Intinews | Selama masa pandemi Covid-19, pertumbuhan ekonomi melambat, khususnya di sektor riil akibat pembatasan kegiatan masyarakat untuk memutus mata rantai penyebaran virus SARS COV-2. Kebangkitan usaha mikro, kecil, dan menengah menjadi salah satu tumpuan utama pemulihan ekonomi nasional.
Untuk mengatasi kondisi tersebut, pemerintah menggulirkan program pemulihan ekonomi nasional (PEN), seiring sejalan dengan penanganan sektor kesehatan yang terkait kasus Covid-19. Sektor finansial dan moneter saling menyokong demi tetap berputarnya sektor riil, terutama UMKM sebagai penunjang perekonomian nasional. Hal itu mengingat serapan tenaga kerjanya yang besar serta amat beragam produknya.
Inklusi kelompok UMKM terus digenjot. Pemerintah memiliki beberapa program untuk mendukung pelaku UMKM bertahan di tengah Covid-19, antara lain, penempatan dana di bank, pembiayaan ultra mikro, subsidi bunga pinjaman, garansi modal kerja, hibah untuk usaha mikro, dan insentif PPh final.
Pemerintah pun terus mendorong para pelaku UMKM agar masuk ke layanan finansial berbasis digital maupun memasarkan produk-produk mereka di lokapasar (marketplace) digital.
Menteri Koperasi dan UKM Teten Masduki menargetkan 30 juta pelaku UMKM bisa bertransformasi ke ranah digital pada 2024. Saat ini, baru terdapat 8 juta pelaku UMKM tergabung di ekosistem digital dan 14,5 juta atau 22 persen populasi pelaku UMKM yang on boarding di platform pemasaran digital.
Tidak hanya pemerintah, BI pun mendukung pembiayaan UMKM dengan membuat kebijakan inklusif bagi pelaku UMKM nasional. Gubernur BI Perry Warjiyo mengumumkan bahwa pihaknya akan menerbitkan rasio pembiayaan inklusif makroprudensial (RPIM) untuk memperkuat peran UMKM dalam pemulihan ekonomi nasional. Menurut rencana, RPIM ini bakal berlaku sejak 1 September 2021.
Dijelaskan Perry Warjiyo, saat memaparkan hasil Rapat Dewan Gubernur BI, Kamis (19/8/2021), bahwa pembiayaan kredit inklusif untuk UMKM, bukan hanya kepada UMKM-nya, melainkan kepada berbagai pihak yang mendukung UMKM.
“Pembiayaan kepada pihak, lembaga, atau korporat yang kemudian mendukung UMKM, termasuk juga pembiayaan pribadi produktif seperti kredit pemilikan rumah (KPR),” tutur Gubernur BI.
Dengan begitu, melalui kebijakan RPIM, penyaluran kredit perbankan kepada UMKM bisa dilakukan secara langsung. Bagi bank yang bukan bergerak di bidang ritel dapat bermitra dengan pihak lain, seperti permodalan nasional madani (PNM), Pegadaian, dan badan layanan umum (BLU) dari pemerintah yang memang berkiprah di UMKM.
Sejauh ini, BI bersama Kementerian Keuangan sedang merumuskan sekuritas-sekuritas berharga untuk pembiayaan inklusif kepada UMKM tersebut atau disebut dengan Sekuritas Berharga untuk Pembiayaan Inklusif (SBPI). Artinya pembiayaan kepada UMKM bisa dalam bentuk kredit dan pembelian sekuritas.
“Bisa dalam bentuk SBN inklusif, SBSN inklusif, atau sukuk BI inklusif. Itu bank-bank tadi berpartisipasi dalam pembiayaan inklusif, selain penyaluran kredit secara langsung tapi juga pembelian atau partisipasi sekuritas-sekuritas untuk pembiayaan inklusif,” tukas Perry Warjiyo.
Hingga Agustus 2021, realisasi anggaran pemerintah untuk mendukung pengembangan UMKM dan korporasi terealisasi sebesar Rp48 triliun dari alokasi anggaran Rp184,83 triliun yang disiapkan untuk PEN pada 2021. Anggaran tersebut disalurkan berupa Bantuan Presiden untuk Usaha Mikro (BPUM) bagi 11,84 juta usaha, subsidi imbal jasa pinjaman (IJP) UMKM untuk 2,01 juta UMKM, serta IJP korporasi untuk 26 korporasi.
Dalam kurun waktu dua tahun terakhir ini, sektor UMKM juga memperoleh sokongan dari Kementerian BUMN melalui bank-bank anggota Himbara yang telah menyalurkan Kredit Usaha Rakyat (KUR) sebesar Rp341 triliun.
Bank BUMN juga telah melakukan restrukturisasi kredit untuk segmen UMKM dan korporasi dengan total Rp95 triliun sepanjang 2020 sampai dengan hingga Juli 2021. BRI misalnya, melakukan restrukturisasi kredit terdampak Covid-19 dengan nilai mencapai Rp175,16 triliun hingga akhir Juni 2021.
Selain itu, hingga akhir Juni 2021, BRI juga telah menyalurkan kredit kepada segmen UMKM dengan nominal mencapai Rp749 triliun atau setara 80,62 persen total kredit BRI.
Sementara itu, penempatan dana pada bank dengan total penyaluran kredit sejak 2020 mencapai Rp416,18 triliun bagi 5,3 juta debitur serta subsidi bunga KUR dan non-KUR bagi 4,45 juta debitur.
Realisasi ini merupakan bagian dari stimulus pemerintah dalam rangka memulihkan perekonomian nasional melalui penguatan UMKM agar bertahan di tengah pandemi Covid-19. (vv/*)
Very nice article and straight to the point. I am not sure if this
is truly the best place to ask but do you folks have any thoughts
on where to get some professional writers? Thx 🙂 Escape room lista
You have mentioned very interesting details! ps decent web site.!
I was looking through some of your articles on this website and
I think this web site is very informative! Keep on putting up.
Travel guide
Hi, I do think this is a great blog. I stumbledupon it 😉 I am going to revisit once again since I saved as a favorite it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.
Excellent post. I will be dealing with a few of these issues as well..
sugar defender ingredients As somebody that’s constantly been cautious regarding
my blood sugar level, locating Sugar Protector has actually been a relief.
I feel so much more in control, and my current examinations have actually shown favorable enhancements.
Recognizing I have a dependable supplement to sustain my routine
offers me comfort. I’m so grateful for Sugar Protector’s impact on my wellness!
sugar defender reviews
Casino’daki slot oyunlarında kazanmak için harika fırsatlar var, kesinlikle tavsiye ederim.
En sevdiğim slot oyunu Wild Toro, grafikler harika ve kazançlar inanılmaz!
Bu casino’daki slot oyunları ile büyük jackpotlar kazanmak gerçekten mümkün!
Having read this I believed it was extremely enlightening. I appreciate you taking the time and energy to put this short article together. I once again find myself personally spending way too much time both reading and leaving comments. But so what, it was still worthwhile!
Greetings! Very useful advice within this article! It’s the little changes that make the biggest changes. Thanks a lot for sharing!
bookmarked!!, I really like your site!
I like it when individuals come together and share views. Great site, stick with it.
After looking at a few of the articles on your web page, I truly like your technique of blogging. I book-marked it to my bookmark webpage list and will be checking back in the near future. Please check out my website as well and let me know how you feel.
Everything is very open with a very clear clarification of the issues. It was really informative. Your website is extremely helpful. Thanks for sharing!
I was pretty pleased to uncover this great site. I want to to thank you for your time for this fantastic read!! I definitely loved every part of it and i also have you saved as a favorite to check out new stuff in your blog.
This website was… how do you say it? Relevant!! Finally I have found something which helped me. Many thanks!
This blog was… how do I say it? Relevant!! Finally I’ve found something that helped me. Thanks.
Bu bahis sitesinin sunduğu deneme bonusu, yeni üyeler için harika bir fırsat!
I used to be able to find good info from your blog articles.
Bu casino’da yer alan slot oyunlarının grafikleri ve sesleri gerçekçi ve etkileyici.
I quite like reading through an article that can make people think. Also, thank you for allowing for me to comment.
Aw, this was an incredibly nice post. Finding the time and actual effort to produce a superb article… but what can I say… I put things off a whole lot and don’t manage to get anything done.
Bu casino’da slotlarda kazanç şansım çok yüksek, herkes denemeli.
An outstanding share! I have just forwarded this onto a co-worker who was doing a little homework on this. And he actually ordered me breakfast simply because I discovered it for him… lol. So let me reword this…. Thanks for the meal!! But yeah, thanks for spending the time to discuss this topic here on your site.
Can I simply say what a relief to find somebody who actually understands what they are talking about on the net. You definitely realize how to bring a problem to light and make it important. A lot more people ought to look at this and understand this side of the story. I was surprised you’re not more popular because you surely possess the gift.
Bu bahis sitesinin sunduğu deneme bonusu ile bedava Aviator oynayarak büyük ödüller kazandım!
Casino’nun sunduğu turnuvalar ile ekstra ödüller kazanmak çok keyifli.
Having read this I believed it was really enlightening. I appreciate you spending some time and effort to put this informative article together. I once again find myself spending a significant amount of time both reading and leaving comments. But so what, it was still worth it.
I was able to find good advice from your articles.
It’s nearly impossible to find educated people in this particular topic, but you seem like you know what you’re talking about! Thanks
This site was… how do you say it? Relevant!! Finally I have found something that helped me. Many thanks.
Yüksek bahislerle futbol bahislerinde devasa ödüller kazanmak çok keyifli!
Greetings! Very helpful advice within this post! It is the little changes which will make the most important changes. Thanks a lot for sharing!
Greetings! Very helpful advice within this article! It’s the little changes that will make the most important changes. Thanks for sharing!
Spot on with this write-up, I actually believe this site needs a great deal more attention. I’ll probably be back again to read more, thanks for the info.
Yüksek bahislerimle Razor Shark slotunda büyük kazançlar elde ettim!
You’re so awesome! I do not believe I’ve truly read anything like that before. So great to find somebody with original thoughts on this subject. Really.. thank you for starting this up. This site is one thing that’s needed on the web, someone with a little originality.
Simply wanna input that you have a very nice website , I enjoy the pattern it really stands out.
Spot lets start on this write-up, I honestly believe this amazing site requirements a great deal more consideration. I’ll apt to be again to learn to read additional, many thanks for that info.
Good blog you have here.. It’s hard to find excellent writing like yours these days. I really appreciate individuals like you! Take care!!
En sevdiğim slot oyunu Starburst, grafikler harika, kazançlar büyük!
Saved as a favorite, I like your web site.
When I originally commented I seem to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I receive four emails with the same comment. Perhaps there is a way you can remove me from that service? Kudos.
It’s hard to come by knowledgeable people in this particular subject, however, you sound like you know what you’re talking about! Thanks
Everyone loves it when people get together and share ideas. Great blog, continue the good work.