Walai.id, Nasional – Hasil Survei Perbankan Bank Indonesia menunjukkan bahwa penyaluran kredit baru pada triwulan II 2023 mengalami peningkatan, kamis 20/07/2023.
Saldo Bersih Tertimbang (SBT) penyaluran kredit baru mencapai 94,0%, mencerminkan pertumbuhan yang positif.
Penyaluran kredit baru ini terjadi hampir di semua jenis kredit, namun Kredit Investasi mengalami sedikit penurunan dibandingkan dengan triwulan sebelumnya.
Prospek penyaluran kredit baru pada triwulan III 2023 diperkirakan akan tetap tumbuh positif dengan SBT yang diantisipasi sebesar 86,3%.
Meskipun penyaluran kredit baru mengalami pertumbuhan, standar penyaluran kredit pada triwulan III 2023 diperkirakan akan lebih ketat dibandingkan dengan periode sebelumnya.
Indeks Lending Standard (ILS) menunjukkan nilai positif sebesar 0,1%, menandakan kebijakan penyaluran kredit yang lebih ketat, termasuk dalam hal suku bunga kredit dan premi kredit berisiko.
Meski standar penyaluran kredit diperketat, hasil survei menunjukkan bahwa para responden tetap optimis terhadap pertumbuhan kredit ke depan.
Responden memperkirakan pertumbuhan kredit keseluruhan pada tahun 2023 sebesar 10,9% (year-on-year), yang masih menunjukkan pertumbuhan positif, meskipun tidak sebesar realisasi pertumbuhan kredit pada tahun 2022 yang mencapai 11,4% (year-on-year).
Optimisme para responden ini didorong oleh prospek kondisi moneter dan ekonomi yang lebih baik ke depan, serta relatif terjaganya risiko penyaluran kredit, terang Erwin Haryono Direktur Eksekutif Departemen Komunikasi Bank Indonesia, pada laman BI.
Itulah gambaran hasil survei perbankan Bank Indonesia tentang penyaluran kredit baru pada triwulan II 2023 dan proyeksi untuk triwulan III 2023, serta optimisme para responden terhadap pertumbuhan kredit ke depan. Kondisi ini menunjukkan potensi pertumbuhan ekonomi yang positif di masa mendatang.
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