{"id":44267,"date":"2026-03-04T13:44:09","date_gmt":"2026-03-04T06:44:09","guid":{"rendered":"https:\/\/d-actual.id\/?p=44267"},"modified":"2026-03-04T13:44:09","modified_gmt":"2026-03-04T06:44:09","slug":"kinerja-industri-jasa-keuangan-lampung-2025-kredit-umkm-melambat-npl-tembus-rp15-triliun","status":"publish","type":"post","link":"https:\/\/d-actual.id\/index.php\/2026\/03\/04\/kinerja-industri-jasa-keuangan-lampung-2025-kredit-umkm-melambat-npl-tembus-rp15-triliun\/","title":{"rendered":"Kinerja Industri Jasa Keuangan Lampung 2025: Kredit UMKM Melambat, NPL Tembus Rp1,5 Triliun"},"content":{"rendered":"

Bandar Lampung – d-actual.id<\/strong><\/p>\n

Kinerja Industri Jasa Keuangan (IJK) di Provinsi Lampung sepanjang 2025 menunjukkan dinamika signifikan, khususnya pada sektor pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM).<\/p>\n

Hal tersebut disampaikan dalam pemaparan resmi Otoritas Jasa Keuangan Provinsi Lampung yang digelar di Ballroom Holiday Inn Hotel, Selasa (3\/3\/2026).<\/p>\n

Kepala OJK Provinsi Lampung, Otto Fitriandy, mengungkapkan bahwa meskipun penyaluran kredit UMKM masih tumbuh secara nominal, lajunya terus melambat dalam beberapa tahun terakhir.<\/p>\n

Berdasarkan data OJK, pertumbuhan kredit UMKM di Lampung menunjukkan tren penurunan sebagai berikut:<\/p>\n

2021: 15 persen<\/p>\n

2022: 14 persen<\/p>\n

2023: 9,56 persen<\/p>\n

2024: sekitar 5 persen<\/p>\n

2024\u20132025: melambat hingga 2,50 persen<\/p>\n

Perlambatan ini menjadi perhatian serius karena UMKM merupakan tulang punggung perekonomian daerah.<\/p>\n

Selain perlambatan kredit, OJK juga mencatat peningkatan signifikan pada kredit bermasalah atau Non Performing Loan (NPL) sektor UMKM.<\/p>\n

\u201cSecara nominal, NPL UMKM pada 2021 masih sekitar Rp850 miliar. Namun pada 2025 meningkat menjadi kurang lebih Rp1,5 triliun,\u201d ujar Otto.<\/p>\n

Kenaikan NPL ini membuat perbankan dan perusahaan pembiayaan lebih selektif dalam menyalurkan kredit karena profil risiko UMKM dinilai relatif tinggi.<\/p>\n

Hambatan Pembiayaan UMKM di Lampung<\/p>\n

OJK bersama Tim Percepatan Akses Keuangan Daerah (TPAKD) tengah mengidentifikasi berbagai faktor penyebab perlambatan pembiayaan UMKM.<\/p>\n

Hambatan tersebut berasal dari dua sisi:<\/p>\n

1. Dari Pelaku UMKM<\/p>\n

Perizinan usaha belum lengkap<\/p>\n

Kualitas kemasan produk kurang kompetitif<\/p>\n

Konsistensi mutu produk belum terjaga<\/p>\n

Keuangan usaha tidak dipisahkan dengan kebutuhan rumah tangga<\/p>\n

2. Dari Lembaga Keuangan<\/p>\n

Peningkatan risiko gagal bayar<\/p>\n

Kenaikan rasio NPL<\/p>\n

Pengetatan analisis kredit<\/p>\n

Pola Usaha \u201cSurvival\u201d Tingkatkan Risiko Gagal Bayar<\/p>\n

Menurut Otto, sebagian besar UMKM di Lampung masih menjalankan pola usaha bertahan hidup (survival). Pendapatan harian langsung digunakan untuk kebutuhan sehari-hari tanpa cadangan modal.<\/p>\n

Kondisi ini membuat UMKM sangat rentan terhadap gangguan eksternal seperti banjir atau perlambatan ekonomi.<\/p>\n

\u201cJika pedagang tidak bisa berjualan beberapa hari saja, modal langsung terpakai untuk kebutuhan hidup. Lebih dari 75 persen berpotensi kembali berutang untuk melanjutkan usaha,\u201d jelasnya.<\/p>\n

Situasi tersebut meningkatkan risiko gagal bayar dan berdampak pada kualitas kredit perbankan di Lampung.<\/p>\n

Untuk memperkuat sektor UMKM, OJK menilai diperlukan kolaborasi lintas sektor antara pemerintah daerah, Bank Indonesia, dinas koperasi, serta pelaku industri keuangan.<\/p>\n

Beberapa langkah strategis yang dinilai penting:<\/p>\n

Pelatihan manajemen keuangan UMKM<\/p>\n

Pemisahan keuangan usaha dan rumah tangga<\/p>\n

Peningkatan kualitas dan standarisasi produk<\/p>\n

Penguatan akses pembiayaan yang berkelanjutan<\/p>\n

Otto menegaskan bahwa penguatan manajemen keuangan harus berjalan beriringan dengan peningkatan kualitas produk agar UMKM mampu membangun kepercayaan pasar dan naik kelas.<\/p>\n

Perlambatan kredit UMKM dan kenaikan NPL menjadi tantangan serius bagi sektor jasa keuangan di Lampung. Namun dengan sinergi yang tepat, UMKM tetap memiliki peluang besar untuk tumbuh dan menjadi motor ekonomi daerah.<\/p>\n

Kinerja IJK Lampung 2025 ini menjadi refleksi penting untuk memperkuat stabilitas sistem keuangan sekaligus memperluas akses pembiayaan yang sehat dan berkelanjutan bagi pelaku UMKM. (*\/RS)<\/p>\n","protected":false},"excerpt":{"rendered":"

Bandar Lampung – d-actual.id Kinerja Industri Jasa Keuangan (IJK) di Provinsi Lampung sepanjang 2025 menunjukkan dinamika signifikan, khususnya pada sektor pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM). Hal tersebut disampaikan dalam pemaparan resmi Otoritas Jasa Keuangan Provinsi Lampung yang digelar di Ballroom Holiday Inn Hotel, Selasa (3\/3\/2026). Kepala OJK Provinsi Lampung, Otto Fitriandy, mengungkapkan bahwa […]<\/p>\n","protected":false},"author":1,"featured_media":44268,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21],"tags":[515],"class_list":["post-44267","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bandar-lampung","tag-presisiastacitatipidkor"],"yoast_head":"\nKinerja Industri Jasa Keuangan Lampung 2025: Kredit UMKM Melambat, NPL Tembus Rp1,5 Triliun - d-actual.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/d-actual.id\/index.php\/2026\/03\/04\/kinerja-industri-jasa-keuangan-lampung-2025-kredit-umkm-melambat-npl-tembus-rp15-triliun\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kinerja Industri Jasa Keuangan Lampung 2025: Kredit UMKM Melambat, NPL Tembus Rp1,5 Triliun - d-actual.id\" \/>\n<meta property=\"og:description\" content=\"Bandar Lampung – d-actual.id Kinerja Industri Jasa Keuangan (IJK) di Provinsi Lampung sepanjang 2025 menunjukkan dinamika signifikan, khususnya pada sektor pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM). Hal tersebut disampaikan dalam pemaparan resmi Otoritas Jasa Keuangan Provinsi Lampung yang digelar di Ballroom Holiday Inn Hotel, Selasa (3\/3\/2026). 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Hal tersebut disampaikan dalam pemaparan resmi Otoritas Jasa Keuangan Provinsi Lampung yang digelar di Ballroom Holiday Inn Hotel, Selasa (3\/3\/2026). 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