Suku Bunga Dasar Kredit – Februari 2014
Kredit merupakan salah satu produk utama perbankan. Kejelasan informasi kredit sangat dibutuhkan oleh nasabah.
Sejak tahun 2011, Bank Indonesia (BI) membuat kebijakan mengenai transparansi karakteristik produk perbankan. Salah satu transparansi tersebut adalah dengan mengumumkan Suku Bunga Dasar Kredit (SBDK) atau dalam bahasa Inggris prime lending rate.
Tiap bank mengirimkan SBDK mereka ke BI secara berkala. Kemudian BI akan mengumumkan kepada umum. Selain itu bank diwajibkan mengumumkan SBDK lewat papan pengumuman, website, atau surat kabar.
SBDK ini adalah suku bunga dasar paling rendah, bank belum menghitung premi resiko dari kredit tersebut. Suku bunga kredit yang dikeluarkan bank adalah jumlah dari SBDK dan premi resiko. Jadi suku bunga kredit bank bisa lebih besar dari SBDK yang diumumkan.
SBDK bisa dijadikan acuan saat akan mengambil kredit di bank.
Data Posisi Akhir Februari 2014
|
Nama Bank
|
Suku Bunga Dasar Kredit (%)
|
||||
|
Kredit
Korporasi
|
Kredit
Ritel
|
Kredit
Mikro
|
Kredit Konsumsi
|
||
|
KPR
|
Non KPR
|
||||
|
PT BANK MANDIRI (PERSERO), Tbk
|
10.50
|
12.25
|
22.00
|
11.00
|
12.25
|
|
PT BANK RAKYAT INDONESIA (PERSERO), Tbk
|
10.50
|
11.75
|
19.25
|
10.25
|
12.25
|
|
PT BANK CENTRAL ASIA, Tbk
|
10.25
|
11.75
|
–
|
10.50
|
10.78
|
|
PT BANK NEGARA INDONESIA (PERSERO), Tbk
|
10.75
|
12.35
|
–
|
11.10
|
13.25
|
|
PT BANK CIMB NIAGA, Tbk
|
11.00
|
12.00
|
20.00
|
11.50
|
12.00
|
|
PT BANK PERMATA, Tbk
|
11.25
|
12.00
|
–
|
12.50
|
12.25
|
|
PT BANK DANAMON INDONESIA, Tbk
|
11.25
|
12.50
|
20.94
|
12.25
|
12.49
|
|
PT PAN INDONESIA BANK, Tbk
|
11.34
|
11.34
|
19.20
|
11.34
|
11.34
|
|
PT BANK INTERNASIONAL INDONESIA, Tbk
|
10.59
|
11.28
|
18.30
|
11.25
|
10.77
|
|
PT BANK TABUNGAN NEGARA (PERSERO), Tbk
|
10.85
|
12.25
|
18.75
|
11.50
|
12.00
|
|
PT BANK OCBC NISP, Tbk
|
11.00
|
12.25
|
–
|
12.75
|
12.75
|
|
THE BANK OF TOKYO MITSUBISHI UFJ LTD
|
5.59
|
–
|
–
|
–
|
–
|
|
THE HONGKONG AND SHANGHAI BANKING CORP
|
9.15
|
9.15
|
–
|
9.15
|
–
|
|
PT BANK UOB INDONESIA
|
12.70
|
14.50
|
–
|
12.50
|
–
|
|
PT BPD JAWA BARAT DAN BANTEN, Tbk
|
9.23
|
12.66
|
19.15
|
9.87
|
11.08
|
|
PT BANK BUKOPIN, Tbk
|
12.75
|
14.65
|
14.20
|
13.68
|
14.63
|
|
PT BANK TABUNGAN PENSIUNAN NASIONAL, Tbk
|
–
|
18.11
|
20.27
|
–
|
18.86
|
|
CITIBANK NA
|
9.50
|
9.65
|
–
|
–
|
11.50
|
|
STANDARD CHARTERED BANK
|
9.79
|
9.58
|
–
|
8.84
|
–
|
|
PT BANK MEGA, Tbk
|
13.25
|
19.25
|
–
|
13.75
|
14.50
|
|
PT BANK DBS INDONESIA
|
11.83
|
12.55
|
–
|
–
|
–
|
|
PT BANK SUMITOMO MITSUI INDONESIA
|
8.39
|
–
|
–
|
–
|
–
|
|
PT BANK MIZUHO INDONESIA
|
9.85
|
–
|
–
|
–
|
–
|
|
PT. BPD JAWA TIMUR
|
8.41
|
9.94
|
10.77
|
8.57
|
9.42
|
|
PT ANZ PANIN BANK
|
10.20
|
10.32
|
–
|
11.82
|
12.82
|
|
PT BANK ICBC INDONESIA
|
11.25
|
11.00
|
–
|
10.00
|
12.00
|
|
PT BPD JAWA TENGAH
|
7.26
|
7.60
|
7.27
|
7.13
|
12.46
|
|
PT BPD DKI
|
10.50
|
12.50
|
19.00
|
11.00
|
12.00
|
|
PT BANK EKONOMI RAHARJA, Tbk
|
11.00
|
12.00
|
–
|
12.00
|
–
|
|
PT BANK MAYAPADA INTERNATIONAL, Tbk
|
13.60
|
13.89
|
15.83
|
13.57
|
13.84
|
|
DEUTSCHE BANK AG.
|
9.75
|
–
|
–
|
–
|
–
|
|
PT BPD SUMATERA UTARA
|
9.04
|
11.05
|
15.31
|
10.67
|
14.04
|
|
BPD KALIMANTAN TIMUR
|
9.84
|
9.84
|
9.84
|
10.34
|
10.34
|
|
PT BANK ARTHA GRAHA INTERNASIONAL, Tbk
|
10.20
|
10.22
|
14.17
|
9.97
|
11.22
|
|
PT BANK COMMONWEALTH
|
11.00
|
11.50
|
–
|
12.50
|
13.00
|
|
PT BANK SINARMAS, Tbk
|
11.10
|
11.10
|
11.10
|
–
|
11.10
|
|
PT BPD PAPUA
|
10.76
|
11.78
|
16.30
|
12.30
|
14.79
|
|
JP. MORGAN CHASE BANK, N.A.
|
9.00
|
–
|
–
|
–
|
–
|
|
PT BPD SUMATERA BARAT
|
11.00
|
11.50
|
14.00
|
12.50
|
12.00
|
|
PT BANK VICTORIA INTERNATIONAL, Tbk
|
13.00
|
13.50
|
15.00
|
12.75
|
14.00
|
|
PT BPD RIAU DAN KEPULAUAN RIAU
|
13.08
|
12.96
|
14.02
|
12.91
|
12.61
|
|
BANK OF CHINA LIMITED
|
5.62
|
5.62
|
5.62
|
–
|
–
|
|
THE BANGKOK BANK COMP. LTD
|
11.53
|
–
|
–
|
–
|
–
|
|
PT BPD SUMATERA SELATAN DAN BANGKA BELITUNG
|
10.00
|
12.00
|
15.00
|
11.50
|
12.00
|
|
PT BPD BALI
|
8.43
|
8.67
|
8.83
|
9.20
|
9.27
|
|
PT BANK ACEH
|
10.37
|
10.37
|
10.38
|
10.37
|
10.37
|
|
PT BANK RABOBANK INTERNATIONAL INDONESIA
|
11.00
|
12.00
|
–
|
12.00
|
12.50
|
|
PT. BANK MUTIARA, Tbk.
|
13.00
|
13.50
|
22.50
|
13.00
|
13.25
|
|
PT BANK RESONA PERDANIA
|
9.52
|
–
|
–
|
–
|
–
|
|
PT. BANK KESAWAN, Tbk
|
12.00
|
13.75
|
13.75
|
13.75
|
13.75
|
|
PT BPD SULAWESI SELATAN DAN SULAWESI BARAT
|
12.63
|
13.05
|
12.82
|
11.63
|
15.92
|
|
BPD KALIMANTAN BARAT
|
10.40
|
10.40
|
10.40
|
10.40
|
10.40
|
|
PT BPD KALIMANTAN SELATAN
|
7.82
|
8.32
|
8.32
|
10.32
|
10.82
|
|
PT BANK NUSANTARA PARAHYANGAN,Tbk
|
12.03
|
12.75
|
10.17
|
10.41
|
10.25
|
|
PT BANK PUNDI INDONESIA, Tbk
|
–
|
14.25
|
23.28
|
–
|
–
|
|
PT BANK WINDU KENTJANA INTERNATIONAL, Tbk
|
13.31
|
13.31
|
–
|
13.31
|
13.31
|
|
PT BANK HANA
|
9.00
|
9.75
|
10.25
|
9.50
|
10.50
|
|
PT BANK CTBC INDONESIA (d/h PT Bank Chinatrust Ind
|
10.27
|
11.91
|
–
|
11.91
|
–
|
|
PT BPD SULAWESI UTARA
|
12.00
|
12.00
|
12.00
|
11.00
|
12.00
|
|
PT BANK HIMPUNAN SAUDARA 1906, Tbk
|
12.85
|
16.10
|
16.10
|
14.10
|
17.10
|
|
PT BPD NUSA TENGGARA TIMUR
|
11.36
|
11.37
|
14.16
|
9.84
|
16.47
|
|
PT BANK MESTIKA DHARMA
|
12.17
|
12.67
|
12.67
|
12.27
|
12.57
|
|
PT BANK ICB BUMIPUTERA, Tbk
|
11.72
|
11.76
|
14.09
|
11.71
|
11.75
|
|
BPD YOGYAKARTA
|
8.64
|
8.77
|
8.68
|
8.33
|
9.86
|
|
PT BANK CAPITAL INDONESIA, Tbk
|
13.94
|
13.94
|
13.94
|
13.94
|
13.94
|
|
PT BANK BNP PARIBAS INDONESIA
|
11.98
|
–
|
–
|
–
|
–
|
|
THE ROYAL BANK OF SCOTLAND N.V.
|
7.07
|
–
|
–
|
–
|
–
|
|
PT BANK WOORI INDONESIA
|
7.63
|
–
|
–
|
7.63
|
7.63
|
|
PT BANK KEB INDONESIA
|
8.12
|
–
|
–
|
–
|
–
|
|
PT BANK INDEX SELINDO
|
11.19
|
11.69
|
12.19
|
11.19
|
11.69
|
|
PT BPD KALTENG
|
12.92
|
11.15
|
20.92
|
10.81
|
15.34
|
|
PT BANK AGRONIAGA, Tbk
|
13.82
|
13.82
|
–
|
–
|
–
|
|
PT BPD LAMPUNG
|
8.26
|
8.26
|
8.26
|
–
|
8.26
|
|
PT. BANK MALUKU
|
10.75
|
10.75
|
10.75
|
10.75
|
10.75
|
|
PT BPD NUSA TENGGARA BARAT
|
14.31
|
14.31
|
–
|
14.31
|
14.31
|
|
PT BPD JAMBI
|
8.56
|
8.47
|
8.57
|
8.39
|
9.97
|
|
PT BANK JASA JAKARTA
|
11.78
|
11.78
|
–
|
11.53
|
11.53
|
|
PT BANK NATIONALNOBU
|
–
|
11.00
|
–
|
10.50
|
–
|
|
PT BANK BUMI ARTA, Tbk
|
11.26
|
11.47
|
16.51
|
10.98
|
16.03
|
|
PT BANK MASPION INDONESIA
|
–
|
12.20
|
13.20
|
12.20
|
12.20
|
|
PT BANK OF INDIA INDONESIA, Tbk
|
13.65
|
13.65
|
13.65
|
13.65
|
13.65
|
|
PT BPD BENGKULU
|
10.28
|
10.28
|
10.28
|
10.28
|
10.28
|
|
BANK OF AMERICA, N.A
|
8.30
|
–
|
–
|
–
|
–
|
|
PT BPD SULAWESI TENGGARA
|
7.39
|
7.91
|
7.51
|
7.39
|
7.54
|
|
PT BANK MAYORA
|
10.64
|
11.14
|
12.14
|
11.14
|
11.14
|
|
PT BANK SBI INDONESIA
|
12.48
|
13.48
|
–
|
–
|
–
|
|
PT BANK SAHABAT SAMPOERNA
|
13.75
|
14.00
|
18.00
|
–
|
15.75
|
|
PT. BANK AGRIS
|
14.29
|
15.29
|
20.29
|
15.29
|
15.29
|
|
PT BANK KESEJAHTERAAN EKONOMI
|
16.56
|
16.56
|
16.56
|
–
|
10.03
|
|
PT. BPD SULAWESI TENGAH
|
–
|
7.06
|
–
|
–
|
–
|
|
PT PRIMA MASTER BANK
|
14.53
|
14.78
|
15.28
|
14.63
|
15.03
|
|
PT BANK YUDHA BHAKTI
|
15.21
|
15.71
|
15.71
|
15.96
|
15.96
|
|
PT BANK GANESHA
|
12.59
|
14.44
|
19.27
|
12.84
|
13.19
|
|
PT BANK MULTIARTA SENTOSA
|
10.50
|
11.50
|
11.50
|
10.50
|
11.50
|
|
PT BANK ANTARDAERAH
|
13.64
|
14.14
|
15.85
|
–
|
–
|
|
PT BANK HARDA INTERNASIONAL
|
13.33
|
13.33
|
13.33
|
13.33
|
13.33
|
|
PT BANK INA PERDANA
|
13.16
|
13.16
|
15.16
|
13.16
|
14.66
|
|
PT BANK MITRANIAGA
|
14.37
|
14.37
|
14.37
|
14.37
|
14.37
|
|
PT BANK ANDARA
|
13.05
|
–
|
–
|
–
|
–
|
|
PT BANK SINAR HARAPAN BALI
|
–
|
14.50
|
24.00
|
–
|
–
|
|
PT BANK DINAR INDONESIA
|
12.95
|
12.95
|
12.95
|
12.95
|
12.95
|
|
PT BANK SAHABAT PURBA DANARTA
|
9.45
|
15.68
|
39.25
|
–
|
12.22
|
|
PT CENTRATAMA NASIONAL BANK
|
13.23
|
13.23
|
13.23
|
13.23
|
13.23
|
|
PT BANK FAMA INTERNASIONAL
|
14.16
|
14.16
|
15.16
|
14.16
|
14.16
|
|
PT BANK METRO EXPRESS
|
11.04
|
11.14
|
11.54
|
11.14
|
11.54
|
|
PT BANK ARTOS INDONESIA
|
14.44
|
14.44
|
14.44
|
14.44
|
14.44
|
|
PT BANK BISNIS INTERNASIONAL
|
–
|
12.40
|
–
|
11.35
|
12.75
|
|
PT BANK ROYAL INDONESIA
|
12.42
|
12.42
|
–
|
12.42
|
12.42
|
|
PT ANGLOMAS INTERNASIONAL BANK
|
12.50
|
11.50
|
16.50
|
12.50
|
13.00
|
sumber: bi.go.id
Note: Kredit konsumsi non KPR, tidak termasuk kartu kredit dan KTA. Jadi KTA dan kartu kredit tidak termasuk dalam SBDK di atas.