Suku Bunga Dasar Kredit - Desember 2017

​​Suku Bunga Dasar Kredit (SBDK)
Data Posisi Akhir Desember 2017

Disclaimer :

1. The SBDK reffered to is defined in accordance to Bank Indonesia Circular Letter No.13/5/DPNP dated February 8, 2011. As mentioned within the Circular Letter, the categorization of Corporate Loan, Retail Loan, and Consumer Loan is determined according to bank’s Internal definition of such loans. In this case, the definition of Non-Mortgage Consumer Loan excludes Non-collateralized Consumer Loan as well as Credit Card Loan. The published SBDK data are those of conventional commercial banks with a total asset of at least Rp10 Trillion that are obliged by regulation to publish their SBDK data.
2. The SBDK data/information published above is the end of month positions that is reported and submitted by the commercial banks to Bank Indonesia which has not been subjected to any change or modifications by Bank Indonesia. The SBDK information may differ from the SBDK information published by banks in its offices, its website and/or other media publication due to different reporting periods. Confirmation and or enquiry with respect to the validity and or the most up-to-date SBDK data/information should be made directly to the banks.
3. The SBDK Information published herein does not in any form whatsoever reflect the opinion, view and or analysis of Bank Indonesia nor can the information be considered as an official document of Bank Indonesia. .
4. Any review, restransmission, dissemination, copying or other use of, or taking any action in reliance upon the information contained in this publication by person(s) or entities is solely the responsibility of such person(s) or entities. Bank Indonesia accepts no liability for any consequence and or damage that may occur as a result of reviewing, restranmitting, disseminating, copying or other use of, or taking any action in reliance upon the information contained in this publication.
5. The calculation of SBDK has not taken into account the risk premium component, which magnitude or size is dependent on banks’ evaluation regarding the riskiness of each individual debtors or group of debtors. Thus, the effective interest rate charged for loans to each individual debtors of group of debtors, which have incorporated such risk premium, may differ from SBDK.

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