BI: Kredit Investasi Miliki Risiko Cukup Tinggi
BI: Investment Credit is Quite Risky
Editor : Mohamad Aslan
Translator : Parulian Manalu
Jakarta (B2B) - Risiko kredit perbankan selama semester I 2012 memang sedikit meningkat dibandingkan semester II 2011. Menurut Kajian Stabilitas Keuangan dan Perbankan Bank Indonesia edisi September 2012, pada akhir semester I 2012, rasio NPL gross di level 2,18%, naik tipis dibanding semester I 2011 di level 2,17%.
"Peningkatan tersebut terutama disebabkan kenaikan kredit bermasalah, meskipun lebih rendah dibandingkan pertumbuhan total pembiayaan," kata Executive Director of Strategic Planning and Public Relations at Bank Indonesia, Dodi Budi Waluyo di Jakarta, Jumat (9/11/2012).
Dia menambahkan, jika dilihat dari jenis kredit, peningkatan jumlah kredit bermasalah selama semester I 2012 terjadi pada semua jenis kredit. Rasio NPL gross kredit investasi semester I 2012 naik menjadi 1,99% dari 1,92%. Sementara kredit konsumsi naik menjadi 1,60% dari 1,57%. Adapun NPL kredit modal kerja turun menjadi 2,60% dari 2,65%.
“Kredit investasi memiliki risiko cukup tinggi,” ujar Dodi.
Pada periode tersebut, kredit bermasalah meningkat hampir di semua sektor. Peningkatan terbesar kredit bermasalah terutama terdapat pada sektor jasa sosial, pertambangan, dan pertanian. Sementara penurunan kredit bermasalah terjadi pada sektor pengangkutan, industri pengolahan, perdagangan, dan konstruksi.
"Investment credit risk in the future is estimated to be controllable if bank disbursed loans by following precautionary principles," ungkapnya lagi.
Jakarta (B2B) - Banking credit risk for the first semester of 2012 is in fact, slightly higher than in the second semester of 2011. According to Bank Indonesia’s Financial and Banking Stability Review of September 2012, in the end of the first half of 2012, gross NPL ratio was at 2.18 percent, slightly higher than in the first half of 2011 at 2.17 percent.
"Such growth is due mainly to higher non-performing loans, although still lower than total financing growth," said Executive Director of Strategic Planning and Public Relations at Bank Indonesia, Dodi Budi Waluyo in Jakarta on Friday (9/11/2012).
He added, based on types of credit, non-performing loans hike in the first semester of 2012 occurred in all types of credit. Gross NPL ratio on the investment credit in the first semester of 2012 climbed to 1.99 percent from 1.92 percent. Consumer credit rose to 1.60 percent from 1.57 percent. Working capital NPL dropped to 2.60 percent from 2.65 percent.
“Investment credit is quite risky,” Dodi said.
During the period, non-performing loan increased almost in all sectors. The highest NPL increase is mainly on social service, mining and agriculture sectors. Meanwhile lower NPL mostly occurred in transportation, processing industry, trade and construction sectors.
"Investment credit risk in the future is estimated to be controllable if bank disbursed loans by following precautionary principles," he revealed.
