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Cegah Overleveraging, OJK Tetapkan Limit Pinjol 30% Gaji

Cegah Overleveraging, OJK Tetapkan Limit Pinjol 30% Gaji

Otoritas Jasa Keuangan (OJK) telah menetapkan regulasi baru yang membatasi total cicilan pinjaman online (pinjol) maksimal 30% dari penghasilan bersih bulanan untuk mencegah overleveraging dan perilaku "gali lubang tutup lubang". Kebijakan ini mulai berlaku penuh pada 2026, menurunkan dari batas sebelumnya 40% pada 2025, dengan tujuan melindungi konsumen dari risiko kredit macet.

Tujuan Regulasi

Regulasi ini memastikan kemampuan bayar peminjam dengan mengukur penghasilan melalui slip gaji atau mutasi rekening, sehingga pinjol legal hanya memberikan limit sesuai kapasitas. OJK juga mengharapkan penurunan angka kredit macet di industri fintech lending.

Contoh Perhitungan

Jika gaji bulanan Rp10 juta, total cicilan semua utang (termasuk pinjol) tidak boleh melebihi Rp3 juta. Pinjol resmi wajib cek SLIK OJK untuk skor kredit sebelum approve limit.

Dampak bagi Peminjam

Konsumen diuntungkan dengan pengelolaan utang lebih sehat, meski jumlah borrower potensial berkurang. Pastikan pinjol terdaftar OJK (sekitar 96 perusahaan per 2025) untuk hindari ilegal.

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