Medan – Pengusaha-pengusaha UMKM Sumatera Utara menanggapi positif atas pengumuman Otoritas Jasa Keuangan (OJK) yang tengah mengkaji penghapusan kredit atas kredit bermasalah alias write off kredit UMKM dengan nilai maksimal Rp 5 miliar. Dimana langkah ini dilakukan untuk mendukung pengembangan UMKM di sektor yang berperan aktif dalam pengembangan bisnis UMKM.
Dikutib dari (www.cnbcindonesia.com) Juru Bicara OJK Sekar Putih Jarot mengatakan hal ini masih berupa usulan yang disampaikan pelaku industri kepada OJK dan masih dalam koordinasi dengan lembaga dan kementerian terkait untuk merespon usulan tersebut.
“Usulan penghapusan kredit NPL [kredit bermasalah, non performing loan/NPL] UMKM di bawah Rp 5 Miliar berasal dari industri yang ingin berperan aktif dalam pengembangan bisnis UMKM dengan target di atas 30% pada tahun 2024,” kata Sekar dalam keterangannya, Jumat (30/4/2021).
Dia menyebutkan saat ini tengah dibahas mengenai strategi untuk memperluas cakupan pembiayaan UMKM yang disertai dengan pendampingan kepada UMKM.
Sejalan dengan adanya perbaikan model bisnis dan dukungan kemajuan informasi dan teknologi/digitalisasi guna menumbuhkan bisnis UMKM untuk mendorong program pemulihan ekonomi nasional.
Untuk diketahui, berdasarkan data terakhir yang disampaikan oleh OJK, per Maret 2021 besaran kredit bermasalah (NPL) perbankan tercatat sebesar 3,17% dengan NPL net 1,02%.
Nilai outstanding restrukturisasi (dikurangi nilai pelunasan) hingga Maret telah mencapai Rp 999,7 triliun dengan total debitur yang direstrukturisasi sebanyak 7,97 juta.
Porsi UMKM mencapai 6,17 juta debitur dengan nilai restrukturisasi Rp 392,2 triliun dan korporasi sebanyak 1,80 juta senilai Rp 607,5 triliun.
Deputi Komisioner Perbankan III OJK Slamet Edy Purnomo (dikutib di sunting dari https://www.republika.co.id/) mengatakan penghapusan NPL ditujukan agar nasabah UMKM yang dulu pernah dicoret dalam sistem credit scoring bank bisa diampuni dan bisa kembali menjadi nasabah bank.
“Karena sekali masuk kredit macet bank, maka selamanya tidak bisa meminjam ke bank. Akhirnya mereka beralih ke P2P lending dan di sana ternyata berhasil karena ada program pendampingan,” ucapnya. (SK-TeamSumut/MM).
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