{"id":15396,"date":"2026-05-22T11:16:05","date_gmt":"2026-05-22T04:16:05","guid":{"rendered":"https:\/\/portalutama.net\/index.php\/2026\/05\/22\/suku-bunga-bi-naik-simak-dampaknya-terhadap-kpr-deposito-dan-pasar-saham\/"},"modified":"2026-05-22T11:16:05","modified_gmt":"2026-05-22T04:16:05","slug":"suku-bunga-bi-naik-simak-dampaknya-terhadap-kpr-deposito-dan-pasar-saham","status":"publish","type":"post","link":"https:\/\/portalutama.net\/index.php\/2026\/05\/22\/suku-bunga-bi-naik-simak-dampaknya-terhadap-kpr-deposito-dan-pasar-saham\/","title":{"rendered":"Suku Bunga BI Naik, Simak Dampaknya terhadap KPR, Deposito, dan Pasar Saham"},"content":{"rendered":" \r\n<br><img decoding=\"async\" src=\"https:\/\/fajar.co.id\/wp-content\/uploads\/2025\/08\/WhatsApp-Image-2025-08-14-at-07.35.17.jpeg\" \/><br><div>\n\t\t\t\n<p class=\"wp-block-paragraph\">PORTALUTAMA.NET, JAKARTA \u2014 Bank Indonesia (BI) resmi menaikkan suku bunga acuan atau BI-Rate dari 4,75 persen menjadi 5,25 persen. Kebijakan tersebut diumumkan Gubernur Perry Warjiyo usai Rapat Dewan Gubernur (RDG) BI pada 19\u201320 Mei 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKenaikan ini merupakan langkah lanjutan untuk memperkuat stabilisasi nilai tukar rupiah dari dampak tingginya gejolak global akibat perang di Timur Tengah,\u201d ujar Perry Warjiyo dalam konferensi pers hasil RDG BI secara daring, Rabu (20\/5\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selain menjaga stabilitas rupiah, BI juga menegaskan bahwa kebijakan tersebut menjadi langkah preemptif untuk menjaga inflasi tetap terkendali.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cSerta sebagai langkah preemptif untuk menjaga inflasi pada tahun 2026 dan 2027 agar tetap berada di kisaran sasaran 2,5 plus minus 1 persen yang ditetapkan pemerintah,\u201d lanjutnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tak hanya BI-Rate, Bank Indonesia juga menaikkan suku bunga Deposit Facility sebesar 50 basis poin menjadi 4,25 persen. Sementara suku bunga Lending Facility naik 50 basis poin menjadi 6 persen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dampak Kenaikan Suku Bunga BI<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Stabilitas Nilai Tukar Rupiah<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kenaikan suku bunga acuan menjadi instrumen penting untuk menahan tekanan pelemahan rupiah terhadap dolar AS. Dengan bunga yang lebih tinggi, aset keuangan domestik menjadi lebih menarik bagi investor global.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Masuknya aliran modal asing (capital inflow) diharapkan dapat memperkuat cadangan devisa dan menjaga stabilitas pasar keuangan nasional.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Pengendalian Inflasi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Suku bunga tinggi bertujuan menekan laju inflasi, khususnya imported inflation atau inflasi akibat kenaikan harga barang impor. Kebijakan moneter ketat dilakukan untuk menjaga daya beli masyarakat dan kestabilan harga di pasar domestik.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Kredit Perbankan Berpotensi Lebih Mahal<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kenaikan BI-Rate biasanya diikuti peningkatan bunga kredit perbankan, termasuk Kredit Pemilikan Rumah (KPR), Kredit Kendaraan Bermotor (KKB), hingga pinjaman modal usaha.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dampaknya, masyarakat dan pelaku usaha yang bergantung pada pembiayaan akan menghadapi beban cicilan yang lebih tinggi.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Tekanan terhadap Pasar Saham<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kenaikan suku bunga acuan cenderung memberi sentimen negatif terhadap pergerakan Indeks Harga Saham Gabungan (IHSG). Investor umumnya mulai mengalihkan dana dari instrumen berisiko seperti saham ke deposito atau obligasi yang menawarkan imbal hasil lebih stabil.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dampak Lanjutan di Sektor Riil dan Keuangan<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">5. Risiko Kredit Bermasalah Meningkat<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kenaikan bunga pinjaman dapat memperbesar potensi kredit bermasalah atau Non-Performing Loan (NPL). Debitur, baik korporasi maupun rumah tangga, berisiko kesulitan membayar cicilan akibat lonjakan biaya pinjaman.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Perbankan diperkirakan akan memperketat manajemen risiko guna mengantisipasi potensi gagal bayar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Masyarakat Cenderung Menabung<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Suku bunga deposito yang lebih tinggi mendorong masyarakat mengalihkan dana ke instrumen simpanan berjangka. Fenomena ini dikenal sebagai deferred consumption atau penundaan konsumsi karena masyarakat memilih menyimpan uang demi mendapatkan imbal hasil lebih menarik.<\/p>\n<center\/>\t        \n\n\n\t\t\t<!-- .entry-footer -->\n\t\t<\/div>\r\n<br>\r\n<br><a href=\"https:\/\/fajar.co.id\/2026\/05\/22\/suku-bunga-bi-naik-simak-dampaknya-terhadap-kpr-deposito-dan-pasar-saham\/\">Source link <\/a>","protected":false},"excerpt":{"rendered":"<p>PORTALUTAMA.NET, JAKARTA \u2014 Bank Indonesia (BI) resmi menaikkan suku bunga acuan atau BI-Rate dari 4,75 persen menjadi 5,25 persen. Kebijakan<\/p>\n","protected":false},"author":2,"featured_media":15212,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[],"class_list":["post-15396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"magazineBlocksPostFeaturedMedia":{"thumbnail":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-150x150.jpeg","medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-300x200.jpeg","medium_large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-768x512.jpeg","large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17.jpeg","1536x1536":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17.jpeg","2048x2048":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17.jpeg","colormag-highlighted-post":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-392x272.jpeg","colormag-featured-post-medium":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-390x205.jpeg","colormag-featured-post-small":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-130x90.jpeg","colormag-featured-image":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-800x445.jpeg","colormag-default-news":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-150x150.jpeg","colormag-featured-image-large":"https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-1000x600.jpeg"},"magazineBlocksPostAuthor":{"name":"Redaksi","avatar":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g"},"magazineBlocksPostCommentsNumber":"0","magazineBlocksPostExcerpt":"PORTALUTAMA.NET, JAKARTA \u2014 Bank Indonesia (BI) resmi menaikkan suku bunga acuan atau BI-Rate dari 4,75 persen menjadi 5,25 persen. Kebijakan","magazineBlocksPostCategories":["News"],"magazine_blocks_featured_image_url":{"full":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17.jpeg",1000,667,false],"medium":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-300x200.jpeg",300,200,true],"thumbnail":["https:\/\/portalutama.net\/wp-content\/uploads\/2026\/05\/WhatsApp-Image-2025-08-14-at-07.35.17-150x150.jpeg",150,150,true]},"magazine_blocks_author":{"display_name":"Redaksi","author_link":"https:\/\/portalutama.net\/index.php\/author\/neno\/"},"magazine_blocks_comment":0,"magazine_blocks_author_image":"https:\/\/secure.gravatar.com\/avatar\/b7471c990eaf3bbb9eb8588768e7506fe3240b053ad738bae905f94f0ebd1eb0?s=96&d=mm&r=g","magazine_blocks_category":"<a href=\"https:\/\/portalutama.net\/index.php\/category\/news\/\" rel=\"category tag\">News<\/a>","_links":{"self":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/15396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/comments?post=15396"}],"version-history":[{"count":0,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/15396\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media\/15212"}],"wp:attachment":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/media?parent=15396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/categories?post=15396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/tags?post=15396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}