Jelang Akhir Tahun Stabilitas Sektor Jasa Keuangan Tetap Terjaga

Intinews | Rapat Dewan Komisioner Bulanan Otoritas Jasa Keuangan (OJK) pada tanggal 1 Desember 2022 menilai stabilitas sektor jasa keuangan tetap terjaga dan kinerja intermediasi lembaga jasa keuangan (LJK) konsisten tumbuh meningkat, sehingga terus mendukung peningkatan kinerja perekonomian nasional di tengah tingginya ketidakpastian global.

Ketua OJK, Mahendra Siregar menjelaskan OJK mencatat sejumlah lembaga internasional seperti OECD memperkirakan ekonomi global akan tumbuh melambat di 2023 disebabkan oleh pengetatan kebijakan moneter global, tingginya harga komoditas energi dunia yang dipengaruhi tensi geopolitik, dan masih persistennya tingkat inflasi di level yang tinggi.

“Perlu dicermati perkembangan sektor-sektor yang memiliki porsi ekspor yang tinggi serta sektor padat modal yang akan lebih terdampak oleh kenaikan suku bunga”, ungkapnya, Selasa (6/12/2022).

Indikator perekonomian terkini menunjukkan kinerja ekonomi nasional masih cukup baik, terlihat dari neraca perdagangan yang terus mencatatkan surplus, Purchasing Managers Index (PMI) Manufaktur yang berada di zona ekspansi, dan indikator pertumbuhan konsumsi masyarakat yang masih solid.

Selain itu, optimisme masyarakat terhadap kondisi ekonomi juga masih positif. Bank Indonesia kembali meningkatkan suku bunga acuan sebesar 50 bps untuk menurunkan ekspektasi inflasi dan menjaga stabilitas nilai tukar. Namun demikian, laju pemulihan perekonomian maupun intermediasi sektor keuangan belum terlalu terdampak atas kenaikan suku bunga dimaksud.

Pasar saham hingga akhir November 2022 melemah 0,25 persen mtd ke level 7.081,31 dengan non-resident mencatatkan inflow sebesar Rp0,74 triliun mtd. Secara ytd, IHSG tercatat menguat sebesar 7,59 persen dengan non-resident membukukan net buy sebesar Rp81,49 triliun.

Di pasar obligasi, indeks pasar obligasi ICBI menguat 3,24 persen mtd dan 2,75 persen ytd ke level 341,96. Untuk pasar obligasi korporasi, aliran dana keluar investor non-resident tercatat sebesar Rp40 miliar (mtd) atau Rp530 miliar (ytd).

Di pasar SBN, non-resident mencatatkan inflow Rp23,70 triliun (mtd) sehingga mendorong penurunan yield SBN rata-rata sebesar 43,32 bps mtd di seluruh tenor. Secara ytdyield SBN telah meningkat rata-rata sebesar 57,54 bps di seluruh tenor dengan non-resident mencatatkan net sell sebesar Rp154,41 triliun.

Lebih lanjut, kinerja reksa dana mengalami penurunan tercermin dari penurunan Nilai Aktiva Bersih (NAB) sebesar 1,26 persen (mtd) di Rp 512,17 triliun dan tercatat net redemption sebesar Rp9,75 triliun (mtd). Secara ytd, NAB turun sebesar 11,46 persen dan masih tercatat net redemption sebesar Rp78,35 triliun, namun minat masyarakat untuk melakukan pembelian reksa dana masih tinggi ditandai nilai subscription sebesar Rp849,88 triliun.

Minat untuk penghimpunan dana di pasar modal masih terjaga tinggi, yaitu sebesar Rp226,49 triliun, dengan emiten baru tercatat sebanyak 61 emiten. “Di pipeline, masih terdapat 91 rencana Penawaran Umum dengan nilai sebesar Rp96,29 triliun dengan rencana Penawaran Umum oleh emiten baru sebanyak 57 perusahaan”, terangnya.

Sedangkan untuk penggalangan dana pada Securities Crowdfunding (SCF) yang merupakan alternatif pendanaan bagi UMKM, hingga 25 November 2022 telah terdapat 11 penyelenggara yang telah mendapatkan izin dari OJK dengan 314 Penerbit, 129.958 pemodal, dan total dana yang dihimpun sebesar Rp661,32 miliar.

Disektor perbankan, kredit perbankan pada Oktober 2022 tumbuh meningkat menjadi 11,95 persen yoy, utamanya ditopang oleh kredit investasi yang tumbuh sebesar 13,65 persen yoy. Adapun, secara mtm, nominal kredit perbankan naik sebesar Rp58,61 triliun menjadi Rp6.333,51 triliun. Sementara itu, Dana Pihak Ketiga (DPK) pada Oktober 2022 tercatat tumbuh 9,41 persen yoy menjadi Rp7.927 triliun, meningkat dari laju pertumbuhan bulan sebelumnya sebesar 6,77 persen yoy, utamanya didorong peningkatan giro.

Likuiditas industri perbankan pada Oktober 2022 dalam level yang memadai dengan rasio-rasio likuditas yang terjaga. Rasio Alat Likuid/Non-Core Deposit (AL/NCD) dan Alat Likuid/DPK (AL/DPK) masing-masing sebesar 130,17 persen (September 2022: 121,62 persen) dan 29,46 persen (September 2022: 27,35 persen), jauh di atas ambang batas ketentuan masing-masing sebesar 50 persen dan 10 persen.

Risiko kredit melanjutkan penurunan dengan rasio NPL net perbankan sebesar 0,78 persen (NPL gross: 2,72 persen). Di sisi lain, kredit restrukturisasi Covid-19 kembali mencatatkan penurunan sebesar Rp5,57 triliun menjadi Rp514,07 triliun dengan jumlah nasabah juga menurun menjadi 2,55 juta nasabah (September 2022: 2,63 juta nasabah).

Menurut dia, Posisi Devisa Neto (PDN) Oktober 2022 tercatat sebesar 2,01 persen, jauh di bawah threshold 20 persen. Capital Adequacy Ratio (CAR) industri Perbankan tercatat meningkat menjadi 25,13 persen dari posisi September 2022 yang sebesar 25,09 persen.

Sementara di sektor IKNB, akumulasi pendapatan premi sektor asuransi selama periode Januari sampai dengan Oktober 2022 mencapai Rp255,20 triliun, atau tumbuh sebesar 1,81 persen dibandingkan periode yang sama pada tahun sebelumnya. Demikian pula halnya dengan akumulasi premi asuransi umum yang tumbuh sebesar 16,93 persen yoy selama periode yang sama, hingga mencapai Rp97,78 triliun per Oktober 2022. Namun demikian, akumulasi premi asuransi jiwa terkontraksi sebesar -5,76 persen yoy dibanding periode sebelumnya, dengan nilai sebesar Rp157,42 triliun per Oktober 2022.

Namun demikian, akumulasi premi asuransi jiwa terkontraksi sebesar -5,76 persen yoy dibanding periode sebelumnya, dengan nilai sebesar Rp 157,42 triliun per Oktober 2022.

Nilai outstanding piutang pembiayaan tumbuh 12,17 persen yoy pada Oktober 2022 menjadi sebesar Rp 402,6 triliun, didukung pembiayaan modal kerja dan investasi yang masing-masing tumbuh sebesar 31,6 persen yoy dan 23,7 persen yoy.

Profil risiko Perusahaan Pembiayaan masih terjaga dengan rasio non performing financing (NPF) tercatat turun menjadi sebesar 2,54 persen. Sedangkan sektor dana pensiun tercatat mengalami pertumbuhan aset sebesar 4,20 persen yoy, dengan nilai aset mencapai Rp338,71 triliun.

Kinerja FinTech peer to peer (P2P) lending pada Oktober 2022 masih mencatatkan pertumbuhan dengan outstanding pembiayaan tumbuh sebesar 76,8 persen yoy, meningkat Rp 0,60 triliun menjadi Rp 49,34 triliun. Sementara itu, tingkat risiko kredit secara agregat (TWP90) tercatat menurun menjadi 2,90 persen. Namun demikian, OJK mencermati tren kenaikan risiko kredit dan penurunan kinerja di beberapa FinTech P2P Lending.

Sementara itu, permodalan di sektor IKNB terjaga dengan industri asuransi jiwa dan asuransi umum mencatatkan Risk Based Capital (RBC) sebesar 464,24 persen dan 313,71 persen. Meskipun RBC dalam tren yang menurun dan RBC beberapa perusahaan asuransi dimonitor ketat, namun secara agregat RBC industri asuransi masih berada di atas threshold sebesar 120 persen. Begitu pula pada gearing ratio perusahaan pembiayaan yang tercatat sebesar 2,01 kali atau jauh di bawah batas maksimum 10 kali. (sil)

 

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