BI Optimis Kredit Perbankan Tahun Ini Bisa Tumbuh 13%

MAPPI Jatim – Meski ekonomi di Tanah Air tumbuh melambat, namun Bank Indonesia masih optimis pertumbuhan kredit sampai akhir tahun bakal mencapai target 11%-13%. Pendorong pertumbuhan ekonomi pada paruh kedua tahun 2015 ini adalah belanja pemerintah yang diharapkan dapat segera terealisasi.

“Kami harapkan di semester II-2015 ini dari sisi pemerintah, adanya stimulus berupa proyek-proyek pembangunan pemerintah sudah bisa terlaksana sehingga akan mendorong pertumbuhan kredit,” kata Deputi Gubernur Bank Indonesia, Erwin Rijanto di Jakarta, akhir pekan lalu.

Erwin bilang, selain stimulus tersebut, paket kebijakan yang digelontorkan pemerintah, Bank Indonesia dan juga Otoritas Jasa Keuangan (OJK), diharapkan dapat memberikan dampak yang baik dalam jangka menengah dan panjang.

“Paket kebijakan pemerintah tentu tidak bisa instan hasilnya. Selain itu, relaksasi yang diberikan BI akan direview dan jika diperlukan akan diperbaiki lagi. Tapi untuk saat ini, kami masih melihat dan memantau realisasi di lapangan dari paket kebijakan pemerintah dan relaksasi yang dibuat oleh BI dan juga OJK,” kata Erwin.

Kredit yang disalurkan oleh perbankan memperlihatkan pelambatan. Per Juli 2015, tercatat penyaluran kredit Rp 3.859,6 triliun, atau tumbuh 9,4% dibanding Juli 2014. Pertumbuhan ini memperlihatkan pelambatan dibandingkan Juni dengan pertumbuhan 10,5% year on year.

Akibat pelambatan penyaluran kredit, uang beredar (M2) kembali melambat. Posisi M2 pada akhir Juli 2015 tercatat sebesar Rp 4.383 triliun. Angka ini hanya tumbuh 12,7% secara tahunan dan mengalami perlambatan bila dibandingkan Juni 2015 yang sebesar 13,%.

Suku bunga simpanan dan bunga kredit mengalami penurunan sejalan dengan melambatnya pertumbuhan kredit. Pada Juli 2015, suku bunga deposito berjangka 3 dan 6 bulan masing–masing tercatat sebesar 8,13% dan 8,71%, atau turun dibandingkan bulan sebelumnya yang masing-masing tercatat sebesar 8,27% dan 8,73%. Sementara itu, rata-rata suku bunga kredit turun dari 12,97% pada Juni 2015 menjadi 12,92% pada Juli 2015.

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