/h3>\n\n\n\n<p><strong>Otoritas Jasa Keuangan (OJK)<\/strong> melaporkan bahwa utang masyarakat Indonesia melalui skema <strong>Buy Now Pay Later (BNPL)<\/strong> atau <strong>paylater perbankan<\/strong> mencapai <strong>Rp24,33 triliun<\/strong> per <strong>Agustus 2025<\/strong>, mencatat <strong>pertumbuhan tahunan (year-on-year\/yoy) sebesar 32,35%<\/strong>.<\/p>\n\n\n\n<p>Kepala Eksekutif Pengawas Perbankan OJK, <strong>Dian Ediana Rae<\/strong>, menyampaikan bahwa meskipun <strong>porsi kredit BNPL perbankan hanya 0,30% dari total kredit nasional<\/strong>, pertumbuhannya tergolong <strong>sangat tinggi dan konsisten<\/strong>.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cPer Juli 2025, baki debet kredit BNPL sebagaimana dilaporkan dalam SLIK, tumbuh 32,35 persen yoy menjadi Rp24,33 triliun,\u201d ujar Dian dalam <strong>Konferensi Pers RDK<\/strong>, Jumat (10\/10\/2025).<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Jumlah Pengguna Paylater Perbankan Capai 29,33 Juta<\/h3>\n\n\n\n<p>OJK juga mencatat bahwa jumlah <strong>rekening paylater perbankan<\/strong> terus meningkat, mencapai <strong>29,33 juta pengguna<\/strong> pada Agustus 2025, naik dari <strong>28,35 juta pengguna<\/strong> di bulan sebelumnya. Lonjakan ini menunjukkan <strong>tingginya adopsi layanan BNPL di sektor perbankan<\/strong>, terutama di kalangan konsumen digital dan generasi muda.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Kredit Perbankan Nasional Tumbuh 7,56% yoy<\/h3>\n\n\n\n<p>Selain BNPL, OJK juga mencatat bahwa <strong>total kredit perbankan nasional<\/strong> tumbuh <strong>7,56% yoy<\/strong> pada Agustus 2025, mencapai <strong>Rp8.075 triliun<\/strong>. Angka ini lebih tinggi dibandingkan pertumbuhan bulan Juli yang tercatat <strong>7,03% yoy<\/strong>.<\/p>\n\n\n\n<p>Pertumbuhan kredit didorong oleh beberapa segmen utama:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Berdasarkan Jenis Penggunaan:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kredit investasi<\/strong>: tumbuh <strong>13,86%<\/strong><\/li>\n\n\n\n<li><strong>Kredit konsumsi<\/strong>: tumbuh <strong>7,89%<\/strong><\/li>\n\n\n\n<li><strong>Kredit modal kerja<\/strong>: tumbuh <strong>3,53%<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Berdasarkan Kategori Debitur:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kredit korporasi<\/strong>: tumbuh <strong>10,79%<\/strong><\/li>\n\n\n\n<li><strong>Kredit UMKM<\/strong>: tumbuh <strong>1,35%<\/strong><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Outlook: BNPL Perbankan Jadi Segmen Potensial di Tengah Pemulihan Kredit<\/h3>\n\n\n\n<p>Meskipun kontribusi BNPL terhadap total kredit nasional masih kecil, <strong>pertumbuhan dua digit<\/strong> menunjukkan bahwa segmen ini memiliki <strong>potensi besar<\/strong> untuk berkembang sebagai bagian dari <strong>digitalisasi layanan keuangan<\/strong>.<\/p>\n\n\n\n<p>Dengan pertumbuhan kredit perbankan yang stabil dan adopsi BNPL yang meningkat, OJK terus mendorong:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Prinsip kehati-hatian (prudential banking)<\/strong><\/li>\n\n\n\n<li><strong>Pengawasan intensif terhadap risiko kredit<\/strong><\/li>\n\n\n\n<li><strong>Inovasi layanan keuangan yang inklusif dan berkelanjutan<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Utang BNPL Perbankan Naik 32,35% yoy, Capai Rp24,33 Triliun Otoritas Jasa Keuangan (OJK) melaporkan bahwa utang masyarakat Indonesia melalui skema Buy Now Pay Later (BNPL) atau paylater perbankan mencapai Rp24,33 triliun per Agustus 2025, mencatat pertumbuhan tahunan (year-on-year\/yoy) sebesar 32,35%. Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae, menyampaikan bahwa meskipun porsi kredit BNPL perbankan [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4560,"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":[3477,3478,4643],"class_list":["post-6621","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial","tag-bnpl","tag-paylater","tag-pengguna-paylater"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Utang BNPL Perbankan Tembus Rp24,33 Triliun, Tumbuh 32,35% di Tengah Kenaikan Kredit Nasional - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"OJK mencatat utang BNPL perbankan Indonesia mencapai Rp24,33 triliun per Agustus 2025, tumbuh 32,35% yoy. 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