{"id":4458,"date":"2025-10-31T02:09:44","date_gmt":"2025-10-31T02:09:44","guid":{"rendered":"https:\/\/gumikbali.co.id\/?p=4458"},"modified":"2025-10-31T02:09:45","modified_gmt":"2025-10-31T02:09:45","slug":"catatan-dari-rural-bank-dialogue-2025","status":"publish","type":"post","link":"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/","title":{"rendered":"Catatan dari \u201cRural Bank Dialogue 2025\u201d"},"content":{"rendered":"\n<p>OLeh: D.Wijaya<\/p>\n\n\n\n<p>\u201c<em>Rural Bank Dialogue<\/em> 2025\u201d yang diselengarakan Lembaga Penjamin Simpanan (LPS) pada 28\/10\/2025,&nbsp; di Padma Legian Resort Legian, Badung-Bali, menghadirkan pengurus BPR\/BPRS di Seluruh Bali. Hadir Kepala Kantor Perwakilan LPS II, Bambang S. Hidayat, dalam sambutannya menyebut, \u201cantusiasme peserta, sebagai gambaran kuat LPS hadir untuk membangun dan memperkuat industri BPR\/BPRS,\u201d katanya. Disebutkan juga bahwa <em>Rural Bank Dialogue<\/em> hari ini memenuhi permintaan industri, DPD Perbarindo Bali untuk membahas pengalihan hak tagih piutang, cesie,\u201d tambahnya.<\/p>\n\n\n\n<p>LPS menilai bahwa perkembangan kondisi industri BPR\/BPRS di Bali, khususnya kredit dan Dana Pihak Ketiga BPRK masih menunjukkan tren yang positif, sedangkan pertumbuhan pembiayaan dan DPK BPRS mengalami kontraksi secara tahunan. Dijelaskan juga sektor perdagangan memiliki porsi NPL\/NPF tertinggi yaitu 29,21% dari total NPL\/NPF kredit\/pembiayaan BPR\/BPRS secara nasional.<\/p>\n\n\n\n<p>Tren peningkatan Gross NPL\/NPF BPR\/BPRS terjadi pasca relaksasi restrukturisasi telah berakhir pada Maret 2024. Hal ini mengindikasikan pemulihan kondisi debitur BPR\/BPRS, dalam hal ini segmen UMKM, masih membutuhkan waktu dan penanganan lebih lanjut. Penyisihan kerugian atas kredit bermasalah di BPR\/BPRS yang tercermin pada coverage CKPN terhadap NPL dan NPF masih relatif rendah yakni sebesar 29,21% (BPR) dan 24,89% (BPRS-Sep25).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"587\" src=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/8fd69074-2686-4227-a25c-b95c00604e3c-1024x587.webp\" alt=\"\" class=\"wp-image-4460\" srcset=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/8fd69074-2686-4227-a25c-b95c00604e3c-1024x587.webp 1024w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/8fd69074-2686-4227-a25c-b95c00604e3c-300x172.webp 300w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/8fd69074-2686-4227-a25c-b95c00604e3c-768x441.webp 768w, https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/8fd69074-2686-4227-a25c-b95c00604e3c.webp 1377w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Penerapan tata kelola dan pengelolaan risiko yang masih harus ditingkatkan* disamping upaya pemenuhan kebutuhan SDM baik dari segi kuantitas maupun kompetensi. Hal ini tercermin dari banyaknya kasus fraud dan kredit macet pada BPR\/BPRS yang dilakukan CIU.<\/p>\n\n\n\n<p>Pada sesi diskusi, penulis menyampaikan usulan, \u201cbagaimana jika LPS hadir lebih awal jauh sebelum Bank ditutup, dengan cara mengambil alih kredit-kredit bermasalah, macet, melalui unit asset manajemen, cessie misalnya, hal ini tentu akan menyelamatkan industri, tidak ada lagi yang ditutup ijin usahanya.\u201d (D.Wijaya\/gumikbali.co.id)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>OLeh: D.Wijaya \u201cRural Bank Dialogue 2025\u201d yang diselengarakan Lembaga Penjamin Simpanan (LPS) pada 28\/10\/2025,&nbsp; di Padma Legian Resort Legian, Badung-Bali, menghadirkan pengurus BPR\/BPRS di Seluruh Bali. Hadir Kepala Kantor Perwakilan LPS II, Bambang S. Hidayat, dalam sambutannya menyebut, \u201cantusiasme peserta, sebagai gambaran kuat LPS hadir untuk membangun dan memperkuat industri BPR\/BPRS,\u201d katanya. Disebutkan juga bahwa [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":4459,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-4458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bpr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Catatan dari \u201cRural Bank Dialogue 2025\u201d - GUMIK BALI<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Catatan dari \u201cRural Bank Dialogue 2025\u201d - GUMIK BALI\" \/>\n<meta property=\"og:description\" content=\"OLeh: D.Wijaya \u201cRural Bank Dialogue 2025\u201d yang diselengarakan Lembaga Penjamin Simpanan (LPS) pada 28\/10\/2025,&nbsp; di Padma Legian Resort Legian, Badung-Bali, menghadirkan pengurus BPR\/BPRS di Seluruh Bali. Hadir Kepala Kantor Perwakilan LPS II, Bambang S. Hidayat, dalam sambutannya menyebut, \u201cantusiasme peserta, sebagai gambaran kuat LPS hadir untuk membangun dan memperkuat industri BPR\/BPRS,\u201d katanya. Disebutkan juga bahwa [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"GUMIK BALI\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-31T02:09:44+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-31T02:09:45+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/dc63b50c-2aca-4c77-8709-01aa19867c5e.webp\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"Gumik Bali\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/gumikbali.co.id\/#website\",\"url\":\"https:\/\/gumikbali.co.id\/\",\"name\":\"GUMIK BALI\",\"description\":\"Gerakan Usaha Mikro Kecil\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/gumikbali.co.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"id\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/#primaryimage\",\"url\":\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/dc63b50c-2aca-4c77-8709-01aa19867c5e.webp\",\"contentUrl\":\"https:\/\/gumikbali.co.id\/wp-content\/uploads\/2025\/10\/dc63b50c-2aca-4c77-8709-01aa19867c5e.webp\",\"width\":1280,\"height\":960},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/#webpage\",\"url\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/\",\"name\":\"Catatan dari \u201cRural Bank Dialogue 2025\u201d - GUMIK BALI\",\"isPartOf\":{\"@id\":\"https:\/\/gumikbali.co.id\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/#primaryimage\"},\"datePublished\":\"2025-10-31T02:09:44+00:00\",\"dateModified\":\"2025-10-31T02:09:45+00:00\",\"author\":{\"@id\":\"https:\/\/gumikbali.co.id\/#\/schema\/person\/b25416e02b48c60e861166b2870f0f70\"},\"breadcrumb\":{\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/#breadcrumb\"},\"inLanguage\":\"id\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Beranda\",\"item\":\"https:\/\/gumikbali.co.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Catatan dari \u201cRural Bank Dialogue 2025\u201d\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/gumikbali.co.id\/#\/schema\/person\/b25416e02b48c60e861166b2870f0f70\",\"name\":\"Gumik Bali\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\/\/gumikbali.co.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ec2b69d8314de95572cbe1e96987b1a17db9ba3ba7882249f80b3b90b412ec3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ec2b69d8314de95572cbe1e96987b1a17db9ba3ba7882249f80b3b90b412ec3?s=96&d=mm&r=g\",\"caption\":\"Gumik Bali\"},\"sameAs\":[\"https:\/\/gumikbali.co.id\"],\"url\":\"https:\/\/gumikbali.co.id\/index.php\/author\/gumikbali2025\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Catatan dari \u201cRural Bank Dialogue 2025\u201d - GUMIK BALI","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/gumikbali.co.id\/index.php\/2025\/10\/31\/catatan-dari-rural-bank-dialogue-2025\/","og_locale":"id_ID","og_type":"article","og_title":"Catatan dari \u201cRural Bank Dialogue 2025\u201d - GUMIK BALI","og_description":"OLeh: D.Wijaya \u201cRural Bank Dialogue 2025\u201d yang diselengarakan Lembaga Penjamin Simpanan (LPS) pada 28\/10\/2025,&nbsp; di Padma Legian Resort Legian, Badung-Bali, menghadirkan pengurus BPR\/BPRS di Seluruh Bali. 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