[{"_1":2,"_132":-5,"_133":-5},"loaderData",{"_3":4,"_28":29,"_30":31},"root",{"_5":6,"_7":-5,"_8":9},"locale","en","session","ENV",{"_10":11,"_12":13,"_14":15,"_16":17,"_18":19,"_20":21,"_22":23,"_24":25,"_26":27},"APP_ENV","production","APP_URL","https://veritask.ai","GA_MEASUREMENT_ID","G-X1BV3QBZEM","META_PIXEL_ID","4698743733686194","TIKTOK_PIXEL_IDS","D8A3HTBC77U9J3L243V0","CLARITY_PROJECT_ID","wn9rn7xb4l","AMPLITUDE_API_KEY","74a0c7cc1509a379d3647ec140dd375","MIDTRANS_CLIENT_KEY","Mid-client-hwjEU5pmwAKVMbIA","MIDTRANS_SNAP_URL","https://app.midtrans.com/snap/snap.js","routes/$locale",{"_5":6},"routes/$locale.search-engine.regulation.$regulationId",{"_32":33,"_34":35},"regulationId","ea44fe4d-8fe3-46b2-ba9b-bdbfbef792ec","regulationData",{"_36":33,"_37":38,"_128":129,"_130":131},"regulation_id","overview",{"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":48,"_50":51,"_52":53,"_59":60,"_61":62,"_66":67,"_71":72,"_73":74,"_75":76,"_77":78,"_79":-5,"_80":81,"_82":83,"_84":-5,"_85":86,"_87":88,"_89":90,"_91":92,"_103":104,"_105":106,"_107":108,"_109":110,"_111":112,"_117":118,"_119":120,"_121":122,"_123":124,"_125":-5,"_126":127},"title","Peraturan Bank Indonesia Nomor 23/13/PBI/2021 Tahun 2021 tentang Rasio Pembiayaan Inklusif Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah","short_title","Peraturan Bank Indonesia Nomor 23/13/PBI/2021","number","23/13/PBI/2021","year","2021","published_date","2021-08-31","effective_date","status_id","3611a577-44a0-41ad-986d-7457e14f52ff","status",{"_54":51,"_55":56,"_57":58},"id","name","Berlaku","description","Peraturan yang masih berlaku dan memiliki kekuatan hukum yang mengikat","type_id","ec3e2067-a9e4-4abb-9a01-77551835a577","type",{"_54":60,"_55":63,"_64":65},"Peraturan Bank Indonesia","short_name","Peraturan BI","subjects",[68],{"_54":69,"_55":70,"_57":-5},"93c6b73c-a854-43c4-82da-bf667210398b","Perbankan & Lembaga Keuangan","tags",[],"location","Bank Indonesia","place_of_enactment","Jakarta","theme","Rasio Pembiayaan Inklusif Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah","subject_matter","abstract","\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n


2021
Peraturan Bank Indonesia NO. 23/13/PBI/2021, LN.2021/NO.200, bi.go.id : 18 hlm.
Peraturan Bank Indonesia TENTANG Rasio Pembiayaan Inklusif Makroprudensial Bagi Bank Umum Konvensional, Bank Umum Syariah, Dan Unit Usaha Syariah
ABSTRAK:	\n \n \n
CATATAN:	\n \n Peraturan Bank Indonesia ini mulai berlaku pada tanggal 31 Agustus 2021. \n \n

","regulatory_relationship","Peraturan ini mencabut: 1. Peraturan Bank Indonesia Nomor 14/22/PBI/2012 tentang Pemberian Kredit atau Pembiayaan oleh Bank Umum dan Bantuan Teknis dalam rangka Pengembangan Usaha Mikro, Kecil, dan Menengah sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 17/12/PBI/2015.","scope_and_parties","policy_content","

Peraturan Bank Indonesia ini bertujuan untuk menjaga stabilitas sistem keuangan melalui kebijakan makroprudensial dengan mendorong fungsi intermediasi yang seimbang dan berkualitas. Kebijakan ini mengatur Rasio Pembiayaan Inklusif Makroprudensial (RPIM) bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah. RPIM bertujuan untuk meningkatkan akses pembiayaan inklusif dan pengembangan usaha mikro, kecil, dan menengah (UMKM) serta perorangan berpenghasilan rendah. Bank diwajibkan memenuhi RPIM dengan memperhatikan prinsip kehati-hatian dan manajemen risiko. Pemenuhan RPIM dilakukan secara bertahap dengan target minimal 20% pada akhir Juni 2022, 25% pada akhir Juni 2023, dan 30% pada akhir Juni 2024. Pembiayaan inklusif dapat dilakukan melalui pemberian kredit langsung, pembelian surat berharga, dan kerja sama dengan lembaga keuangan lainnya.

","transitional_provisions","1. Pemenuhan RPIM bagi bank yang melakukan langkah strategis seperti penggabungan, peleburan, atau perubahan kegiatan usaha berlaku sejak izin terkait diterbitkan. 2. Bagi bank baru, pemenuhan RPIM dilaksanakan 1 tahun sejak tanggal pelaksanaan kegiatan operasional.","sanctions","1. Bank yang melanggar ketentuan RPIM dikenai sanksi administratif berupa teguran tertulis dan kewajiban membayar. 2. Kewajiban membayar dihitung berdasarkan 0,1% dari nilai kekurangan RPIM, maksimal Rp5.000.000.000,00. 3. Keterlambatan laporan dikenai denda Rp1.000.000,00 per hari. 4. Tidak menyampaikan laporan dikenai denda Rp30.000.000,00.","revokes",[93,99],{"_94":95,"_96":97,"_36":98},"text","Peraturan BI No. 17/12/PBI/2015 Tahun 2015 tentang Perubahan atas Peraturan Bank Indonesia Nomor 14/22/PBI/2012 tentang Pemberian Kredit atau Pembiayaan oleh Bank Umum dan Bantuan Teknis dalam Rangka Pengembangan Usaha Mikro, Kecil, dan Menengah","link","https://peraturan.bpk.go.id/Details/135527/peraturan-bi-no-1712pbi2015-tahun-2015","1eb144bc-223f-44d7-8870-7d191e44a352",{"_94":100,"_96":101,"_36":102},"Peraturan BI No. 14/22/PBI/2012 Tahun 2012 tentang Pemberian Kredit atau Pembiayaan oleh Bank Umum dan Bantuan Teknis dalam rangka Pengembangan Usaha Mikro, Kecil, dan Menengah","https://peraturan.bpk.go.id/Details/136951/peraturan-bi-no-1422pbi2012-tahun-2012","6119c7f9-253a-4789-ad39-f8aeaf5b4408","revoked_by",[],"partially_revokes",[],"partially_revoked_by",[],"amends",[],"amended_by",[113],{"_94":114,"_96":115,"_36":116},"Peraturan BI No. 24/3/PBI/2022 tentang Perubahan atas Peraturan Bank Indonesia Nomor 23/13/PBI/2021 tentang Rasio Pembiayaan Inklusif Makroprudensial bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah","https://peraturan.bpk.go.id/Details/220274/peraturan-bi-no-243pbi2022","1b443f07-b1dd-4164-9c97-f920bea35c75","partially_amends",[],"partially_amended_by",[],"establishes",[],"established_by",[],"constitutional_review","is_verified",false,"english_excerpt","\n

BANK INDONESIA REGULATION
NUMBER 23/13/PBI/2021
CONCERNING
MACROPRUDENTIAL INCLUSIVE FINANCING RATIO FOR COMMERCIAL BANKS,
SHARIA COMMERCIAL BANKS, AND SHARIA BUSINESS UNITS

BY THE GRACE OF GOD ALMIGHTY

THE GOVERNOR OF BANK INDONESIA,

\n \n \n

Considering:

that Bank Indonesia participates in maintaining the stability of the financial system through macroprudential policies by encouraging balanced and quality intermediation functions;
that to encourage balanced and quality intermediation functions, it is necessary to increase access to inclusive financing and development for micro, small, and medium enterprises and low-income individuals, through the regulation of macroprudential inclusive financing ratios;
that in regulating macroprudential inclusive financing ratios, it is necessary to expand the scope of micro, small, and medium enterprise credit or financing by considering the

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