Walai.id, Jakarta – Otoritas Jasa Keuangan (OJK) mengumumkan bahwa industri perbankan telah mempersiapkan diri menghadapi berakhirnya kebijakan stimulus restrukturisasi kredit perbankan terkait dampak Covid-19 pada 31 Maret 2024.
Kebijakan ini sejalan dengan pencabutan status pandemi Covid-19 oleh Pemerintah pada Juni 2023 dan pemulihan ekonomi yang terjadi, termasuk dalam sektor riil.
Restrukturisasi kredit yang diterapkan sejak awal 2020 telah memberikan manfaat besar, khususnya bagi debitur UMKM.
Stimulus restrukturisasi kredit menjadi bagian penting dari kebijakan countercyclical yang mendukung kinerja debitur, perbankan, dan perekonomian secara keseluruhan selama masa pandemi.
Menurut OJK, kondisi perbankan Indonesia saat ini menunjukkan kekuatan yang tangguh dalam menghadapi dinamika perekonomian, didukung oleh permodalan yang kuat, likuiditas yang cukup, dan manajemen risiko yang baik.
Ketua Dewan Komisioner OJK, Mahendra Siregar, menyoroti pemulihan ekonomi yang terus berlanjut, tingkat inflasi yang terkendali, dan pertumbuhan investasi.
“Indikator-indikator perbankan pada Januari 2024 menunjukkan kondisi yang baik, dengan rasio kecukupan modal (CAR) mencapai 27,54 persen, tingkat likuiditas yang tinggi, dan kualitas kredit yang terjaga di bawah batas 5 persen”, kata Mahendra.
OJK berharap bahwa kondisi perbankan yang solid ini akan menjadi bantalan yang kuat di tengah ketidakpastian ekonomi global.
“Meskipun stimulus restrukturisasi kredit berakhir, perbankan siap untuk terus mendukung pertumbuhan ekonomi dan memberikan layanan yang berkualitas kepada masyarakat”, Tutupnya.
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