Impact to Banking If BI Raise Interest Rate of Reference.
Governor of Bank Indonesia (BI) Agus Martowardojo said it is ready to adjust the benchmark interest rate if economic conditions including the rupiah exchange rate have a negative impact on the stability of the financial system.
What is the impact to banking if BI raises BI reference rate 7-Days Reverse Repo Rate.
If BI 7-Days Reverse Repo Rate (BI-7DRRR) is raised, the possibility of credit growth will be disrupted. In fact, the rise in BI-7DRRR is more influential on the ratio of bad debts, said Binaartha Parama Sekuritas analyst Muhammad Nafan Aji.
According to him, the increase in BI reference rate is not the main factor that can affect banking performance. Because the banks can make policies to overcome the risk ratio of bad loans.
In addition, if BI's interest rate is raised, it will not have a direct impact on the banking sector, due to lagging periods so that the interest on deposits and bank loans will not be directly raised.
Gubernur Bank Indonesia (BI) Agus Martowardojo mengatakan bahwa pihaknya siap menyesuaikan tingkat suku bunga acuan apabila kondisi ekonomi termasuk nilai tukar rupiah memiliki dampak buruk terhadap stabilitas sistem keuangan.
Apa dampak ke perbankan jika BI menaikan suku bunga acuan BI 7-Days Reverse Repo Rate.
“Jika BI 7-Days Reverse Repo Rate (BI-7DRRR) dinaikkan, kemungkinan pertumbuhan kredit akan terganggu. Sebenarnya, kenaikan BI-7DRRR lebih berpengaruh terhadap rasio kredit macet,” kata Analis Binaartha Parama Sekuritas, Muhammad Nafan Aji.
Menurutnya, kenaikan suku bunga acuan BI bukan faktor utama yang dapat mempengaruhi kinerja perbankan. Pasalnya, pihak perbankan dapat membuat kebijakan-kebijakan untuk mengatasi risiko rasio kredit macet.
Selain itu, jika suku bunga acuan BI dinaikkan, maka tidak akan berdampak langsung terhadap sektor perbankan, karena adanya “lagging period” sehingga bunga simpanan dan pinjaman perbankan tidak akan langsung dinaikkan.
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