Otoritas Jasa Keuangan (OJK) telah merevisi ketentuan tingkat bunga pinjaman untuk layanan pinjaman daring. Selain itu, OJK juga merevisi persyaratan batas minimum usia bagi pemberi dan penerima layanan pinjaman daring.
Category
📺
TVTranscript
00:00The Financial Services Authority has revised the level of loan payments for loan services.
00:11In addition, the OJK also revised the minimum age requirement for providing and receiving loan services.
00:18The Financial Services Authority has revised the level of loan payments for loan services based on information technology or loan.
00:30In the decision that began on January 1, 2025, there was a change in the level of loan payments based on the tenor.
00:39In the latest OJK decision, the consumptive payment tenor is above two tenors,
00:43i.e. six months below and above six months with a flower rate of 0.3% and 0.2% per day.
00:52Then for the productive payment, the payment tenor is also divided into six months below and above six months, or the same as the consumptive payment.
01:01And for the level of the productive payment flower is distinguished between ultra-micro business and small-medium business.
01:08The level of ultra-micro business flower with a tenor of less than six months is 0.275% per day and for tenors above six months is 0.1% per day.
01:19Then the level of flower for small-medium business financing with a tenor of six months below is 0.1% per day and above six months is also 0.1% per day.
01:29The head of the Regulation and Development Department of the Ventura Capital Company, the Micro Finance Institute and other financial services institutions,
01:36the Financial Services Authority, Ahmad Nasrullah, said
01:40the change in the economic benefits or the level of the flower loan has been discussed with industry players.
01:48But we also have calculations.
01:50There are components of the flower that they have.
01:55One of them is actually operational costs.
01:58We have also called the association yesterday on how they can increase the efficiency in this operational so that it can be included.
02:10So, in the beginning, maybe it's okay for them to burn money in this industry because the initial investment is large.
02:16Here we hope they can be more efficient.
02:20Ahmad hopes that the change in the level of the flower loan, especially for the productive sector, will be able to push the transfer of loans to the productive sector.
02:27In addition to regulating the level of the flower, the latest OJK regulation on the loan is also tightening the conditions of the loan.
02:34That is, the minimum age limit for donors and recipients has been 18 years old or has been married.
02:40Ahmad said the minimum age limit rule is expected to be able to reduce the potential of young people trapped in debt.
02:57For more information visit www.osho.com