Terkuak, UMKM Mengadu Bank Kerap Minta Agunan Tambahan buat Utang KUR di Bawah Rp 100 Juta

 Jakarta Posko Bersama Aduan Credit Usaha Masyarakat (KUR) untuk aktor UMKM menyingkap bila beberapa bank penyalur tetap minta jaminan tambahan ke peminjam dengan plafon di bawah Rp 100 juta.

Posko ini dibuat adalah merupakan hasil kolaborasi di antara Kementerian Koperasi dan UKM (KemenKopUKM) dengan beberapa stakeholder.  King88bet

"Walau sebenarnya pada Permenko Sektor Ekonomi Nomor 1 Tahun 2023 mengenai Dasar Penerapan KUR jelas sudah disebut jika jaminan tambahan tidak diterapkan untuk KUR dengan plafon utang s/d Rp100 juta," kata Deputi Sektor Usaha Micro KemenKopUKM Yulius dalam info sah di Jakarta, Senin (2/10/2023).

Tindak lanjuti pengaduan itu, Deputi Yulius menjelaskan, penyalur KUR yang minta jaminan tambahan dengan plafon s/d Rp 100 juta akan dikenakan ancaman berbentuk bantuan marjin KUR tidak dibayar atau pengembalian bantuan bunga yang sudah d Tingkatkan Volume KUR, OJK Bentuk Sistem Klaster untuk UKM ibayar. king88bet login alternatif

"Untuk masalah pada jaminan yang masuk pada hotline kami, telah kami berikan secara langsung ke bank penyalur," katanya. king88bet login alternatif

Selainnya permasalahan pada jaminan, Yulius mengatakan, dari 71 pengaduan yang masuk pada hotline KemenKopUKM, sebagian besar bertanya mengenai Mekanisme Service Info Keuangan (SLIK) Kewenangan Jasa Keuangan (OJK) sampai publikasi yang dirasakan belum maksimal.

Terkuak, UMKM Mengadu Bank Kerap Minta Agunan Tambahan buat Utang KUR di Bawah Rp 100 Juta

Walau sebenarnya, KUR semestinya jadi pemecah masalah pendanaan untuk aktor UMKM, khususnya untuk mereka yang tidak mempunyai dana yang cukup hingga diharap warga bisa memaksimalkan akses KUR supaya sanggup menggerakkan daya saing upayanya.

Terdaftar pada 2023, plafon KUR sejumlah Rp297 triliun, di mana s/d 30 September 2023 telah tersalurkan sejumlah 59,17 % atau beberapa Rp175,73 triliun.

"Untuk suku bunga KUR untuk ultra micro dengan plafon optimal Rp10 juta diputuskan sejumlah 3 %, dan untuk KUR Micro dan KUR Kecil masih tetap sejumlah 6 % untuk debitur KUR baru," katanya.

Di kesempatan yang masih sama, anggota Ombudsman RI Dadan S Suharmawijaya mengatakan dari keseluruhan 80 diskusi warga dan 18 laporan, 53 % salah satunya menyampaikan berkaitan dengan masalah jaminan.

"Jika untuk UMKM peminjam yang diminta jaminan telah usai dengan peraturan yang terdapat, dari faksi perbankan juga kembalikan," bebernya.

Selanjutnya berkaitan keinginan info, 43 % warga tetap bertanya berkaitan tata langkah pengajuan KUR, hingga dibutuhkan publikasi yang intens ke warga.

Lokasi: Jakarta, Daerah Khusus Ibukota Jakarta, Indonesia

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