Banyak Banker Sedang Garuk-Garuk Kepala
Saya percaya, dalam setiap halaman hidup keberpihakan ke rakyat kecil adalah nyawa utama. Sehingga tidak usaha kaget bahwa perjuangan-perjuangan pasti membawa kesulitan. Itu malah menjadi pengalaman, pembelajaran, menuntut nyali dan keberanian. Lalu apa pelajarannya agar lebih nyata dan spesifik? Pelajarannya jeli dan hanya percayalah pada portfolio karya, kontrak MOU dengan DP didepan, dan hasil tindakan nyata di lapangan yang dilakukan, bukan kata-kata manis.
Bagi saya ada kabar yang cukup menyenangkan. Dalam pertemuan tahunan, Presiden menyindir para banker mengenai terlalu besarnya nilai NIM (net interest margin) perbankan. Gayung bersambut langsung disaut oleh Menteri BUMN Erick Thohir dengan usulan suku bunga 0% bagi pelaku usaha ultra mikro di Indonesia kepada Gubernur Bank Indonesia, pak Perry Warjiyo. Output rapat disepakati adanya wacana penggodokan penerapan suku bunga 0% bagi para pelaku usaha ultra mikro.
Dalam situasi berbeda, mendengar respon itu para banker langsung kemropok, yang benar saja bisa habis operasional kami kalau mengikuti instruksi pemerintah seperti ini. Pasalnya kegrundelan banker-banker ini karena jelas mereka yang diminta/ disuruh membayar cost of fund perbankan dan tidak mungkin mendapatkan pendapatan dari menjual kredit dengan suku bunga 0%. Di satu sisi, alasan banker 'garuk-garuk kepala' karena cukup bingung bagaimana cara mengatasi predatory pricing bahkan kanibalisasi pasar pembiyaan jika BUMN bank khususnya 'turun gunung' melaksanakan program-program ini, sedangkan menurut swasta itu bukan TUPOKSI-nya, di lapangan para segmen pasar usaha ultra mikro dipegang perbankan swasta dan BPR. Dan jelas ini hantaman keras bagi mereka dalam dunia persaingan usaha. Untuk diketahui produk KUR (kredit usaha rakyat) yang dikeluarkan sebelumnya adalah sebesar suku bunga 3%, dan tentu bukan 0%.
Memang berapa to NIM perbankan di Indonesia, antara lain sebagai berikut:
Tabel 1. NIM Perbankan Indonesia (Per-Kelompok Bank)
|
Ket |
Des-19 |
Des-20 |
Des-21 |
Des-22 |
|
KBMI 4 |
5,59 |
4,99 |
5,27 |
5,29 |
|
KBMI 3 |
3,80 |
3,61 |
3,74 |
3,88 |
|
KBMI 2 |
4,64 |
3,87 |
3,82 |
4,18 |
|
KBMI 1 |
4,08 |
3,66 |
3,73 |
4,46 |
|
BUMN |
5,26 |
4,63 |
5,16 |
5,24 |
|
Bnak Swasta |
4,27 |
4,00 |
3,95 |
4,24 |
|
BPD |
5,81 |
5,54 |
5,55 |
5,54 |
|
KCBA |
4,09 |
2,83 |
2,17 |
2,71 |
|
RATA-RATA INDUSTRI |
4,69 |
4,14 |
4,17 |
4,44 |
Sumber Data: Biro Riset Infobank (birl), 2023.
Beberapa amatan lapangan yang saya amati menunjukkan bahwa kalau NIM diatur-atur seperti ini kayaknya hanya akan membuat banker dilematis, khususnya para banker papan bawah modal cekek. Walaupun demikian, masalah modal akan selalu menjadi isu yang terus ditanamkan dan butuh solusi kedepan. Kalau mengacu pada POJK (Peraturan Otoritas Jasa Keuangan) No. 12/POJK.03/2020 diminta angka berfokus pada kecukupan beroperasi secara normal dan harus mendapatkan laba wajar. Inilah sebabnya para bank-bank yang ingin berbisnis di bidang ini harus minimalnya punya modal Rp 2triliun atau Rp 12 triliun agar tahanan margin dan modalnya cukup di lapangan demi skala usaha berkelanjutan.
Tapi terlepas dari kebingungan teknis internal banking tentang kebijakan keberpihakan ini. Usulan suku bunga 0% KUR bagi saya ada di ranah pemerintah, sehingga swasta dan BPR tidak punya hak intenvensi dan ikut campur. Apalagi itu menggunakan dana APBN subsidi. Hanya kalau di bidang expertised saya di bidang keuangan, mungkin catatannya di harus mampu mengukur kemampuan fiskal mendukung usulan tsb. Ini jujur kalau menurut saya, saya senang dengan gagasan dan model usulan-usulan seperti ini; jelas ada keberpihakan kuat ke rakyat kecil.
Mungkin catatan saya kedepannya di sustainabilitas ya; jangan hanya pencitraan. Maksudnya bagaimana? Ide kebijakan suku bunga kredit/ KUR 0% akan sulit impactfull ke rakyat atau usaha utra mikro rakyat manakala pemerintah sendiri saat ini sedang kesulitan dana APBN. Dasarnya apa program ini sustain, yang ada hanya pencitraan. Tolong kalkulasi dan pertimbangannya harus matang, jangan hanya appetite.
|
No |
Nama Bank |
Aset Total (Rp Juta) |
Modal Inti (Rp Juta) |
Ketentuan Modal Minimum Bank Umum 2022 (Rp Juta) |
Posisi Modal Inti 2021 Dikurangi Ketentuan Modal
Inti (Rp Juta) |
Modal Inti (Rp Juta) |
Akumulasi Laba 2017-2021 (Rp Juta) |
Laba Rugi Tahun Berjalan (Rp Juta) |
ROA (%) |
ROE (%) |
|||
|
Des-21 |
Sep-22 |
Des-21 |
Sep-22 |
Sep-22 |
Des-21 |
Sep-22 |
Des-21 |
Sep-22 |
|||||
|
KBMI 4 (MODAL INTI DIATAS RP 70 TRILIUN) |
|
|
|
|
|
|
|
|
|
||||
|
1 |
BANK RAKYAT INDONESIA |
1.572.761.035 |
1.575.760.325 |
231.982.043 |
3.000.000 |
228.982.043 |
233.846.698 |
144.768.659 |
37.184.611 |
2,72% |
3,97% |
15,87% |
22,00% |
|
2 |
BANK CENTRA ASIA |
1.205.491.799 |
1.259.492.289 |
181.159.527
|
3.000.000 |
178.159.527 |
187.687.698 |
131.822.158 |
28.026.550 |
3,41% |
3,69% |
18,25% |
20,65% |
|
3 |
BANK MANDIRI |
1.355.555.571 |
1.443.000.499 |
165.492.705 |
3.000.000 |
162.492.705
|
169.655.464 |
109.105.004 |
28.507.613 |
2,51% |
3,40% |
16,24% |
21,28% |
|
4 |
BANK NEGARA INDONESIA |
941.211.128 |
909.638.667 |
112.685.137 |
3.000.000 |
109.685.137 |
113.039.091 |
55.562.440 |
13.885.249 |
1,43% |
2,48% |
10,42% |
16,56% |
|
KBMI 3 (MODAL INTI DIATAS RP 14 TRILIUN
S/D 70 TRILIUN) |
|
|
|
|
|
|
|
|
|
||||
|
1 |
BANK CIMB NIAGA |
307.243.611 |
301.824.676 |
38.900.845 |
3.000.000 |
35.900.845
|
37.620.308 |
15.414.382 |
3.620.338 |
1,75% |
2,07% |
10,50% |
12,71% |
|
2 |
PANIN BANK |
190.667.695 |
181.077.682 |
39.341.991 |
3.000.000 |
36.341.991 |
39.040.516 |
14.471.640
|
2.209.500 |
1,73% |
2,06% |
6,79% |
7,56% |
|
3 |
BANK DANAMON INDONESIA |
178.695.480 |
175.958.714 |
31.014.115 |
3.000.000 |
28.014.115 |
31.544.874 |
14.257.903 |
2.525.418 |
1,02% |
2,19% |
5,02% |
10,75% |
|
4 |
BANK OCBC NISP |
214.436.988 |
220.444.826 |
31.058.815 |
3.000.000 |
28.058.815 |
31.330.109 |
12.374.373 |
2.547.332 |
1,55% |
1,92% |
8,37% |
10,88% |
|
5 |
BANK MEGA |
132.879.390 |
126.173.172 |
18.476.388 |
3.000.000 |
15.476.388 |
17.262.030 |
11.918.485 |
2.640.673 |
4,22% |
3,58% |
23,49% |
20,56% |
|
6 |
BANK TABUNGAN NEGARA |
371.868.311 |
389.291.838 |
18.531.612 |
3.000.000 |
15.531.612 |
18.215.460 |
10.023.237 |
2.274.799 |
0,81% |
1,03% |
13,64% |
16,83% |
|
7 |
BANK HSBC IDNONESIA |
124.461.796 |
125.403.063 |
19.802.435 |
3.000.000 |
16.802.435 |
16.955.164 |
7.360.014 |
1.616.774 |
1,53% |
2,22% |
7,61% |
11,97% |
|
8 |
BANK BTPN |
174.601.315 |
180.585.841 |
27.443.450 |
3.000.000 |
24.443.450 |
28.974.475 |
6.718.192 |
1.821.443 |
1,41% |
1,71% |
6,81% |
8,55% |
|
9 |
BANK MAYBANK INDONESIA |
157.962.140 |
154.482.625 |
23.188.366 |
3.000.000 |
20.188.366 |
22.419.096 |
6.537.452 |
684.377 |
1,00% |
0,80% |
5,31% |
4,01% |
|
10 |
BANK SYARIAH INDONESIA |
265.289.081 |
280.002.034 |
23.173.019 |
3.000.000 |
20.173.019 |
25.610.891 |
5.215.254 |
3.205.251 |
1,61% |
2,08% |
13,71% |
17,44% |
|
11 |
PERMATA BANK |
234.379.042 |
220.454.187 |
43.912.905 |
3.000.000 |
40.912.905 |
45.482.740 |
5.094.695 |
2.243.137 |
0,73% |
1,64% |
2,88% |
6,66% |
|
12 |
BANK UOB INDONESIA |
121.395.036
|
143.393.885 |
14.072.172 |
3.000.000 |
11.072.172 |
14.177.868 |
2.428.619 |
622.996 |
0,71% |
0,18% |
4,68% |
5,87% |
|
KBMI 2 (MODAL INTI DIATAS RP 6 TRILIUN
S/D 14 TRILIUN) |
|
|
|
|
|
|
|
|
|
||||
|
1 |
BANK BJB |
149.420.474 |
160.603.472 |
11.367.232 |
3.000.000 |
8.367.232 |
12.016.261 |
8.362.232 |
1.791.370 |
1,73% |
1,88% |
19,01% |
20,26% |
|
2 |
BANK JATIM |
100.723.330 |
98.477.208 |
9.297.192 |
3.000.000 |
6.297.192 |
9.400.982 |
6.308.215 |
1.203.338 |
2,05% |
0,02% |
17,26% |
15,85% |
|
3 |
BANK JATENG |
80.348.339 |
84.786.548 |
7.949.562 |
3.000.000 |
4.949.562 |
8.535.288 |
5.945.066 |
1.535.768 |
2,39% |
3,25% |
19,48% |
26,74% |
|
4 |
BANK BTPN SYARIAH |
18.543.856 |
20.569.859 |
6.771.168 |
3.000.000 |
3.771.168 |
7.304.849 |
5.354.746 |
1.325.177 |
10,72% |
11,53% |
23,67% |
25,14% |
|
5 |
BANK DKI |
70.741.743 |
75.240.786 |
9.266.887 |
3.000.000 |
6.266.887 |
9.256.359 |
3.637.717 |
726.387 |
15,80% |
1,76% |
7,96% |
10,48% |
|
6 |
BANK MIZUHO INDONESIA |
56.878.961 |
76.827.374 |
13.808.572 |
3.000.000 |
10.808.572 |
14.236.282 |
3.270.603
|
620.760 |
13,70% |
1,74% |
4,08% |
5,89% |
|
7 |
BANK KEB HANA IDNONESIA |
43.267.167 |
45.572.331 |
9.743.826 |
3.000.000 |
6.743.326 |
9.853.509 |
2.681.655 |
1.791.370
|
10,30% |
1,41% |
3,74% |
4,59% |
|
8 |
BANK WOORI SAUDARA INDONESIA 1906 |
43.801.571 |
48.994.215 |
7.273.883 |
3.000.000 |
4.273.883 |
7.717.928 |
2.641.656 |
624.546 |
2,00% |
0,02% |
0,10% |
11,22% |
|
9 |
BANK ANZ INDONESIA |
16.561.561 |
18.581.129 |
5.987.275 |
3.000.000 |
2.987.275 |
6.046.415 |
2.417.870 |
191.651 |
1,50% |
1,92% |
0,03% |
4,25% |
|
10 |
BANK MAYAPADA |
119.104.185 |
129.541.258 |
12.011.833 |
3.000.000 |
9.011.833 |
12.093.427 |
1.749.222 |
109.747 |
0,07% |
0,15% |
0,35% |
1,20% |
|
11 |
BANK BNP PARIBAS INDONESIA |
21.799.731
|
20.729.772 |
6.253.944 |
3.000.000 |
3.253.944 |
6.493.115 |
1.666.411 |
185.620 |
0,82% |
1,30% |
2,40% |
3,86% |
|
12 |
BANK SINARMAS |
52.671.981 |
53.383.860 |
6.943.147 |
3.000.000 |
3.943.147 |
6.652.292 |
622.417 |
182.949 |
0,00% |
0,58% |
2,02% |
3,61% |
|
13 |
BANK DBS INDONESIA |
86.154.871 |
99.225.474 |
8.476.832 |
3.000.000 |
5.476.832 |
9.136.211 |
618.878 |
728.415 |
0,95% |
1,34% |
6,95% |
0,11% |
|
14 |
ALLO BANK INDONESIA |
4.649.357 |
10.598.944 |
1.274.748 |
3.000.000 |
(1.725.252) |
6.245.035 |
80.155 |
209.027 |
4,74% |
3,78% |
25,64% |
4,52% |
|
15 |
BANK JAGO |
12.312.422 |
15.823.104 |
7.666.106 |
3.000.000 |
4.666.106 |
7.502.341 |
(257.534) |
40.573 |
0,10% |
0,50% |
1,28% |
4,71% |
|
KBMI 1 (MODAL INTI S/D 6 TRILIUN) |
|
|
|
|
|
|
|
|
|
||||
|
1 |
BANK SULSELBAR |
27.784.973 |
29.660.346 |
3.822.235 |
3.000.000 |
821.235 |
4.213.268 |
3.020.367 |
580.769 |
3,09% |
3,34% |
1,47% |
18,85% |
|
2 |
BANK SUMUT |
38.012.388 |
40.625.690 |
3.924.501 |
3.000.000 |
924.501 |
4.127.269 |
2.805.538 |
520.578 |
2,00% |
2,17% |
16,67% |
17,38% |
|
3 |
BANK BPD BALI |
28.910.973 |
31.011.581 |
3.253.670 |
3.000.000 |
253.670 |
3.397.211 |
2.702.367 |
542.453 |
2,62% |
3,05% |
17,78% |
22,29% |
|
4 |
BANK ACEH SYARIAH |
28.170.826 |
29.011.399 |
2.645.166 |
3.000.000 |
(354.834) |
3.172.294 |
2.050.622 |
318.643 |
1,87% |
1,94% |
16,88% |
15,29% |
|
5 |
BANK MANDIRI TASPEN |
45.541.864 |
50.068.520 |
3.854.255 |
3.000.000 |
854.255 |
4.531.827 |
2.024.563 |
905.345 |
2,04% |
3,54% |
1,74% |
28,31% |
|
6 |
BANK RIAU KEPRI SYARIAH |
30.779.686 |
29.661.253 |
2.995.038 |
3.000.000 |
(4.962) |
3.055.288 |
1.950.723 |
110.392 |
1,93% |
2,86% |
12,49% |
22,04% |
|
7 |
BANK SUMSEL BABEL |
31.626.365 |
34.224.813 |
3.839.080 |
3.000.000 |
839.080 |
3.936.109 |
1.893.170 |
403.248 |
2,01% |
2,08% |
13,61% |
13,86% |
|
8 |
BANK KALBAR |
23.236.975 |
21.199.185
|
3.097.960 |
3.000.000 |
97.960 |
3.353.963 |
1.831.617 |
328.138 |
2,51% |
2,63% |
13,39% |
13,61% |
|
9 |
BANK NAGARI |
27.982.085 |
29.879.981 |
3.250.705
|
3.000.000 |
250.705 |
3.372.109 |
1.761.517 |
354.864 |
1,90% |
2,11% |
13,37% |
14,42% |
|
10 |
BANK KALTIMTARA |
33.042.705 |
34.665.230 |
4.112.080 |
3.000.000 |
1.112.080 |
4.102.123 |
1.747.288 |
227.685 |
1,33% |
1,20% |
7,55% |
7,48% |
|
11 |
BANK MESTIKA |
15.983.192 |
17.234.072 |
4.370.012 |
3.000.000 |
1.370.012 |
4.221.341 |
1.623.189 |
390.586 |
4,31% |
3,96% |
12,50% |
12,14% |
|
12 |
BANK JAMBI |
13.116.343 |
13.836.328 |
1.748.007 |
3.000.000 |
(1.251.993) |
1.870.684 |
1.354.296
|
338.654 |
3,20% |
4,41% |
19,37% |
25,71% |
|
13 |
BANK PAPUA |
26.122.560 |
29.429.599 |
3.531.693 |
3.000.000 |
531.693 |
3.668.368 |
1.279.963 |
300.703 |
1,76% |
1,45% |
10,74% |
11,07% |
|
14 |
BANK BPD DIY |
15.765.333 |
16.865.795 |
2.638.519 |
3.000.000 |
(361.481) |
2.880.389 |
1.224.731 |
204.376 |
2,16% |
2,13% |
11,15% |
9,74% |
|
15 |
BANK NTT |
15.666.763 |
17.122.701 |
2.085.155 |
3.000.000 |
(914.245) |
2.232.381 |
1.198.085 |
170.413 |
1,85% |
1,74% |
12,03% |
10,46% |
|
16 |
BANK SULTRA |
12.056.208 |
12.103.686 |
1.385.541 |
3.000.000 |
(1.614.459) |
1.446.134 |
1.132.520 |
242.975 |
3,39% |
4,12% |
21,44% |
22,58% |
|
17 |
BANK PEMBANGUNAN KALTENG |
11.569.476 |
13.117.924 |
1.740.824 |
3.000.000 |
(1.259.176) |
1.838.293 |
1.122.288 |
214.618 |
2,80% |
3,01% |
15,51% |
16,33% |
|
18 |
BANK SULUTGO |
18.476.453 |
20.007.391 |
1.474.576 |
3.000.000
|
(1.525.424) |
1.592.650 |
1.029.695 |
201.684 |
0,22% |
1,76% |
13,39% |
17,64% |
|
19 |
BANK ICBC INDONESIA |
63.051.548 |
59.572.287 |
5.421.241 |
3.000.000 |
2.421.241
|
5.406.079 |
890.041 |
144.787 |
0,96% |
0,40% |
8,82% |
3,52% |
|
20 |
BANK MALUKU MALUT |
8.949.076 |
10.165.371 |
1.375.379 |
3.000.000 |
(1.624.621) |
1.490.236
|
844.683 |
153.551 |
2,99% |
2,69% |
16,73% |
14,31% |
|
21 |
BANK BPD KALSEL |
16.535.442 |
18.523.423 |
1.992.825 |
3.000.000 |
(1.007.175) |
2.028.268 |
837.748 |
247.714 |
1,77% |
2,35% |
11,56% |
16,66% |
|
22 |
BANK MEGA SYARIAH |
14.041.751 |
14.365.625 |
1.869.586 |
3.000.000 |
(1.130.414) |
2.016.483 |
837.717 |
195.551 |
4,08% |
2,57% |
28,48% |
13,44% |
|
23 |
BANK LAMPUNG |
10.701.980 |
11.808.797 |
1.196.543 |
3.000.000 |
(1.803.457) |
1.204.905 |
760.967 |
128.458 |
2,19% |
1,79% |
15,00% |
14,51% |
|
24 |
BANK NTB SYARIAH |
11.215.180 |
13.117.213 |
1.409.529 |
3.000.000 |
1.590.471 |
1.441.815 |
730.182 |
131.591 |
1,64% |
0,11% |
10,04% |
11,07% |
|
25 |
BANK SULTENG |
11.001.187
|
11.772.935 |
1.173.913 |
3.000.000 |
1.826.087 |
1.216.877 |
724.208 |
195.173 |
3,15% |
3,07% |
18,64% |
21,43% |
|
26 |
BANK MAS |
23.203.123 |
20.122.271 |
2.709.297 |
3.000.000 |
(290.703) |
3.049.994 |
692.598 |
242.953 |
0,05% |
1,94% |
9,15% |
12,16% |
|
27 |
BANK SHINHAN INDONESIA |
17.543.629 |
2.141.266 |
4.529.408 |
3.000.000 |
1.529.408 |
4.557.874 |
505.210 |
157.672 |
0,76% |
1,34% |
2,23% |
4,63% |
|
28 |
BANK BENGKULU |
8.167.685 |
8.785.875 |
1.049.878 |
3.000.000 |
(1.950.122) |
945.212 |
488.557 |
105.080 |
1,38% |
2,11% |
8,25% |
15,39% |
|
29 |
BANK JASA JAKARTA |
7.488.344 |
11.741.859 |
2.064.788 |
3.000.000 |
(915.212) |
5.990.604 |
449.593 |
52.959 |
1,60% |
1,20% |
4,79% |
2,78% |
|
30 |
BANK INDEX SELINDO |
10.305.615 |
10.136.497 |
1.472.559 |
3.000.000 |
(1.527.441) |
2.095.072 |
447.531 |
78.512 |
1,49% |
1,30% |
7,08% |
5,46% |
|
31 |
BANK SBI INDONESIA |
5.754.751 |
4.968.947 |
2.109.069 |
3.000.000 |
(890.931) |
2.121.751 |
384.077 |
44.191 |
1,21% |
1,45% |
2,87% |
2,77% |
|
32 |
BANK CHINA CONSTRUCTION BANK INDONESIA |
26.194.548 |
24.297.260 |
5.599.895 |
3.000.000 |
2.599.895 |
5.724.241 |
348.097 |
91.158 |
0,41% |
0,60% |
1,43% |
2,15% |
|
33 |
BANK MASPION |
14.234.358 |
13.824.265 |
1.258.747 |
3.000.000 |
(1.741.253) |
1.349.387 |
347.406 |
88.836 |
0,79% |
1,10% |
6,45% |
9,04% |
|
34 |
BANK BCA SYARIAH |
10.642.152 |
11.336.977 |
2.792.291 |
3.000.000 |
(207.709) |
2.821.421 |
333.949 |
75.736 |
1,12% |
1,20% |
3,15% |
3,57% |
|
35 |
BANK BUMI ARTA |
8.666.526 |
8.243.022 |
2.211.485 |
3.000.000 |
(788.515) |
2.236.442 |
313.117 |
44.395 |
0,77% |
0,74% |
2,80% |
1,65% |
|
36 |
BANK CAPITAL INDONESIA |
22.325.883 |
20.231.240 |
2.071.492 |
3.000.000 |
(928.508) |
2.087.793 |
304.723 |
18.083 |
1,24% |
0,14% |
2,21% |
1,20% |
|
37 |
BANK CTBC INDONESIA |
17.613.072 |
19.856.301 |
2.868.608 |
3.000.000 |
(131.392) |
2.897.379 |
294.281 |
98.970 |
0,10% |
0,93% |
0,29% |
4,54% |
|
38 |
BANK SAHABAT SAMPOERNA |
12.034.385 |
13.358.398 |
2.053.586 |
3.000.000 |
(946.414) |
3.068.175 |
267.200 |
28.213 |
0,91% |
0,39% |
5,24% |
1,42% |
|
39 |
BANK NASIONALNOBU |
20.742.643 |
21.248.840 |
21.628.300 |
3.000.000 |
(1.371.700) |
1.617.903 |
243.320 |
75.430 |
0,54% |
0,63% |
4,48% |
6,22% |
|
40 |
KROM BANK INDONESIA |
2.476.075 |
2.837.812 |
2.067.802 |
3.000.000 |
(932.198) |
2.131.219 |
167.035 |
60.833 |
4,97% |
4,03% |
5,67% |
3,86% |
|
41 |
BANK MAYORA |
8.989.600 |
11.654.480 |
1.139.309 |
3.000.000 |
(1.860.691) |
4.225.259 |
120.647 |
60.340 |
0,47% |
0,97% |
1,67% |
2,76% |
|
42 |
BANK MUAMALAT |
58.899.174 |
59.779.157 |
4.838.871 |
3.000.000 |
1.838.371 |
5.068.091 |
107.391 |
31.616 |
0,02% |
0,09% |
0,20% |
0,84% |
|
43 |
BANK INA PERDANA |
15.055.850 |
20.303.526 |
2.321.502 |
3.000.000 |
(677.498) |
2.328.382 |
95.974 |
94.833 |
0,44% |
0,93% |
3,19% |
5,49% |
|
44 |
BANK AMAR INDONESIA |
5.203.045 |
3.700.200 |
1.024.165 |
3.000.000 |
(1.975.335) |
1.839.389 |
94.151 |
(172.867) |
0,02% |
-5,28% |
0,40% |
-13,44% |
|
45 |
BANK GANESHA |
8.575.950 |
9.048.391 |
2.072.676 |
3.000.000 |
(927.324) |
2.158.977 |
82.645 |
32.595 |
0,23% |
0,55% |
0,95% |
2,05% |
|
46 |
BANK OKE INDONESIA |
7.721.345 |
9.449.631 |
2.181.666 |
3.000.000 |
(118.334) |
2.969.273 |
44.521 |
10.257 |
0,38% |
0,21% |
0,05% |
0,46% |
|
47 |
BANK FAMA INTERNASIONAL |
2.717.857 |
4.076.707 |
1.921.694 |
3.000.000 |
(1.078.306) |
3.422.221 |
29.341 |
(125.668) |
-2,47% |
-5,06% |
-3,08% |
4,45% |
|
48 |
BANK VICTORIA SYARIAH |
1.660.859 |
1.512.747
|
260.291 |
3.000.000 |
(2.739.709) |
265.798 |
14.785 |
1.370 |
0,71% |
0,23% |
1,79% |
0,69% |
|
49 |
BANK DIGITAL BCA |
5.835.312 |
9.930.494 |
3.996.468 |
3.000.000 |
996.468 |
3.983.382 |
(24.673) |
(18.236) |
-1,65% |
-0,30% |
-2,77% |
-0,61% |
|
50 |
PRIMA BANK |
2.622.458 |
2.535.446 |
289.464 |
3.000.000 |
(2.710.536) |
257.398 |
(25.154) |
(11.877) |
0,73% |
-0,55% |
7,29% |
-5,87% |
|
51 |
BANK COMMONEWALTH |
20.058.771 |
18.661.043 |
3.289.104 |
3.000.000 |
289.104 |
3.046.535 |
(58.195) |
(75.321) |
-0,41% |
-0,59% |
4,96% |
-3,16% |
|
52 |
BANK ALADIN SYARIAH |
2.173.162 |
2.597.920 |
1.038.915 |
3.000.000 |
(1.961.085) |
2.009.778 |
(73.608) |
(146.418) |
-8,81% |
-9,1% |
-10,10% |
-7,29% |
|
53 |
BANK ARTHA GRAHA INTERNASIONAL |
26.127.820 |
26.747.246 |
3.389.031 |
3.000.000 |
389.031 |
3.290.812 |
(83.315) |
80.822 |
-0,73% |
0,39% |
4,02% |
3,19% |
|
54 |
BANK VICTORIA INTERNASIONAL |
23.659.941 |
24.113.196 |
2.078.799 |
3.000.000 |
(921.201) |
2.503.237 |
(174.553) |
118.150 |
-0,71% |
0,98% |
4,54% |
71,08% |
|
55 |
BANK OF INDIA INDONESIA |
4.255.494 |
4.883.181 |
2.003.395 |
3.000.000 |
(996.605) |
2.008.064 |
(200.885) |
9.639 |
-1,23% |
0,36% |
-3,93% |
0,64% |
|
56 |
BANK RESONA PERDANIA |
16.229.581 |
17.287.231 |
2.038.229 |
3.000.000 |
(961.771) |
5.002.320 |
(223.841) |
(32.601) |
-0,39% |
-0,36% |
-1,92% |
-1,17% |
|
57 |
BANK KB BUKOPIN SYARIAH |
6.220.221 |
7.389.406 |
1.015.962 |
3.000.000 |
(1.984.038) |
1.109.036 |
(226.528) |
9.495 |
-5,48% |
0,19% |
-23,16% |
1,17% |
|
58 |
BANK BJB SYARIAH |
10.358.849 |
11.150.921 |
1.108.652 |
3.000.000 |
(1.891.348) |
1.226.343 |
(325.551) |
59.403 |
0,96% |
0,96% |
8,00% |
6,85% |
|
59 |
BANK IBK INDONESIA |
14.286.910 |
16.630.906 |
2.902.185 |
3.000.000 |
(97.815) |
2.962.611 |
452.403 |
70.108 |
8,00% |
0,61% |
66,00% |
3,18% |
|
60 |
BANK MNC INTERNASIONAL |
14.015.360 |
15.348.185 |
2.041.755 |
3.000.000 |
(958.245) |
2.072.575 |
(584.457) |
57.507 |
18,00% |
0,70% |
94,00% |
3,74% |
|
61 |
BANK BANTEN |
8.849.611 |
7.765.608 |
1.503.370 |
3.000.000 |
(1.496.630) |
1.346.997 |
(887.309) |
(126.071) |
-2,94% |
-2,53% |
-2156,00% |
-11,19% |
|
62 |
BANK SEABANK INDONESIA |
11.038.817 |
23.161.026 |
2.358.707 |
3.000.000 |
(641.293) |
3.219.965 |
(1.015.584) |
13.933 |
-5,17% |
0,10% |
-18,02% |
0,05% |
|
63 |
BANK NEO COMMERCE |
11.337.809 |
15.997.559 |
2.754.751 |
3.000.000 |
(245.249) |
2.113.079 |
(1.076.983) |
(601.171) |
-13,71% |
-5,67% |
-84,61% |
-36,24% |
|
64 |
BANK J. TRUST INDONESIA |
21.317.575 |
30.064.470 |
2.208.402 |
3.000.000 |
(791.598) |
2.762.984 |
(1.159.936) |
85.060 |
-3,06% |
-0,44% |
-36,27% |
0,23% |
|
65 |
BANK PANAIN DUBAI SYARIAH |
14.426.005 |
14.252.036 |
2.082.126 |
3.000.000 |
(917.874) |
2.201.057 |
(1.752.810) |
169.007 |
-14,72% |
2,03% |
-31,76% |
10,49% |
|
66 |
BANK RAYA |
16.866.523 |
12.985.038 |
2.083.285 |
3.000.000 |
(916.715) |
2.076.291 |
(2.618.670) |
32.472 |
-8,50% |
1,06% |
-95,44% |
2,07% |
|
67 |
BANK QNB INDONESIA |
17.701.527 |
15.967.143 |
3.317.627 |
3.000.000 |
317.627 |
3.015.657 |
(2.770.903) |
(350.152) |
-4,93% |
-2,80% |
-54,71% |
-14,11% |
|
68 |
BANK KB BUKPOIN |
84.370.310 |
81.114.990 |
9.357.223 |
3.000.000 |
6.357.223 |
4.896.852 |
(4.870.422) |
(2.653.988) |
-4,98% |
-5,65% |
-36,01% |
-55,30% |
|
|
TOTAL |
9.653.188.824 |
9.926.229.516 |
1.335.640.594 |
297.000.000 |
1.026.193.810 |
1.353.245.970 |
624.025.076 |
150.320.966 |
|
|
|
|
|
|
RATA-RATA INDUSTRI |
97.506.958 |
100.264.945 |
13.491.319
|
3.000.000 |
10.365.594 |
13.669.151 |
6.303.284 |
1.518.394 |
1,21% |
1,19% |
-16,67% |
8,07% |
Ya kalau di berbagai negara dengan konsep kapitalis ya seperti itu suku bunga kredit/ KUR umumnya jangan sampai mendekati 0%. Bisa tombok perbankan kalau caranya seperti itu (cost of fund dan biaya operasionalnya ditanggung pihak perbankan). Prinsip ini boleh-boleh saja dengan pertimbangan premi resiko yang relatif lebih tinggi dari segmen korporat. Saya melihat wacana NIM/ net interest margin dan KUR 0% memang sangat berbau politis dibandingkan obyektivitas bisnis dan keuangan. Apalagi ini menjelang Pemilu 2024. Why, kenapa? Karena dalam pandangan pengalaman bisnis dan keuangan saya, permasalahan usaha ultra mikro paling minimalnya ada 3, bukan hanya 1 di permodalan. Apa saja itu? (a) permodalan, semisal KUR ini, (b) akses pasar, (c) jaminan closing pemasaran dengan likuditas DP didepan, (d) dan masih banyak kendala lainnya di lapangan yang bersifat kepastian pemasaran dan order driven.
Penutup. Mungkin net interest margin bagi saya diluar kontrol kita ya, sebagai pebisnis realistis akan lebih baik kita fokus ke kinerja sales untuk pengembangan dan modal bisnis. Dengan seperti itu kita tidak lagi tergantung kepada orang lain, tidak mudah diketprusi dibohongi orang-orang 'dg katanya' punya duit. Tolonglah diri anda sendiri dengan seperti itu anda akan lebih mampu menolong orang lain. Karena sesungguhnya didalam kesusahan ada kemudahan, didalam menanam akan memanen; yang penting jangan bakar amarah orang yang pernah sangat paham dan membantu anda saja kalau tidak ingin dibakar habis. Kalau istilah Jawa Timurannya, orang itu kalau diperlakukan baik pasti akan membalas kebaikan, tapi kalau sudah diperlakukan baik tapi justru menyakiti mungkin dia bukan orang. Omonganmu kui kaya telo, empuk tur seret.
Salam,
Bahrul Fauzi Rosyidi
Universitas Gadjah Mada, Yogyakarta
Tulisan dilindungi hak cipta!
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