Pembiayaan Fintech Lending Tumbuh 25 Persen di 2020

 


Perkembangan nilai permodalan atau pembiayaan fintech peer-to-peer (P2P) lending di 2020 tumbuh 25 % secara tahunan. Diakhir 2020, keseluruhan pembiayaan fintech lending capai Rp 73 triliun.


"Pada tahun 2020 (nilai permodalan) Rp 73 triliun, atau 25 % perkembangan. Jadi, walau kita alami wabah di 2020, Alhamdulillah industri fintech bisa tumbuh 25 %," kata Sekretaris Jenderal Federasi Fintech Permodalan Bersama Indonesia (AFPI), Sunu Widyatmoko, dalam Rapat Dengar Opini bersama Komisi XI, Kamis (14/1/2021).


Sunu menjelaskan, catatan positif ini tidak terlepas dari terjaganya jumlah pemakai fintech lending di periode kedaruratan kesehatan karena Covid-19 ini. Di mana per November 2020, AFPI menulis ada sekitar 700 ribu transaksi bisnis.


MPO Slot Online Tetapi, ia mengaku jumlah perkembangan di 2020 lalu lebih rendah dibanding tahun awalnya. Ini tidak terlepas dari imbas ramainya pemerlakukan peraturan Limitasi Sosial Bertaraf Besar di beberapa wilayah.


"Perkembangan ini kan di bawah triple digit yang dahulu pernah kita raih pada tahun awalnya. Ini berkaitan dengan seperti kita kehatui, waktu PSBB pencairan utang per bulan turun Rp 3 triliun dari bulan-bulan awalnya yang capai Rp 7 triliun," jelasnya.


Mujur pada bulan September 2020, performa fintech lending memperlihatkan trend pemulihan. Bahkan juga, di Oktober 2020 nilia pencairan malah membumbung melewati perolehan saat sebelum wabah Covid-19.


"Jadi, ini memperlihatkan confidence jika fintech lending sanggup layani. Walau di tengah-tengah kendala ada PSBB dan limitasi sosial yang lain," tutur ia akhiri.


Awalnya, senior Ekonom Indef Aviliani menjelaskan, industri fintech peer to peer lending (P2PL) harus bekerjasama dengan bidang keuangan terutamanya perbankan, sebab fintech P2PL itu tidak dapat cari sumber dana sendiri.


"Harus dianggap jika fintech ini sangat berharga untuk perekonomian Indonesia, sebab financial inclusion tanpa fintech mustahil berlangsung, malah adanya fintech itu UMKM banyak terjamah dalam segi utang terutamanya Peer to Peer Lending," kata Aviliani dalam seminar-online Memandang Periode Depan Fintech dan UMKM 2021, Selasa (15/12/2020).


Di mana banyak UMKM yang malah saat ini banyak memperoleh utang dari P2PL. begitu juga dari segi e-commerce sendiri banyak juga menolong UMKM untuk memperlebar pasar. Jadi harus kehadiran fintech itu benar-benar menolong.


"Disamping itu harus terutamanya P2PL itu harus bekerjasama dengan bidang keuangan terutamanya perbankan, sebab P2PL itu tidak dapat cari sumber dana sendiri," ucapnya.


Kalaulah P2PL usaha cari atau mendapati calon investor yang mempunyai uang rupanya tidak sekitar yang diperlukan, sebab yang pinjam semakin banyak daripada yang memberi dana.


"Oleh karenanya fintech di depan harus bekerja bersama dengan perbankan sebab sumber dana itu berawal dari perbankan," paparnya

Lokasi: Indonesia

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