{"id":6913,"date":"2026-04-17T18:20:45","date_gmt":"2026-04-17T11:20:45","guid":{"rendered":"https:\/\/regular-investor.com\/?p=6913"},"modified":"2026-04-17T18:20:49","modified_gmt":"2026-04-17T11:20:49","slug":"ojk-hapus-catatan-kredit-di-bawah-rp1-juta-dari-slik-dorong-program-3-juta-rumah","status":"publish","type":"post","link":"https:\/\/regular-investor.com\/index.php\/2026\/04\/17\/ojk-hapus-catatan-kredit-di-bawah-rp1-juta-dari-slik-dorong-program-3-juta-rumah\/","title":{"rendered":"OJK Hapus Catatan Kredit di Bawah Rp1 Juta dari SLIK, Dorong Program 3 Juta Rumah"},"content":{"rendered":"\n

Kebijakan Baru OJK di SLIK<\/strong><\/h2>\n\n\n\n

Otoritas Jasa Keuangan (OJK<\/strong>) menetapkan kebijakan untuk tidak menampilkan informasi kredit dengan nominal di bawah Rp1 juta<\/strong> pada Sistem Layanan Informasi Keuangan (SLIK)<\/strong>. Langkah ini diambil guna mendukung percepatan Program 3 Juta Rumah<\/strong> yang menjadi prioritas pemerintah.<\/p>\n\n\n\n

Ekonom Global Markets Maybank Indonesia, Myrdal Gunarto<\/strong>, menilai kebijakan ini sebagai upaya menghilangkan gangguan administratif yang tidak proporsional. Utang kecil dari e-commerce atau skema Buy Now Pay Later (BNPL)<\/strong> sebelumnya bisa membuat masyarakat gagal memperoleh Kredit Kepemilikan Rumah (KPR) subsidi<\/strong> bernilai ratusan juta rupiah.<\/p>\n\n\n\n

Tujuan dan Dampak Kebijakan<\/strong><\/h2>\n\n\n\n

Menurut Myrdal, kebijakan ini bukan berarti menghapus kewajiban pelunasan utang, melainkan hanya membersihkan noise<\/strong> dalam sistem informasi. Bank tetap dapat menilai nasabah melalui:<\/p>\n\n\n\n

    \n
  • Data internal<\/strong>.<\/li>\n\n\n\n
  • Credit scoring<\/strong>.<\/li>\n\n\n\n
  • Verifikasi langsung<\/strong>.<\/li>\n<\/ul>\n\n\n\n

    Selain itu, OJK mempercepat pembaruan status pelunasan menjadi maksimal 3 hari kerja<\/strong>, sehingga data tetap akurat dan terkini.<\/p>\n\n\n\n

    \n

    \u201cSaya melihat kebijakan ini sebagai keseimbangan yang tepat antara inklusi keuangan dan prudensi. Kebijakan ini merupakan penyesuaian regulasi yang proporsional untuk mendukung ekspansi ekonomi tanpa mengorbankan prudential banking,\u201d ujar Myrdal (17\/4\/2026).<\/p>\n<\/blockquote>\n\n\n\n

    Peran Bank dan Prinsip 5C<\/strong><\/h2>\n\n\n\n

    Myrdal menegaskan bahwa SLIK hanyalah sistem informasi, bukan alat persetujuan kredit. Bank tetap wajib melakukan analisis kredit penuh berdasarkan prinsip 5C<\/strong>:<\/p>\n\n\n\n

      \n
    • Character<\/li>\n\n\n\n
    • Capacity<\/li>\n\n\n\n
    • Capital<\/li>\n\n\n\n
    • Collateral<\/li>\n\n\n\n
    • Condition<\/li>\n<\/ul>\n\n\n\n

      Dengan demikian, bank tetap memiliki ruang penuh untuk menolak nasabah yang berisiko, misalnya nasabah dengan banyak tunggakan kecil yang tidak pernah dilunasi.<\/p>\n\n\n\n

      Dukungan Stakeholder dan Implementasi<\/strong><\/h2>\n\n\n\n

      Kebijakan ini lahir dari diskusi OJK dengan berbagai pemangku kepentingan, termasuk:<\/p>\n\n\n\n

        \n
      • Kementerian Perumahan dan Kawasan Permukiman (PKP)<\/strong>.<\/li>\n\n\n\n
      • BP Tapera<\/strong>.<\/li>\n\n\n\n
      • Pengembang rumah subsidi<\/strong>.<\/li>\n<\/ul>\n\n\n\n

        Selain menghapus catatan kredit di bawah Rp1 juta, OJK juga mempercepat konfirmasi tanda pelunasan utang pada H+3<\/strong>. BP Tapera akan mendapat akses data SLIK untuk mempercepat proses pemberian fasilitas perumahan rakyat.<\/p>\n\n\n\n

        OJK memastikan aturan ini berlaku paling lambat akhir Juni 2026<\/strong>.<\/p>\n\n\n\n

        \n

        \u201cOJK akan terus mendukung dan mendorong berbagai langkah untuk mempercepat pencapaian program 3 juta rumah tersebut,\u201d tegas Ketua Dewan Komisioner OJK, Friderica Widyasari Dewi<\/strong>.<\/p>\n<\/blockquote>\n\n\n\n

        Kesimpulan<\/strong><\/h2>\n\n\n\n

        Kebijakan OJK menghapus catatan kredit kecil di bawah Rp1 juta dari SLIK menjadi langkah strategis untuk memperluas akses KPR subsidi bagi masyarakat berpenghasilan rendah. Dengan tetap menjaga prinsip kehati-hatian perbankan, kebijakan ini diharapkan mempercepat realisasi Program 3 Juta Rumah sekaligus mendorong inklusi keuangan nasional.<\/p>\n","protected":false},"excerpt":{"rendered":"

        Kebijakan Baru OJK di SLIK Otoritas Jasa Keuangan (OJK) menetapkan kebijakan untuk tidak menampilkan informasi kredit dengan nominal di bawah Rp1 juta pada Sistem Layanan Informasi Keuangan (SLIK). Langkah ini diambil guna mendukung percepatan Program 3 Juta Rumah yang menjadi prioritas pemerintah. Ekonom Global Markets Maybank Indonesia, Myrdal Gunarto, menilai kebijakan ini sebagai upaya menghilangkan […]<\/p>\n","protected":false},"author":3,"featured_media":3148,"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":[3477,4846,76,4845],"class_list":["post-6913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial","tag-bnpl","tag-kredit-kpr","tag-ojk","tag-slik-ojk"],"yoast_head":"\nOJK Hapus Catatan Kredit di Bawah Rp1 Juta dari SLIK, Dorong Program 3 Juta Rumah - Regular-investor.com<\/title>\n<meta name=\"description\" content=\"OJK akan menghapus informasi kredit di bawah Rp1 juta dari SLIK untuk mendukung Program 3 Juta Rumah. 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