{"id":6467,"date":"2022-09-28T09:23:22","date_gmt":"2022-09-28T02:23:22","guid":{"rendered":"https:\/\/www.linkqu.id\/?p=6467"},"modified":"2022-09-28T09:39:35","modified_gmt":"2022-09-28T02:39:35","slug":"bunga-pinjol-legal-ojk","status":"publish","type":"post","link":"https:\/\/www.linkqu.id\/en\/berita\/bunga-pinjol-legal-ojk\/","title":{"rendered":"Resmi! Berikut Bunga Pinjol Legal OJK 2022"},"content":{"rendered":"<p><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-6468\" src=\"https:\/\/www.linkqu.id\/wp-content\/uploads\/2022\/09\/Bunga-Pinjol-Legal-resmi-OJK-2022.jpg\" alt=\"Bunga-Pinjol-Legal-resmi-OJK-2022\" width=\"1080\" height=\"609\" title=\"\" srcset=\"https:\/\/www.linkqu.id\/wp-content\/uploads\/2022\/09\/Bunga-Pinjol-Legal-resmi-OJK-2022.jpg 1080w, https:\/\/www.linkqu.id\/wp-content\/uploads\/2022\/09\/Bunga-Pinjol-Legal-resmi-OJK-2022-18x10.jpg 18w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/><\/p>\n<p>Otoritas Jasa Keuangan (OJK) kembali memberi penegasan jika <a href=\"https:\/\/www.linkqu.id\/en\/\" target=\"_blank\" rel=\"noopener\">bunga pinjol legal<\/a> (Pinjaman Online) di Indonesia maksimal 0,4% perhari untuk pinjaman multi guna dan jangka pendek.<br \/>\nBunga pinjaman jangka pendek berarti berusia kurang dari 30 hari. Adapun bunga pinjol legal produktif di antara 12%-24%. Besaran bunga ini adalah persetujuan dari Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI).<\/p>\n<p>&#8220;Batas tingkat bunga fintech lending (pinjol) selama ini ditetapkan oleh AFPI maksimal 0,4% per hari. Dalam praktik, bunga ini untuk jenis pinjaman multiguna\/konsumtif dengan tenor pendek, misalnya kurang dari 30 hari. Sementara untuk pinjaman produktif, bunga sekitar 12-24% per tahun,&#8221;\u00a0\u00a0tutur Kepala Eksekutif Pengawas Industri Keuangan Nonbank <a href=\"https:\/\/id.wikipedia.org\/wiki\/Otoritas_Jasa_Keuangan\" target=\"_blank\" rel=\"noopener\">OJK<\/a>, Ogi Prastomiyono, dalam informasi resmi, Selasa (27\/9\/2022).<\/p>\n<p>&nbsp;<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 ez-toc-wrap-left-text counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.linkqu.id\/en\/berita\/bunga-pinjol-legal-ojk\/#Bunga_Pinjol_Legal_sudah_melalui_beragam_pertimbangan\" >Bunga Pinjol Legal sudah melalui beragam pertimbangan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.linkqu.id\/en\/berita\/bunga-pinjol-legal-ojk\/#Terbaru_102_Daftar_Pinjol_Legal_Pinjaman_Online_Resmi_OJK_2022\" >Terbaru, 102 Daftar Pinjol Legal (Pinjaman Online Resmi) OJK 2022<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Bunga_Pinjol_Legal_sudah_melalui_beragam_pertimbangan\"><\/span>Bunga Pinjol Legal sudah melalui beragam pertimbangan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Penentuan bunga maksimal 0,4% perhari oleh AFPI sudah melalui beragam pertimbangan. Hasil penelitian OJK tahun 2021 menghasilkan bunga baik maksimal sebesar 03% sampai 0,46% perhari, sudah termasuk beberapa biaya.<\/p>\n<p>OJK menekankan jika tidak ada pinjaman multi guna atau konsumtif dengan tenor panjang, misalkan satu tahun, yang selanjutnya dikenai bunga 0,4% perhari atau 146% \/tahun.<\/p>\n<p>Ogi Prastomiyono menambahkan untuk memberikan dukungan penetapan manfaat ekonomi (termasuk satu diantaranya bunga) yang memiliki sifat indikatif, sekarang ini sedang dilaksanakan pengkajian mendalam dan pembahasan dengan asosiasi.<\/p>\n<p>&#8220;Diharapkan kajian dan pembahasan dimaksud akan menghasilkan ketentuan yang menyeimbangkan kepentingan lender maupun borrower, sehingga dapat menjaga industri fintech lending yang sehat, kuat, dan berkelanjutan,&#8221;\u00a0\u00a0jelasnya.<\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Terbaru_102_Daftar_Pinjol_Legal_Pinjaman_Online_Resmi_OJK_2022\"><\/span>Terbaru, 102 Daftar Pinjol Legal (Pinjaman Online Resmi) OJK 2022<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Sesudah mengetahui bunga pinjol legal dari OJK dan beberapa cirinya, diharap <strong>masyarakat\u00a0utuk berhati-hati dalam melakukan pinjaman online, dengan memastikan perusahaan penyelenggara telah memperoleh izin resmi dr OJK<\/strong>. Berikut beberapa daftar pinjaman online \/ <a href=\"https:\/\/www.linkqu.id\/en\/berita\/daftar-pinjol-legal-2022\/\" target=\"_blank\" rel=\"noopener\">pinjol legal 2022<\/a> terbaru\u00a0yang dapat Anda jadikan pilihan.<\/p>\n<ol>\n<li>Danamas, PT Pasar Dana Pinjaman<\/li>\n<li>Investree, PT Investree Radhika Jaya<\/li>\n<li>Amartha, PT Amartha Mikro Fintek<\/li>\n<li>DOMPET Kilat, PT Indo Fin Tek<\/li>\n<li>Boost, PT Creative Mobile Adventure<\/li>\n<li>TOKO MODAL, PT Toko Modal MItra Usaha<\/li>\n<li>Modalku, PT Mitrausaha Indonesia Grup<\/li>\n<li>KTA KILAT, PT Pendanaan Teknologi Nusa<\/li>\n<li>Kredit Pintar, PT Kredit Pintar Indonesia<\/li>\n<li>Maucash, PT Astra Welab Digital Arta<\/li>\n<li>Finmas, PT Oriente Mas Sejahtera<\/li>\n<li>KlikA2C, PT Aman Cermat Cepat<\/li>\n<li>Akseleran, PT Akseleran Keuangan Inklusif Indonesia<\/li>\n<li>Ammana.id, PT Ammana Fintek Syariah<\/li>\n<li>PinjamanGO, PT Dana Pinjaman Inklusif<\/li>\n<li>KoinP2P, PT Lunaria Annua Teknologi<\/li>\n<li>Pohondana, PT Pohon Dana Indonesia<\/li>\n<li>MEKAR, PT Mekar Investama Sampoerna<\/li>\n<li>AdaKami, PT Pembiayaan Digital Indonesia<\/li>\n<li>ESTA KAPITAL FINTEK, PT Esta Kapital Fintek<\/li>\n<li>KREDITPRO, PT Tri Digi Fin<\/li>\n<li>FINTAG, PT Fintagra Homido Indonesia<\/li>\n<li>RUPIAH CEPAT, PT Kredit Utama Fintech Indonesia<\/li>\n<li>CROWDO, PT Mediator Komunitas Indonesia<\/li>\n<li>Indodana, PT Artha Dana Teknologi<\/li>\n<li>JULO, PT Julo Teknologi Finansial<\/li>\n<li>Pinjamwinwin, PT Progo Puncak Group<\/li>\n<li>DanaRupiah, PT Layanan Keuangan Berbagi<\/li>\n<li>Taralite, PT Indonusa Bara Sejahtera<\/li>\n<li>Pinjam Modal, PT Finansial Integrasi Teknologi<\/li>\n<li>ALAMI, PT Alami Fintek Sharia<\/li>\n<li>AwanTunai, PT Simplefi Teknologi Indonesia<\/li>\n<li>Danakini, PT Dana Kini Indonesia<\/li>\n<li>Siaga, PT Abadi Sejahtera Finansindo<\/li>\n<li>DANAMERDEKA, PT Intekno Raya<\/li>\n<li>EASYCASH, PT Indonesia Fintopia Technology<\/li>\n<li>PINJAMYUK, PT Kuaikuai Tech Indonesia<\/li>\n<li>FinPlus, PT Rezeki Bersama Teknologi<\/li>\n<li>UangMe, PT Uangme Fintek Indonesia<\/li>\n<li>PinjamDuit, PT Stanford Teknologi Indonesia<\/li>\n<li>DANA SYARIAH, PT Dana Syariah Indonesia<\/li>\n<li>BATUMBU, PT Berdayakan Usaha Indonesia<\/li>\n<li>Cashcepat, PT Artha Permata Makmur<\/li>\n<li>KlikUMKM, PT Pinjaman Kemakmuran Rakyat<\/li>\n<li>Pinjam Gampang, PT Kredit Plus Teknologi<\/li>\n<li>cicil, PT Cicil Solusi Mitra Teknologi<\/li>\n<li>lumbungdana, PT Lumbung Dana Indonesia<\/li>\n<li>360 KREDI, PT Inovasi Terdepan Nusantara<\/li>\n<li>Dhanapala, PT Semangat Gotong Royong<\/li>\n<li>Kredinesia, PT Kreditku Teknologi Indonesia<\/li>\n<li>Pintek, PT Pinduit Teknologi Indonesia<\/li>\n<li>ModalRakyat, PT Modal Rakyat Indonesia<\/li>\n<li>SOLUSIKU, PT Anugerah Digital Indonesia<\/li>\n<li>Cairin, PT Idana Solusi Sejahtera<\/li>\n<li>TrustIQ, PT Trust Teknologi Finansial<\/li>\n<li>KLIK KAMI, PT Harapan Fintech Indonesia<\/li>\n<li>Duha SYARIAH, PT Duha Madani Syariah<\/li>\n<li>Invoila, PT Sol Mitra Fintec<\/li>\n<li>Sanders One Stop Solution, PT Satustop Finansial Solusi<\/li>\n<li>DanaBagus, PT Dana Bagus Indonesia<\/li>\n<li>UKU, PT Teknologi Merlin Sejahtera<\/li>\n<li>KREDITO, PT Fintek Digital Indonesia<\/li>\n<li>AdaPundi, PT Info Tekno Siaga<\/li>\n<li>Lentera Dana Nusantara, PT Lentera Dana Nusantara<\/li>\n<li>Modal Nasional, PT Solusi Tekologi Finansial<\/li>\n<li>Komunal, PT Komunal Finansial Indonesia<\/li>\n<li>Restock.ID, PT Cerita Teknologi Indonesia<\/li>\n<li>TaniFund, PT Tani Fund Madani Indonesia<\/li>\n<li>Ringan, PT Ringan Teknologi Indonesia<\/li>\n<li>Avantee, PT Grha Dana Bersama<\/li>\n<li>Gradaa, PT Gradana Teknoruci Indonesia<\/li>\n<li>Danacita, PT Inclusive Finance Group<\/li>\n<li>IKI Modal, PT IKI Karunia Indonesia<\/li>\n<li>Ivoji, PT Finansia Aira Teknologi<\/li>\n<li>Indofund.id, PT Bursa Akselerasi Indonesia<\/li>\n<li>iGrow, PT iGrow Resources Indonesia<\/li>\n<li>Danai.id, PT Adiwisata Finansial Teknologi<\/li>\n<li>DUMI, PT Fidac Inovasi Teknologi<\/li>\n<li>LAHAN SIKAM, PT Lampung Berkah Finansial Teknologi<\/li>\n<li>Qaswa.id, PT Qazwa Mitra Hasanah<\/li>\n<li>KrediFazz, PT FinAccel Digital Indonesia<\/li>\n<li>Doeku, PT Doeku Peduli Indonesia<\/li>\n<li>Aktivaku, PT Aktivaku Investama Teknologi<\/li>\n<li>Danain, PT Mulia Inovasi Digital<\/li>\n<li>Indosaku, PT Sens Teknologi Indonesia<\/li>\n<li>Jembatan Emas, PT Akur Dana Abadi<\/li>\n<li>EDUFUND, PT Fintech Bina Bangsa<\/li>\n<li>GandengTangan, PT Kreasi Anak Indonesia<\/li>\n<li>PAPITUPI SYARIAH, PT Piranti Alphabet Perkasa<\/li>\n<li>BantuSaku, PT Smartec Teknologi Indonesia<\/li>\n<li>danabijak, PT Digital Micro Indonesia<\/li>\n<li>Danafix, PT Danafix Online Indonesia<\/li>\n<li>AdaModal, PT Solid Fintek Indonesia<\/li>\n<li>SamaKita, PT Sejahtera Sama Kita<\/li>\n<li>KawanCicil, PT Kawan Cicil Teknologi Utama<\/li>\n<li>CROWDE, PT Crowde Membangun Bangsa<\/li>\n<li>KlikCair, PT Klikcair Magga Jaya<\/li>\n<li>ETHIS, PT Ethis Fintek Indonesia<\/li>\n<li>SAMIR, PT Sahabat Mikro Fintek<\/li>\n<li>UATAS, PT Plus Ultra Abadi<\/li>\n<li>Asetku, PT Pintar Inovasi Digital<\/li>\n<li>Findaya, PT Mapan Global Reksa<\/li>\n<\/ol>\n<div id=\"gtx-trans\" style=\"position: absolute; left: 484px; top: 1350.23px;\">\n<div class=\"gtx-trans-icon\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Otoritas Jasa Keuangan (OJK) kembali memberi penegasan jika bunga pinjol legal (Pinjaman Online) di Indonesia maksimal 0,4% perhari untuk pinjaman multi guna dan jangka pendek. Bunga pinjaman jangka pendek berarti berusia kurang dari 30 hari. Adapun bunga pinjol legal produktif di antara 12%-24%. Besaran bunga ini adalah persetujuan dari Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI). [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6468,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"aside","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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