Analisis Pengaruh Suku Bunga terhadap Penurunan Permintaan Kredit Bank di Indonesia pada Bank BRI
Studi Kasus: PT Bank Rakyat Indonesia (Persero) Tbk. Periode 2020-2024
DOI:
https://doi.org/10.55606/jupiman.v5i2.6350Keywords:
Bank BRI, BI Rate, Credit Demand, Interest Rate, MSME, SBDK, Service ManagementAbstract
This study examines the effect of interest rates on the decline in credit demand at PT Bank Rakyat Indonesia (Persero) Tbk. (BRI), the largest bank in Indonesia with a focus on the Micro, Small, and Medium Enterprises (MSME) segment. Using a qualitative-descriptive approach with secondary data analysis from BRI's annual reports for the 2020–2024 period, Bank Indonesia (BI) data, and Financial Services Authority (OJK) publications, this study finds that the increase in BI Rate from 3.50% (2021) to 6.25% (2024) significantly impacted BRI's credit growth. BRI's credit growth, which previously reached 13.01% yoy (2022) and 12.50% yoy (2023), slowed substantially to only 6.97% yoy in 2024 below the management's target of 10%–12%. From a service management perspective, the increase in BRI's Prime Lending Rate (SBDK) for the corporate segment from 7.25% (2021) to 8.50% (2024) and the retail segment from 7.50% to 8.75% reduces the perceived value of BRI's credit services to borrowers and encourages wait-and-see behavior from corporate and MSME customers. Managerial implications suggest that BRI needs to strengthen value-based service strategies, accelerate digital transformation, and innovate in credit product design to maintain competitiveness amid high interest rate pressures.
Downloads
References
Bernanke, B., & Gertler, M. (1995). Inside the black box: The credit channel of monetary policy transmission. Journal of Economic Perspectives, 9(4), 27–48. https://doi.org/10.1257/jep.9.4.27
Bank Indonesia. (2024). BI-Rate naik 25 bps menjadi 6,25%: Memperkuat stabilitas dan menjaga pertumbuhan dari dampak rambatan global. Bank Indonesia.
Effendi, Z. N. (2024). Pengaruh kapitalisasi, kredit perbankan, financial technology, pertumbuhan ekonomi, inflasi, dan suku bunga terhadap risiko kredit pada perbankan konvensional periode 2019–2023. Skripsi, Universitas Pelita Bangsa.
Fahmi, I. (2020). Analisis kinerja keuangan. Alfabeta.
Jufriadi, J., & Imaduddin, I. (2022). Pengaruh tingkat suku bunga, inflasi, dan non performing loan terhadap pemberian kredit dan dampaknya terhadap kinerja keuangan. Jurnal Ilmiah Manajemen. https://doi.org/10.32670/fairvalue.v4i9.1662
Kasmir. (2020). Bank dan lembaga keuangan lainnya. Rajawali Pers.
Keynes, J. M. (1936). The general theory of employment, interest and money. Macmillan.
Kotler, P., & Keller, K. L. (2016). Marketing management (15th ed.). Pearson Education.
Kotler, P., & Keller, K. L. (2020). Marketing management. Pearson Education.
Otoritas Jasa Keuangan. (2024). Suku bunga dasar kredit. OJK.
PT Bank Rakyat Indonesia (Persero) Tbk. (2020–2024). Laporan tahunan BRI 2020–2024.
Sinambela, V., & Susanti, M. (2021). Suku bunga, kredit macet dan profitabilitas di Infobank 15. Jurnal Ilmiah Manajemen Ubhara, 3(2), 22–31. https://doi.org/10.31599/jmu.v3i2.980
Sugiyono. (2020). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Tjiptono, F. (2020). Strategi pemasaran dan manajemen jasa. Andi.
Woodruff, R. B. (1997). Customer value: The next source for competitive advantage. Journal of the Academy of Marketing Science, 25(2), 139–153. https://doi.org/10.1007/BF02894350
Zeithaml, V. A., Bitner, M. J., & Gremler, D. D. (2018). Services marketing: Integrating customer focus across the firm (7th ed.). McGraw-Hill Education.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Alvito Dianokta, Galang Romadon, Ridwan Ardiansyah, Ravenna Zahra, Widia Rahmawati, Rudi Sanjaya
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
