Jakarta, metroalor.com-
Stabilitas Sistem Keuangan (SSK) triwulan I tahun 2023 terus terjaga di tengah tantangan pasar keuangan global. Perkembangan positif ini ditopang koordinasi kebijakan yang ditempuh serta optimisme terhadap pemulihan ekonomi yang kuat seiring membaiknya berbagai indikator perekonomian dan sistem keuangan domestik. Menteri Keuangan, Gubernur Bank Indonesia (BI), Ketua Dewan Komisioner Otoritas Jasa Keuangan (OJK), dan Ketua Dewan Komisioner Lembaga Penjamin Simpanan (LPS) sebagaimana disepakati dalam rapat berkala KSSK II tahun 2023 pada Jumat (28/04) akan terus memperkuat koordinasi dan kewaspadaan terhadap perkembangan perekonomian dan risiko pasar keuangan global ke depan, termasuk risiko rambatannya pada perekonomian dan sektor keuangan domestik.
KSSK terus mencermati dinamika ekonomi global. Pertumbuhan ekonomi dunia tahun 2023 diprakirakan mencapai 2,6%, didorong oleh dampak positif pembukaan ekonomi Tiongkok pascapandemi Covid-19. Di tengah perkembangan tersebut, pasar tenaga kerja di AS dan Eropa tetap ketat sehingga mengakibatkan prospek penurunan inflasi global berjalan lambat dan mendorong berlanjutnya pengetatan kebijakan moneter di negara maju, meskipun diprakirakan sudah hampir mencapai puncaknya. Sementara itu, ketidakpastian pasar keuangan global menurun sejalan dengan respons bank sentral AS dan Eropa dalam memitigasi risiko kasus perbankan. Perkembangan ini mendorong aliran masuk modal asing dan penguatan nilai tukar di negara-negara berkembang, termasuk Indonesia.
Pertumbuhan ekonomi Indonesia tetap kuat. Pertumbuhan ekonomi Indonesia triwulan I 2023 tercatat sebesar 5,03% yoy, sedikit meningkat dibandingkan dengan pertumbuhan pada triwulan sebelumnya di level 5,01% yoy. Tetap kuatnya pertumbuhan ekonomi didukung oleh ekspor yang tetap tumbuh tinggi, konsumsi swasta yang membaik, konsumsi Pemerintah yang tumbuh positif, dan pertumbuhan invetasi nonbangunan yang tetap baik. Ke depan, pertumbuhan ekonomi diprakirakan tetap kuat. Prakiraan ini didukung konsumsi swasta yang diprakirakan makin baik seiring meningkatnya mobilitas, membaiknya keyakinan konsumen, dan menguatnya daya beli sebagai dampak dari penurunan inflasi. Investasi tetap berlanjut didukung oleh investasi nonbangunan yang tetap kuat sejalan dengan perbaikan konsumsi domestik dan dampak hilirisasi. Kinerja ekspor tetap kuat didorong oleh ekspor nonmigas yang tumbuh tinggi dengan negara tujuan utama Tiongkok, AS, dan Jepang. Dengan berbagai perkembangan tersebut, pertumbuhan ekonomi 2023 diprakirakan bias atas dalam kisaran proyeksi 4,5-5,3%.
Tekanan inflasi terus menurun. Inflasi Indeks Harga Konsumen (IHK) turun menjadi 4,33% yoy pada April 2023 dari 5,51% yoy pada Desember 2022. Inflasi inti terus melambat menjadi 2,83% yoy dipengaruhi ekspektasi inflasi dan imported inflation yang menurun, serta pasokan agregat yang memadai dalam merespons kenaikan permintaan. Sementara itu, inflasi volatile food tetap terkendali, sebesar 3,74% yoy. Berlanjutnya penurunan inflasi merupakan dampak positif kebijakan moneter BI yang pre-emptive dan forward looking, serta sinergi yang erat dalam pengendalian inflasi antara BI dan Pemerintah (Pusat dan Daerah), antara lain melalui penguatan Gerakan Nasional Pengendalian Inflasi Pangan (GNPIP) di berbagai daerah.
Berbagai upaya stabilisasi harga pangan menjelang Hari Besar Keagamaan Nasional (HBKN) Ramadan dan Lebaran yang dilakukan Pemerintah berkoordinasi dengan BI juga terbukti cukup efektif dalam menurunkan inflasi pangan. Upaya stabilisasi antara lain dilaksanakan dengan melalukan pemantauan harga, memperkuat stok pasokan berbagai bahan pangan pokok, memastikan kelancaran distribusi pasokan, serta melakukan intervensi harga seperti melalui operasi pasar, gelar pangan murah serta fasilitasi distribusi bekerja sama dengan BUMN Pangan dan Asosiasi Pedagang Pangan. Program tambahan bantuan pangan nasional juga mampu mengendalikan tekanan harga dan menjaga akses pangan pokok masyarakat sehingga turut mampu menjaga daya beli. Ke depan, inflasi diprakirakan tetap terkendali di mana inflasi inti diprakirakan terkendali dalam kisaran 3,0±1% di sisa tahun 2023 dan inflasi IHK dapat kembali ke dalam sasaran 3,0±1% lebih awal dari prakiraan sebelumnya.
Neraca Pembayaran Indonesia (NPI) tetap baik dan mendukung ketahanan eksternal. Transaksi berjalan triwulan I 2023 diprakirakan mencatat surplus ditopang surplus neraca perdagangan barang sebesar USD12,3 miliar, melanjutkan surplus selama 35 bulan berturutturut. Transaksi modal dan finansial diprakirakan juga mencatat surplus seiring aliran masuk modal asing dalam bentuk investasi portofolio yang mencatat net inflows USD4,7 miliar. Aliran masuk modal asing pada investasi portfolio terus berlanjut pada 2023 yang hingga 28 April 2023 mencatat net inflows USD1,4 miliar. Posisi cadangan devisa Indonesia akhir April 2023 juga tetap tinggi sebesar USD144,2 miliar, setara dengan pembiayaan 6,4 bulan impor, serta berada di atas standar kecukupan internasional sekitar 3 bulan impor. Dengan perkembangan tersebut, NPI 2023 diprakirakan mencatat surplus, dengan transaksi berjalan dalam kisaran surplus 0,4% sampai dengan defisit 0,4% dari PDB. Sementara, neraca transaksi modal dan finansial diprakirakan mencatat surplus yang lebih tinggi didukung aliran masuk modal asing dalam bentuk PMA dan investasi portofolio.
Nilai tukar Rupiah menguat sehingga mendukung stabilitas perekonomian. Secara ytd, nilai tukar Rupiah pada 28 April 2023 menguat 6,12%, lebih tinggi dibandingkan dengan apresiasi Baht Thailand (1,35%), Rupee India (1,10%), dan Peso Filipina (0,67%). Ke depan, penguatan nilai tukar Rupiah diprakirakan terus berlanjut didorong surplus transaksi berjalan dan berlanjutnya aliran masuk modal asing, sejalan dengan prospek pertumbuhan ekonomi domestik yang tinggi, inflasi yang rendah, serta imbal hasil aset keuangan domestik yang menarik.
Kinerja APBN sampai dengan triwulan I 2023 tetap positif. Hal ini ditandai dengan kinerja pendapatan negara yang tumbuh cukup tinggi dan realisasi belanja yang mampu menopang pemulihan ekonomi. Realisasi pendapatan negara selama triwulan I 2023 mencapai Rp647,15 triliun atau 26,27% dari target APBN dan tumbuh sebesar 28,98% yoy. Pada periode yang sama, penyerapan belanja negara mencapai Rp518,66 triliun (16,94% dari Pagu APBN). Posisi fiskal Pemerintah relatif kuat, tercermin dari surplus pada keseimbangan primer sebesar Rp228,76 triliun dan surplus keseimbangan fiskal sebesar Rp128,50 triliun, ekuivalen dengan 0,61% PDB.
Di tengah tren perlambatan ekonomi global dan moderasi harga komoditas, pendapatan negara masih terus kuat. Penerimaan perpajakan mencapai Rp504,48 triliun (24,95% dari target APBN) atau tumbuh 25,36% yoy. Realisasi PPN mencapai Rp185,70 triliun atau tumbuh 42,37% yoy, sementara PPh Nonmigas mencapai Rp225,95 triliun atau tumbuh 31,03%. Secara sektoral, kinerja penerimaan pajak yang masih kuat ditopang oleh penerimaan dari sektor industri pengolahan, jasa keuangan, dan transportasi yang tetap stabil. Di tengah moderasi harga komoditas global, penerimaan pajak dari sektor pertambangan masih mampu tumbuh signifikan (113,55%). Sementara itu, Realisasi PNBP mencapai Rp142,66 triliun (32,32% dari target APBN) atau tumbuh 43,75% yoy. Kinerja PNBP tersebut terutama ditopang oleh Penerimaan SDA nonmigas sebesar Rp44,28 triliun (tumbuh 194,04%) dan PNBP Lainnya Rp44,31 triliun (tumbuh 30,21%).
Realisasi Belanja Negara, sampai dengan triwulan I 2023 mencapai Rp518,66 triliun (16,94% dari pagu APBN) atau tumbuh 5,70% yoy. Kinerja belanja negara yang tumbuh positif tersebut ditopang oleh realisasi Belanja Pemerintah Pusat yang mencapai Rp347,23 triliun (15,46% dari pagu APBN) atau tumbuh 10,52% yoy. Sementara itu, realisasi Transfer ke Daerah mencapai Rp171,39 triliun atau 21,04% dari pagu APBN. Kinerja belanja negara tersebut mampu menjadi penopang tetap kuatnya kinerja ekonomi nasional. Secara langsung, peran belanja Pemerintah dalam PDB triwulan I 2023 yang baru dirilis oleh BPS tercermin pada pengeluaran konsumsi Pemerintah (PKP) yang tumbuh positif sebesar 3,99%. Secara tak langsung, peran belanja negara juga sangat krusial dalam menopang perekonomian nasional dengan menjaga daya beli masyarakat, melalui pengendalian harga maupun berbagai program bantuan sosial yang memberikan manfaat langsung bagi masyarakat sekaligus mendorong permintaan agregat.
Realisasi Pembiayaan Anggaran hingga triwulan I 2023 terjaga pruden, fleksibel, dan akuntabel sejalan dengan strategi pembiayaan tahun 2023. Pembiayaan utang melalui SBN dan pinjaman on track sesuai dengan strategi pembiayaan tahun 2023, terealisasi sebesar Rp224,79 triliun (32,28% Target). Pengadaan utang dilakukan secara hati-hati dengan mempertimbangkan kondisi pasar dan kas pemerintah, serta kebutuhan pembiayaan.
Di tengah dinamika perekonomian global yang masih dibayangi ketidakpastian, APBN 2023 dirancang sangat konservatif namun tetap memberikan ruang yang memadai untuk berperan sebagai shock absorber. Kinerja penerimaan APBN masih sesuai target meskipun dihadapkan pada tren moderasi harga komoditas global. Pemerintah masih akan mengoptimalkan peran APBN sebagai peredam gejolak global untuk menjaga momentum percepatan pertumbuhan ekonomi nasional. Guna mengatasi gejolak harga pangan di awal tahun 2023, berbagai upaya pengendalian harga terus dilakukan bersama-sama dengan BI. Pemerintah juga melakukan perluasan program perlindungan sosial. Bantuan yang diberikan berupa beras bagi 21,3 juta Keluarga Penerima Manfaat (KPM). Selain itu, untuk membantu masyarakat miskin dalam memenuhi kebutuhan gizi khususnya protein, diberikan bantuan berupa paket daging ayam dan telur bagi 1,4 juta KPM dengan balita stunting. Alokasi anggaran sebesar Rp8,2 triliun untuk bantuan pangan tersebut akan disalurkan di bulan Maret-Mei 2023.
Dalam perspektif jangka menengah-panjang, Pemerintah akan terus mendorong peran kebijakan fiskal dalam rangka peningkatan produktivitas dan akselerasi pertumbuhan ekonomi. Peran ini antara lain dilaksanakan melalui dukungan pada berbagai agenda reformasi struktural, penguatan kualitas SDM, percepatan pembangunan infrastruktur, serta perbaikan kualitas birokrasi dan regulasi guna menciptakan iklim investasi dan bisnis yang mempunyai daya saing tinggi.
BI terus memperkuat respons bauran kebijakan untuk menjaga stabilitas dan mendorong pertumbuhan ekonomi. Kebijakan moneter akan tetap difokuskan untuk menjaga stabilitas (pro-stability) sedangkan kebijakan makroprudensial, digitalisasi sistem pembayaran, pendalaman pasar uang, serta program ekonomi-keuangan inklusif dan hijau terus diarahkan untuk mendorong pertumbuhan (pro-growth).
Sejalan dengan arah bauran kebijakan tersebut, BI memperkuat kebijakan moneter melalui penguatan kebijakan suku bunga dan operasi moneter, kebijakan stabilisasi nilai tukar Rupiah, serta kecukupan cadangan devisa. BI menaikkan BI7DRR sebesar 25 bps menjadi 5,75% pada RDG Januari 2023, dan mempertahankan level BI7DRR tersebut pada RDG Februari-April 2023. Keputusan ini tetap konsisten dengan stance kebijakan moneter pre-emptive dan forward looking untuk memastikan terus berlanjutnya penurunan ekspektasi inflasi dan inflasi ke depan. BI meyakini bahwa BI7DRR sebesar 5,75% memadai untuk mengarahkan inflasi inti terkendali dalam kisaran 3,0±1% di sisa tahun 2023 dan inflasi IHK dapat kembali ke dalam sasaran 3,0±1% lebih awal dari prakiraan sebelumnya. Operasi moneter terus diperkuat untuk meningkatkan efektivitas transmisi kebijakan moneter. Kebijakan stabilisasi nilai tukar Rupiah juga terus diperkuat guna mengendalikan inflasi barang impor (imported inflation) dan memitigasi dampak rambatan ketidakpastian pasar keuangan global terhadap nilai tukar Rupiah, termasuk pengelolaan devisa hasil ekspor melalui implementasi Term Deposit valas Devisa Hasil Ekspor sesuai dengan mekanisme pasar.
BI melanjutkan kebijakan makroprudensial yang akomodatif, inklusif, dan berkelanjutan. BI melanjutkan relaksasi kebijakan makroprudensial untuk mendorong pertumbuhan ekonomi nasional, dengan mempertahankan: (i) rasio Countercyclical Capital Buffer (CCyB) sebesar 0%; (ii) Rasio Intermediasi Makroprudensial (RIM) pada kisaran 84-94%; serta (iii) rasio Penyangga Likuiditas Makroprudensial (PLM) sebesar 6% dengan fleksibilitas repo sebesar 6% dan rasio PLM Syariah sebesar 4,5% dengan fleksibilitas repo sebesar 4,5%.
BI juga memberlakukan peningkatan insentif kebijakan makroprudensial untuk mendorong pertumbuhan kredit/pembiayaan perbankan kepada sektor-sektor prioritas yang belum pulih, Kredit Usaha Rakyat (KUR) dan kredit/pembiayaan hijau sejak 1 April 2023. Besaran total insentif makroprudensial yang dapat diterima bank ditingkatkan dari sebelumnya paling besar 200 bps menjadi paling besar 280 bps. Total insentif tersebut terdiri dari insentif atas kredit/pembiayaan kepada sektor prioritas paling tinggi sebesar 1,5%; insentif atas penyaluran KUR dan kredit UMKM meningkat dua kali lipat menjadi paling tinggi sebesar 1%; dan insentif atas penyaluran kredit/pembiayaan hijau paling tinggi sebesar 0,3%. Selain itu, BI melakukan realokasi penerima insentif makroprudensial kepada kelompok subsektor Penopang Pemulihan (Slow Starter) dengan threshold pertumbuhan kredit/pembiayaan tetap rendah yaitu sebesar minimal 1% dan menaikkan threshold pertumbuhan kredit/pembiayaan untuk kelompok Penggerak Pertumbuhan (Growth Driver) dan kelompok Berdaya Tahan (Resilience) dari semula 1% menjadi masing-masing 3% dan 5%.
BI terus memperkuat digitalisasi sistem pembayaran nasional. Digitalisasi terus didorong guna meningkatkan efisiensi transaksi ekonomi dan keuangan, menjaga momentum pemulihan ekonomi pasca pandemi Covid-19, dan memperluas ekosistem Ekonomi dan Keuangan Digital (EKD) nasional. Upaya tersebut dicapai antara lain melalui perluasan transaksi QRIS, termasuk dengan implementasi kerja sama QR Indonesia-Malaysia, penguatan stabilitas sistem, perluasan fitur, dan akseptasi BI-FAST; pengimplementasian Kartu Kredit Pemerintah (KKP) domestik fisik berkoordinasi dengan Pemerintah dan Asosiasi Sistem Pembayaran Indonesia (ASPI); serta penyelenggaraan Festival Ekonomi dan Keuangan Digital Indonesia (FEKDI) pada tanggal 7-10 Mei 2023 di Jakarta bersama Kementerian Koordinator Bidang Perekonomian RI dan asosiasi industri sebagai bagian dari rangkaian kegiatan Keketuaan ASEAN 2023.
BI memperkuat kerja sama internasional dengan bank sentral dan otoritas negara mitra lainnya. BI juga memfasilitasi penyelenggaraan promosi investasi dan perdagangan di sektor prioritas yang bersinergi dengan instansi terkait. Selain itu, BI berkoordinasi dengan Kementerian/Lembaga terkait untuk menyukseskan Keketuaan ASEAN 2023, khususnya melalui jalur keuangan.
BI terus memperkuat koordinasi kebijakan dengan Pemerintah Pusat, Pemerintah Daerah, dan mitra strategis. Koordinasi dalam Tim Pengendalian Inflasi Pusat dan Daerah (TPIP dan TPID) terus dilanjutkan melalui penguatan program GNPIP di berbagai daerah.
Stabilitas sektor jasa keuangan tetap terjaga dengan kinerja intermediasi Lembaga Jasa Keuangan (LJK) yang meningkat didukung tingkat permodalan serta likuiditas yang memadai. Pada Maret 2023, pertumbuhan kredit perbankan mencapai 9,93% yoy, terutama ditopang kredit investasi yang tumbuh 11,40% yoy. Dana Pihak Ketiga (DPK) tumbuh 7,00% yoy, dengan giro dan deposito sebagai main driver pertumbuhan. Kondisi tersebut mendukung terjaganya likuiditas perbankan, antara lain tercermin dari Rasio Alat Likuid/Noncore Deposit (AL/NCD) dan Alat Likuid/DPK (AL/DPK) masing-masing sebesar 128,87% dan 28,91%, jauh di atas threshold 50% dan 10%. Selain itu, Liquidity Coverage Ratio (LCR) juga memadai, berada pada level 244,28% dan melampaui threshold 100%. Dari sisi permodalan, Capital Adequacy Ratio (CAR) tetap solid dan berada pada level 24,69%. Sementara itu, risiko kredit membaik dengan Nonperforming Loan (NPL) gross turun ke level 2,49% dan NPL net 0,72%. Selanjutnya, kredit restrukturisasi Covid-19 terus melanjutkan penurunan menjadi Rp405,42 triliun dengan jumlah debitur yang juga terus menurun menjadi 1,83 juta debitur.
Kinerja Industri Keuangan Nonbank (IKNB) juga terus menunjukkan perkembangan yang baik. Pendapatan premi asuransi komersial selama periode Januari s.d. Maret 2023 mencapai Rp78,50 triliun. Sementara itu, nilai outstanding piutang pembiayaan pada Maret 2023 tercatat sebesar Rp435,53 triliun (tumbuh 16,35% yoy) didorong oleh pembiayaan modal kerja dan investasi yang masing-masing tumbuh 34,25% dan 19,14%. Selanjutnya, profil risiko Lembaga Pembiayaan tetap terjaga dengan rasio Nonperforming Financing (NPF) yang stabil di level 2,37%. Sektor dana pensiun tercatat mengalami pertumbuhan aset sebesar 4,74% yoy dengan nilai aset mencapai Rp350,08 triliun. Permodalan di sektor IKNB juga terjaga dengan Risk Based Capital (RBC) asuransi jiwa dan asuransi umum dan reasuransi mencapai 460,06% dan 315,79%, berada di atas threshold 120%. Selain itu, gearing ratio perusahaan pembiayaan juga berada pada level 2,11 kali, berada jauh di bawah batas maksimum 10 kali.
Di pasar saham, IHSG per 28 April 2023 menguat 0,95% ytd didukung inflow investor nonresiden Rp18,91 triliun. Penghimpunan dana melalui pasar modal melanjutkan pertumbuhan yang baik. Hingga akhir April 2023 dana yang dihimpun tercatat sebesar Rp84,01 triliun dengan jumlah emiten baru tercatat sebanyak 33 emiten. Sementara pada pipeline, terdapat 115 rencana Penawaran Umum dengan nilai sebesar Rp135,31 triliun. Tren pertumbuhan jumlah investor juga terus berlanjut dengan jumlah investor pasar modal mencapai 10,88 juta investor per April 2023.
Mencermati kondisi ketidakpastian global yang tinggi, OJK terus mewaspadai dampak rambatan kondisi tersebut pada sektor jasa keuangan nasional. Meskipun dampak rambatan ke domestik relatif terbatas, langkah antisipatif tetap diperlukan untuk memitigasi dampak lebih jauh pada pertumbuhan ekonomi, intermediasi dan SSK. Dalam kerangka tersebut, OJK meminta perbankan untuk: Memastikan penerapan manajemen risiko dan tata kelola dalam setiap aktivitas bisnis dan lines of defense bank telah dilakukan dengan baik, khususnya dalam pengelolaan portofolio aset produktif dan pendanaan serta memperhatikan risiko konsentrasi yang berpotensi berdampak pada kinerja keuangan bank; Mengkaji recovery plan, dan/atau parameter rencana lainnya secara berkala dengan mempertimbangkan potensi risiko signifikan yang dihadapi oleh bank, serta mengomunikasikannya; Meningkatkan fungsi maupun peran Asset & Liability Committee dalam melakukan pengelolaan aset dan kewajiban bank serta mengidentifikasi potensi risiko melalui penyusunan skenario stress test yang komprehensif; Melakukan pemantauan terhadap portofolio aset dan liabilitas bank termasuk risiko konsentrasi pada pinjaman dan pendanaan; Memperkuat penerapan program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU & PPT).
Di sektor IKNB, OJK tengah menyempurnakan regulasi untuk memperkuat pengelolaan risiko dan kinerja underwriting pada lini usaha asuransi kredit. Penyempurnaan khususnya dilakukan pada lingkup pertanggungan produk asuransi yang dikaitkan dengan penyaluran kredit, kewajaran tarif premi, dan kewajiban untuk melakukan mitigasi risiko, antara lain melalui risk sharing dengan kreditur. Selain itu, OJK telah menerbitkan POJK Nomor 5 Tahun 2023 dan POJK Nomor 6 Tahun 2023 untuk mendorong peningkatan kesehatan keuangan perusahaan asuransi dan reasuransi, antara lain terkait batasan penempatan investasi pada pihak terkait dan bukan pihak terkait. Selanjutnya, OJK juga meminta lembaga pembiayaan untuk menjaga pemenuhan ketentuan ekuitas minimum sebagai buffer untuk mengantisipasi kondisi dinamika ekonomi global maupun domestik serta melakukan stress test dan sensitivity analysis secara berkala sebagai upaya preventif dalam mengantisipasi terjadinya skenario terburuk.
OJK berkomitmen untuk terus mendukung industri dalam negeri yang menjalankan program hilirisasi untuk mendapatkan pendanaan dari sektor jasa keuangan. Dalam hal ini, OJK telah memberikan persetujuan pernyataan pendaftaran penawaran umum (IPO) kepada 2 (dua) perusahaan nikel untuk mendapatkan pendanaan melalui pasar modal. Selain itu, untuk memperkuat SJK dan infrastruktur pasar, OJK telah menerbitkan penyempurnaan ketentuan tentang Reksa Dana berbentuk Kontrak Investasi Kolektif (POJK Nomor 4 tahun 2023). Selanjutnya, OJK akan merilis ketentuan terkait Penyelenggaraan Layanan Administrasi Prinsip Mengenali Nasabah (LAPMN) atau KYC administration agar proses KYC dan pengkinian data nasabah dapat dilakukan lebih efisien dan terpusat, serta meningkatkan integritas data pasar modal.
Dari penjaminan simpanan, jumlah rekening nasabah Bank Umum yang dijamin seluruh simpanannya oleh LPS per Maret 2023 adalah sebanyak 99,93% dari total rekening atau setara 510.872.846 rekening. LPS juga telah menetapkan Tingkat Bunga Penjaminan (TBP) untuk periode 1 Maret 2023 sampai dengan 31 Mei 2023 di level 4,25% untuk simpanan Rupiah dan 2,25% untuk simpanan valuta asing di Bank Umum, naik 25 bps dari bulan sebelumnya. Sementara itu, TBP untuk simpanan Rupiah di BPR juga diputuskan naik 25 bps ke level 6,75%. Keputusan tersebut sejalan dengan laju kenaikan suku bunga simpanan, upaya sinergi kebijakan program penjaminan simpanan dengan kebijakan moneter, serta antisipasi terhadap volatilitas pasar keuangan global. Ke depan, LPS secara berkelanjutan akan terus melakukan asesmen terhadap perkembangan kondisi perekonomian, perbankan, dan SSK sebagai dasar penetapan TBP.
Dari sisi penjaminan dan resolusi, kebijakan LPS akan tetap diarahkan untuk mendukung pemulihan ekonomi serta meningkatkan kepercayaan masyarakat terhadap perbankan dan menjaga SSK. Hal ini dilaksanakan dengan memonitor kecukupan cakupan penjaminan simpanan sesuai Undang-Undang LPS, memastikan efektivitas mekanisme early involvement dan koordinasi dengan anggota KSSK dalam resolusi, serta meningkatkan pemahaman masyarakat terhadap program Penjaminan LPS.
KSSK berkomitmen terus meningkatkan kewaspadaan dan koordinasi dalam mengantisipasi dinamika global terutama potensi rambatan pada domestik, termasuk memperkuat coordinated policy response untuk memitigasi berbagai risiko bagi perekonomian dan SSK.
Sebagai tindak lanjut diundangkannya Undang-Undang tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK), Pemerintah, BI, OJK, dan LPS berkomitmen menyelesaikan perumusan peraturan pelaksanaan UU P2SK secara kredibel. Selain itu, sosialisasi UU P2SK akan dilaksanakan dengan melibatkan berbagai pihak terkait, termasuk DPR RI, pelaku industri keuangan, dan masyarakat.
KSSK akan kembali menyelenggarakan rapat berkala pada bulan Juli 2023.***
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