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Bunga Pinjol Masih Tinggi, OJK Bakal Rombak Aturan Suku Bunga Uzone.id – Bunga pinjaman online kembali menjadi sorotan Otoritas Jasa Keuangan (OJK) karena dinilai masih memberatkan masyarakat.
Meskipun batas bunga yang ditetapkan Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) mencapai 0,4 persen per hari bagi pinjaman online dengan tenor 90 hari, OJK mencatat ada dugaan fintech yang masih menetapkan bunga hingga 0,8 persen per hari.
Oleh karena itu, OJK akan mengatur kembali batasan tingkat suku bunga jasa layanan fintech peer-to-peer (P2P) lending atau platform pinjaman online.
Hal ini disampaikan oleh kepala Departemen Pengawasan Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan OJK Edi Setijawan pada Kamis lalu, (12/10).
“Ya, kami sedang menyiapkan aturan mengenai batasan-batasan (suku bunga),” kata Edi dikutip dari Antaranews, Senin, (16/10).
Aturan ini menjadi langkah OJK untuk menindaklanjuti oknum pinjol nakal yang masih menerapkan bunga tinggi, termasuk bunga 0,8 persen per hari.
Per 2022 kemarin, aturan AFPI menetapkan bunga 0,4 persen untuk pinjaman dengan tenor 3 bulan (90 hari), sementara untuk tenor yang lebih lama, bunga berkisar di 0,1 persen hingga 0,2 persen per harinya.
Edi menjelaskan kalau penetapan harga idealnya diserahkan kepada permintaan dan penawaran yang terjadi di pasar.
“Ketika kondisinya masih belum ideal, maka otoritas perlu melakukan intervensi untuk memastikan bahwa ada keadilan baik untuk borrower, lender maupun di platform,” tambahnya.
Edi pun terus menghimbau layanan pinjol untuk mematuhi batasan bunga yang telah ditetapkan oleh OJK.
Belum diketahui kapan aturan baru mengenai batasan bunga ini akan segera diterapkan namun Edi menegaskan kalau OJK sedang berusaha untuk melakukan ‘balancing’ dan menyiapkan batasan maksimal mengenai bunga pinjaman dalam waktu dekat.