![](\"https:\/\/fajar.co.id\/wp-content\/uploads\/2025\/08\/WhatsApp-Image-2025-08-14-at-07.35.17.jpeg\")
PORTALUTAMA.NET, JAKARTA \u2014 Pengamat Mata Uang dan Komoditas, Ibrahim Assuaibi, menilai Bank Indonesia (BI) mestinya tak menaikkan suku bunga acuan atau BI rate. Apalagi sudah tiga kali dilakukan, dalam kurun kurang sebulan.<\/p>\n\n\n\n
Dikethui, BI telah menaikkan suku bunga pada Mei 2026 sebesar 50 basis poin, kemudian 25 poin awal Juni 2026, dan 25 basis poin baru-baru ini, 18 Juni 2026. Totalnya 100 basis poin.<\/p>\n\n\n\n
\u201cHarusnya menurunkan suku bunga, bukan menaikkan. Karena Selat Hormuz sudah dibuka, kemudian harga minyak sudah stabil,\u201d kata Ibrahim saat dihubungi fajar.co.id, Kamis (18\/6\/2026).<\/p>\n\n\n\n
Karenanya, dia mengaku tak setuju dengan kenaikan suku bunga tersebut. Mengingat kenaikan 100 basis poin tidak sedikit.<\/p>\n\n\n\n
\u201cHarus diingat bahwa kalau seandainya Bank Indonesia menaikkan suku bunga sekarang sudah 100 basis poin, ya 1 persen berarti suku bunga obligasi tenor 10 tahun kemungkinan besar bukan lagi 7,4, bisa saja akan naik menjadi 8 persen,\u201d paparnya.<\/p>\n\n\n\n
Jika itu terjadi, kata Ibrahim, Indonesia akan mencetak rekor.<\/p>\n\n\n\n
\u201cObligasi Indonesia ini tertinggi di dunia,\u201d terangnya.<\/p>\n\n\n\n
Ibrahim menjelaskan, dampak langsung kenaikan suku bunga tidak hanya menaikkan deposito tetapi juga bunga kredit.<\/p>\n\n\n\n
\u201cPasti akan naik. Karena kan di situ kan pada saat suku bunga dinaikkan, suku bunga facility juga naik, suku bunga kredit juga naik, ya kan, deposito pun juga naik,\u201d jelas Ibrahim.<\/p>\n\n\n\n
Menurut Ibrahim, mengingat suku bunga saat ini 5,75 persen, berarti kenaikan deposito bisa 6 sampai 6,5 persen. Sehingga kemungkinan bunga di bank pemerintah dan swasta mencapai 6 persen.<\/p>\n\n\n\n
\u201cMungkin bank pemerintah di 6 persen, bank swasta mungkin di 6,5 atau 6, 6,25 atau 6,5 persen. Nah, sehingga apa? Suku bunga kredit kemungkinan besar di atas 10 persen,\u201d papar Ibrahim.<\/p>\n\n\n\n
Biasanya, kata dia, suku bunga kredit dua kali lipat. Sehingga jika mematok 6,5 persen, bisa mencapai 13 hingga 15 persen.<\/p>\n\n\n\n
\u201cSehingga ini mencekik ya bagi para pengusaha, bagi masyarakat yang mereka sedang mencicil rumah atau apartemen,\u201d imbuhnya.<\/p>\n\n\n\n
Kalau itu terjadi, Ibrahim bilang, daya beli pasti turun.<\/p>\n\n\n\n
\u201cPasti turun. Daya beli masyarakat pasti akan mengalami penurunan. Itu sudah pasti, ya,\u201d terang Ibrahim.<\/p>\n\n\n\n
Sebagai informasi, Bank Indonesia (BI) mengambil langkah agresif demi menyelamatkan nilai tukar rupiah dengan menaikkan suku bunga acuan (BI-Rate) sebesar 25 basis poin (bps) menjadi 5,75%. Namun, kebijakan “obat pahit” ini dipastikan bakal memukul kantong masyarakat lewat kenaikan bunga cicilan, mulai dari KPR hingga kredit kendaraan.<\/p>\n\n\n\n
Ekonom Senior INDEF, Tauhid Ahmad, menegaskan bahwa perbankan akan langsung merespons keputusan BI ini dengan mengerek suku bunga simpanan dan pinjaman. Akibatnya, biaya dana (cost of fund) perbankan otomatis membengkak.<\/p>\n PORTALUTAMA.NET, JAKARTA \u2014 Pengamat Mata Uang dan Komoditas, Ibrahim Assuaibi, menilai Bank Indonesia (BI) mestinya tak menaikkan suku bunga acuan<\/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-18133","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 Pengamat Mata Uang dan Komoditas, Ibrahim Assuaibi, menilai Bank Indonesia (BI) mestinya tak menaikkan suku bunga acuan","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":"News<\/a>","_links":{"self":[{"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/18133","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=18133"}],"version-history":[{"count":0,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/posts\/18133\/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=18133"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/categories?post=18133"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/portalutama.net\/index.php\/wp-json\/wp\/v2\/tags?post=18133"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
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