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Di Tengah Momentum Lebaran, Penyaluran Pinjaman Online Justru Menurun pada April 2023 | Databoks Home Di Tengah Momentum Lebaran, Penyaluran Pinjaman Online Justru Menurun pada April 2023 Di Tengah Momentum Lebaran, Penyaluran Pinjaman Online Justru Menurun pada April 2023 Nilai Penyaluran Pinjaman Online di Indonesia (April 2022–April 2023) Sumber : Otoritas Jasa Keuangan (OJK), 31 Mei 2023
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Penulis: Cindy Mutia Annur
Editor: Padjar Iswara
7/6/2023, 16.12 WIB
Otoritas Jasa Keuangan (OJK) melaporkan, nilai penyaluran fintech lending atau pinjaman online mencapai Rp17,29 triliun pada April 2023.
Angka penyaluran pinjaman di tengah momentum Ramadan dan Lebaran Idul Fitri tersebut justru menurun 12,36% dibanding bulan sebelumnya (month-on-month/mom ) yang sebesar Rp19,73 triliun.
Penyaluran pinjaman online pada April 2023 juga menurun 3,46% jika dibandingkan dengan periode yang sama tahun lalu (year-on-year/yoy). Pada April 2022, penyaluran pinjaman online sebesar Rp17,91 triliun.
Pinjaman online pada April 2023 disalurkan kepada 12,67 juta penerima pinjaman. Jumlah peminjam tersebut turun 11,64% secara bulanan (mom). Mayoritas atau 9,97 juta peminjam berasal dari wilayah Jawa, setara 78,68% dari total peminjam nasional.
Adapun sebanyak Rp6,41 triliun atau 37,11% pinjaman diberikan kepada sektor produktif. Dari jumlah tersebut, Rp2,39 triliun dipinjamkan ke sektor perdagangan besar dan eceran.
Berikutnya, pinjaman ke sektor pertanian, perhutanan dan perikanan mencapai Rp222,82 miliar, diikuti pinjaman ke industri pengolahan Rp29,14 miliar, serta ke sektor penyediaan akomodasi dan penyediaan makan minum Rp446,16 miliar.
Jumlah rekening pemberi pinjaman tercatat mencapai 9,87 juta akun, dengan total dana yang disalurkan Rp17,59 triliun. Kerja sama penyaluran oleh pemberi pinjaman institusi (super lender) pada April 2023 disumbang oleh 1.195 lembaga jasa keuangan konvensional senilai Rp4,1 triliun.
(Baca: Jawa Barat Dominasi Penyaluran Pinjaman Online Nasional pada Maret 2023 )
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