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OJK Terbitkan Aturan Baru Perlakuan Khusus Daerah Terkena Dampak Bencana

OTORITAS Jasa Keuangan (OJK) menerbitkan Peraturan OJK (POJK) Nomor 19 Tahun 2022 tentang Perlakuan Khusus Lembaga Jasa Keuangan (LJK) pada Daerah dan Sektor Tertentu di Indonesia yang Terkena Dampak Bencana (POJK Perlakuan Khusus Dampak Bencana).

Melalui siaran pers yang dikeluarkan pada Rabu (9/11), dijelaskan bahwa POJK ini diterbitkan memperbarui ketentuan sebelumnya, yaitu POJK 45/POJK.03/2017 yang hanya mengatur perlakuan khusus bagi debitur yang terkena dampak bencana alam dan berlaku bagi bank.

Sementara POJK Perlakuan Khusus Dampak Bencana yang baru mengatur perlakuan khusus dampak bencana yang disebabkan oleh kondisi bencana baik alam maupun nonalam dan berlaku bagi seluruh LJK.

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Melalui POJK ini, OJK dapat menetapkan daerah dan atau sektor tertentu di Indonesia yang terkena dampak bencana serta jangka waktu perlakuan khusus.

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Penentuan daerah dan atau sektor tertentu yang terkena bencana dilakukan oleh OJK memperhatikan beberapa aspek, antara lain:

  1. Luas wilayah yang terkena bencana;
  2. Jumlah korban jiwa;
  3. Jumlah kerugian materiil;
  4. Jumlah debitur yang diperkirakan terkena dampak bencana;
  5. Persentase jumlah kredit atau pembiayaan yang diberikan kepada debitur yang terkena dampak bencana terhadap jumlah kredit atau pembiayaan di daerah dan atau sektor tertentu yang terkena bencana;
  6. Persentase jumlah kredit atau pembiayaan dengan plafon sampai dengan Rp10.000.000.000,00 (sepuluh miliar rupiah) terhadap jumlah kredit atau pembiayaan di daerah dan atau sektor tertentu yang terkena dampak bencana; dan/atau
  7. Aspek lainnya yang menurut OJK perlu untuk dipertimbangkan.

Definisi bencana yang menjadi cakupan POJK ini ialah peristiwa atau rangkaian peristiwa yang mengancam dan mengganggu kehidupan dan penghidupan masyarakat yang disebabkan baik oleh faktor alam dan atau faktor nonalam maupun faktor manusia sehingga mengakibatkan timbulnya korban jiwa manusia, kerusakan lingkungan, kerugian harta benda, dampak psikologis, terganggunya kinerja pelaku industri di sektor jasa keuangan, dan atau memengaruhi kondisi ekonomi masyarakat.

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Penerbitan POJK Perlakuan Khusus Dampak Bencana ini berlaku untuk Bank, Industri Pasar Modal, dan Lembaga Jasa Keuangan Non-Bank (LJKNB) serta lembaga jasa keuangan lainnya.

LJKNB meliputi perusahaan pembiayaan, perusahaan pembiayaan syariah, perusahaan modal ventura, perusahaan modal ventura syariah, perusahaan pembiayaan infrastruktur. Lembaga jasa keuangan lainnya terdiri atas lembaga pembiayaan ekspor Indonesia, perusahaan pembiayaan sekunder perumahan, lembaga keuangan mikro, PT Permodalan Nasional Madani, dan penyelenggara layanan pendanaan bersama berbasis teknologi informasi.

Perlakuan khusus untuk Bank, meliputi penetapan kualitas aset, restrukturisasi kredit atau pembiayaan, dan pemberian penyediaan dana baru, yang berlaku mutatis mutandis bagi sebagian besar LJKNB. Khusus untuk penyelenggara layanan pendanaan bersama berbasis teknologi informasi, restrukturisasi pendanaan dapat dilaksanakan setelah mendapatkan persetujuan dari pemberi dana. Selanjutnya, perlakuan khusus untuk industri Pasar Modal akan ditetapkan lebih lanjut.

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Perlakuan khusus untuk  LJK  diterapkan dengan tetap memperhatikan  prinsip  kehati-hatian untuk mencegah terjadinya penyalahgunaan dalam penerapannya (moral hazard).


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