Bank Indonesia (BI) pertumbuhan kredit bank pada April 2024 mencapai 13,09% secara tahunan. Angka ini merupakan pertumbuhan yang tertinggi dalam 5 tahun terakhir.
Pertumbuhan tersebut didorong oleh faktor permintaan serta gairah perbankan dalam menyalurkan kredit.
Guna menjaga target pertumbuhan kredit di akhir tahun ini sebesar 10%-12%, Bank Indonesia menerapkan Kebijakan Insentif Likuiditas Makroprudensial (KILM). Penerapan KLM dilakukan melalui pengurangan giro bank di Bank Indonesia untuk memenuhi Giro Wajib Minimum (GWM).
Per 1 Juni 2024, Bank Indonesia menerapkan Kebijakan Insentif Likuiditas Makroprudensial. Deputi Gubernur Bank Indonesia Juda Agung mengatakan, kebijakan ini diterapkan untuk mendukung pertumbuhan ekonomi nasional yang diperkirakan akan mencapai di atas 5% pada 2024.
Pertumbuhan tersebut didorong oleh faktor permintaan serta gairah perbankan dalam menyalurkan kredit.
Guna menjaga target pertumbuhan kredit di akhir tahun ini sebesar 10%-12%, Bank Indonesia menerapkan Kebijakan Insentif Likuiditas Makroprudensial (KILM). Penerapan KLM dilakukan melalui pengurangan giro bank di Bank Indonesia untuk memenuhi Giro Wajib Minimum (GWM).
Per 1 Juni 2024, Bank Indonesia menerapkan Kebijakan Insentif Likuiditas Makroprudensial. Deputi Gubernur Bank Indonesia Juda Agung mengatakan, kebijakan ini diterapkan untuk mendukung pertumbuhan ekonomi nasional yang diperkirakan akan mencapai di atas 5% pada 2024.
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TVTranscript
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00:27 Bank Indonesia has implemented the policy of Macro Prudential Incentive Liquidity or KILM
00:32 to advance the credit and financing growth.
00:35 With this KILM, the national credit growth is targeted at 10-12% as of the end of this year.
00:42 The Deputy Governor of Bank Indonesia, Judha Gung, said that the implementation of KILM
00:47 is carried out by reducing the bank's interest rate in Bank Indonesia
00:50 in the minimum interest rate in the rupee that must be filled on average.
00:56 There is also a total incentive in KILM maximum of 4% or increased from the previous 2.8%
01:02 so that the obligation of the Bank's GWM that is diligent in promoting credit will decrease.
01:07 This policy encourages the optimism of Bank Indonesia in increasing the liquidity of the bank
01:11 to 81 trillion rupiah this June.
01:14 In addition, the incentive also targets the wider credit sector to promote bank credit.
01:20 In this June, the date of June 1, we have to strengthen this policy again
01:34 by increasing the sector.
01:39 Here, there is an increase in the sector.
01:46 In the past, the sector was only the mining sector, mining and non-mining,
01:52 and tourism, but now there is an increase in the automotive sector,
01:58 the trading sector, which has a large share,
02:04 the electric, gas, and water sectors, and the social service sector.
02:09 The incentive with the reduction of the maximum interest rate of 4%
02:12 is provided if the bank is able to increase its credit distribution to certain sectors.
02:17 Among others, generalization, mineral and coal, non-mineral, housing, tourism,
02:22 inclusive macro-credential, ultra-micro, and green finance.
02:27 The macro-credentials incentive policy is part of the Bank Indonesia policy
02:34 to maintain the momentum of national economic recovery.
02:37 From Jakarta, Najwa Padmo, Aidek Channel.
02:42 We will discuss the topic this time,
02:45 "Maintaining the momentum of the growth of the credit bank in 2024".
02:48 We have been connected via Zoom with Mr. Mohamad Amin Nurdin,
02:52 who is the senior faculty of the LPPI.
02:54 Hello, good morning, Mr. Amin.
02:57 Good morning, how are you?
02:59 Good news, Mr. Amin. Thank you for the opportunity.
03:02 This is a talk about the credit sector.
03:04 As Mr. Indonesia has said,
03:06 Indonesia is relaxed in terms of minimum debt
03:12 for the banking sector, thus increasing its liquidity.
03:15 So, the review that you can tell us first
03:18 about the distribution of the credit bank in Indonesia
03:21 until now, what is the condition like?
03:24 Okay, thank you.
03:28 If we talk about the credit bank,
03:30 especially what we have been through in the first quarter,
03:33 I myself was surprised
03:35 because the growth was quite significant.
03:38 At the beginning of the year, I predicted that the growth
03:41 might not be too fast because this is a political year.
03:46 At that time, I expected it to be still below 10,
03:50 maximum at 10, the double digit is thin.
03:53 And it turns out that in the first quarter,
03:55 the growth even reached almost 12%.
03:59 And this is very good.
04:01 Then, if we talk about the policy of Bank Indonesia
04:06 to expand the additional sectors for the macro-prudential policy,
04:12 I am sure and believe that this is aimed at
04:15 re-advancing the banking sector
04:18 to distribute the credit to those sectors.
04:21 Although, in my opinion,
04:23 the additional sectors of Bank Indonesia
04:27 have grown quite well.
04:29 For example, Minerba has grown by almost 30%,
04:33 although it is still dominated by big banks.
04:36 But this is a sign that
04:38 there is a good growth in the credit sector
04:41 in the first quarter of 2024.
04:44 So, that's all for my review of Q1.
04:48 Okay, but if we look at the goal of the policy,
04:51 the relaxation of macro-prudential liquidity,
04:53 is it more aimed at which part?
04:56 Maybe you can tell the audience.
04:58 Will it correlate with the increase of liquidity
05:00 from the banks themselves?
05:02 Or what is it like?
05:04 Yes, if it is related to liquidity,
05:06 I am very in favor of it.
05:08 Because, actually, at the beginning,
05:10 Mr. Jokowi said several times,
05:13 he said that he didn't want to have a problem with liquidity.
05:17 And it turns out that,
05:19 over time, it became a little problem for the banks.
05:24 So, if some banks hope
05:30 to have a relaxation on the GMM side,
05:33 which is now being done on June 1st,
05:35 this is one way to help a little
05:39 to increase the liquidity of the banks.
05:42 Because frankly, for banks right now,
05:44 to get third-party funds
05:47 will be more difficult in the current condition.
05:50 Then, banks have to find alternatives.
05:53 So, this is outside the policy that has been released on June 1st.
05:56 Banks are more encouraged to look for loans,
06:01 or then to offer stocks,
06:03 or then look for other alternative instruments
06:06 to increase their funds.
06:09 Like that. To help the banks.
06:11 But from the value side,
06:13 to become 4% from the previous 2.8%,
06:15 is this ideal enough?
06:17 Actually, if this is enough to help banks
06:22 to have a relaxation,
06:24 so that they can give more loans to sectors
06:26 that are endorsed by Bank Indonesia.
06:29 That's it.
06:30 The development of the sector that has been mentioned by Mr. Yuda Agung,
06:33 what do you think?
06:34 There are automotive, trading, electricity, gas and water,
06:36 as well as social services.
06:38 Is this a sector that is quite sexy
06:40 if we talk about lending there?
06:43 Yes. If you look at the figure,
06:45 actually, some portions are above 30%,
06:48 such as the mineral batteries,
06:50 and then there's also property,
06:52 the housing sector,
06:53 because there are many policies that have emerged,
06:55 including the loan,
06:56 which is out of context,
06:57 but it also helps, right?
07:00 To pay off the credit.
07:01 Including then, social services as well.
07:04 The figure, although it doesn't reach 30%,
07:06 15% to 20%,
07:08 and there's actually a trading sector,
07:10 which is also quite significant,
07:12 the growth.
07:13 And actually, I thought earlier,
07:16 Bank Indonesia will also encourage the MSMEs,
07:19 because of the data,
07:21 when the pandemic hit,
07:23 there were still many MSMEs
07:25 who haven't fully recovered.
07:27 But then, with the support of Ultramicro,
07:30 which I mentioned earlier by Mr. Yuda Agung,
07:32 I think this will help the MSME sector to grow,
07:36 and the banks will be more open
07:38 to pay off their loans.
07:40 One more thing,
07:41 maybe it will be mentioned next
07:43 when we talk about
07:44 what are the challenges that are still being faced by banks
07:47 in relation to advancing the growth of the credit,
07:50 so that it reaches the target that is expected to be regulated,
07:53 at the rate of 11% to 12%.
07:55 Because I personally still see,
07:57 by the end of the year,
07:58 the probability of not exceeding 12%,
08:01 but my estimate is 10% to 11% only.
08:04 That's the growth.
08:05 That's it. If the target was indeed double digit,
08:08 as from the government,
08:09 10% to 11%.
08:10 If it can be higher,
08:13 what components or maybe parameters
08:15 that still need to be improved
08:17 if there was already relaxation there?
08:19 Well, the expectation is actually,
08:23 many people want
08:25 the rescue that was removed in March 2024
08:29 to be extended until March 2025.
08:32 Because it gives a little breath.
08:34 If we talk about big banks,
08:36 they are very thick for the credit.
08:39 But we don't know if for the middle banks,
08:41 to the bottom,
08:42 the relative, maybe, the credit is not too big.
08:45 In the long run,
08:47 if the current condition,
08:49 we talk about geopolitics,
08:51 in the Middle East and so on,
08:53 it will hinder the distribution of goods.
08:58 There will definitely be inflation.
09:00 Globally, some big countries
09:02 still can't reach the inflation target
09:05 as expected.
09:06 And this will definitely lead to
09:08 the current condition,
09:10 the economic slowdown,
09:12 then the weakening of the exchange rates
09:15 from some countries,
09:17 including Indonesia to the US.
09:19 And there is still a possibility
09:21 that this will cause
09:23 the "hire for longer"
09:26 high-level regime will last quite a long time.
09:29 This will also hinder many sides
09:32 when the volatility is forced.
09:33 But they also have to be concerned,
09:35 especially in the IMF sector,
09:37 the NPL is still unstable.
09:39 If the institutionalization related to credit,
09:42 since Covid and the government has assumed
09:44 that we are already in a normal condition,
09:46 so it is no longer needed,
09:48 and it was stopped.
09:49 If it continues,
09:51 this will be the next problem
09:54 with the ease of credit collection.
09:56 Meanwhile, the sector, as you said,
09:58 there are still several sectors
10:00 that still need to be resolved
10:02 from the NPL side, for example.
10:04 Yes, because at least this is an effort
10:08 to delay, to give a breath to the banks
10:13 to be able to improve internally.
10:15 Because if we look at the conditions
10:17 that are still unstable,
10:19 especially with the NPL that I mentioned,
10:21 the banks will be more careful.
10:23 It means that the growth of credit
10:25 will be a little delayed
10:27 with conditions like that.
10:29 Maybe this will not cause problems for the big banks
10:31 whose CPF checks are quite thick.
10:34 So they, from the risk side,
10:36 will be more careful to transfer credit
10:38 to sectors that are currently
10:40 still at war with the NPL.
10:43 With our fundamental economic conditions
10:45 that are getting better,
10:47 the inflation is maintained,
10:49 the growth rate is still maintained at 6.25%,
10:51 but is this enough conducive
10:53 for the transfer of bank loans?
10:55 We will discuss later in the next segment.
10:57 We will be back in a moment.
10:59 And viewers, we will be right back.
11:01 [Music]
11:17 You are still watching Market Review.
11:19 In the next segment, we will present data
11:21 related to the movement of Bank Indonesia Beirut.
11:24 You can watch the full video on your television screen.
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