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Ini Komposisi Kredit Rumah Tangga dari Perbankan pada 2021 | Databoks Home Ini Komposisi Kredit Rumah Tangga dari Perbankan pada 2021 Ini Komposisi Kredit Rumah Tangga dari Perbankan pada 2021 Kredit Rumah Tangga dari Perbankan Menurut Kelompok (2021) Sumber : Bank Indonesia (BI),
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Penulis: Viva Budy Kusnandar
Editor: Annissa Mutia
Berdasarkan data Bank Indonesia (BI) kredit rumah tangga dari perbankan mencapai Rp1,38 triliun pada 2021. Nilai tersebut tumbuh 4,89% dibanding tahun sebelumnya (year on year /yoy).
Komposisi kredit rumah tangga terbesar adalah untuk kredit multiguna, yakni mencapai Rp633,04 miliar (45,72%), diikuti Kredit Pemilikan Rumah (KPR) rumah tangga senilai Rp590,88 miliar (42,67%).
Kemudian ada pula Rp99,1 miliar (7,16%) untuk kredit kendaraan bermotor, Rp52,72 miliar (3,81%) untuk kredit rumah tangga lainnya, serta Rp8,97 miliar (0,65%) kredit peralatan rumah tangga.
Rasio kredit bermasalah (Non Performing Loan /NPL) kredit rumah tangga turun menjadi 1,77% pada Desember 2021 dibanding 1,87% pada Desember 2022.
Adapun dana pihak ketiga (DPK) rumah tangga di perbankan mencapai Rp3,77 triliun pada 2021. Dengan rincian, Rp2,22 triliun (59,8%) dalam bentuk tabungan, Rp1,3 triliun (34,53%) dalam bentuk deposito, dan Rp240 miliar (6,39%) dalam bentuk giro.
(Baca: Rasio Kredit Bermasalah Perbankaan Terus Meningkat Akibat Pandemi )
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