Periode Data: May 2025 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Biaya Overhead (%) |
2.77% |
2.77% |
2.77% |
2.77% |
N/A |
2.77% |
2.77% |
Margin Keuntungan (%) |
1.12% |
1.62% |
2.12% |
2.12% |
N/A |
0.62% |
1.87% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Kategori |
Definisi Kategori Kredit |
Indikator/Kriteria dari Kategori Kredit |
Korporasi |
Kredit modal kerja dan/atau kredit investasi yang memenuhi kriteria segmen Korporasi di BDI. |
Plafon untuk debitur dengan sales turnover tahunan >IDR 200 miliar |
Ritel |
Kredit modal kerja dan/atau kredit investasi yang tidak termasuk dalam segmen Korporasi dalam ketentuan segmentasi Korporasi BDI, namun tidak termasuk segmen menengah, kecil, dan mikro sesuai regulasi yang berlaku. |
Plafon untuk debitur dengan sales turnover sampai dengan ≤IDR 200 miliar |
Efektif 1 Jul 2025
Keterangan:
Historikal Suku Bunga Dasar Kredit
2025
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: April 2025 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Biaya Overhead (%) |
2.81% |
2.81% |
2.81% |
2.81% |
N/A |
2.81% |
2.81% |
Margin Keuntungan (%) |
1.09% |
1.59% |
2.09% |
2.09% |
N/A |
0.59% |
1.84% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: Maret 2025 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Biaya Overhead (%) |
2.86% |
2.86% |
2.86% |
2.86% |
N/A |
2.86% |
2.86% |
Margin Keuntungan (%) |
1.04% |
1.54% |
2.04% |
2.04% |
N/A |
0.54% |
1.79% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: Februari 2025 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.66% |
4.66% |
4.66% |
4.66% |
N/A |
4.66% |
4.66% |
Biaya Overhead (%) |
3.01% |
3.01% |
3.01% |
3.01% |
N/A |
3.01% |
3.01% |
Margin Keuntungan (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: Januari 2025 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.72% |
4.72% |
4.72% |
4.72% |
N/A |
4.72% |
4.72% |
Biaya Overhead (%) |
2.98% |
2.98% |
2.98% |
2.98% |
N/A |
2.98% |
2.98% |
Margin Keuntungan (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: Desember 2024 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.61% |
4.61% |
4.61% |
4.61% |
N/A |
4.61% |
4.61% |
Biaya Overhead (%) |
3.14% |
3.14% |
3.14% |
3.14% |
N/A |
3.14% |
3.14% |
Margin Keuntungan (%) |
0.75% |
1.25% |
1.75% |
1.75% |
N/A |
0.25% |
1.50% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: November 2024 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.60% |
4.60% |
4.60% |
4.60% |
N/A |
4.60% |
4.60% |
Biaya Overhead (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Margin Keuntungan (%) |
0.79% |
1.29% |
1.79% |
1.79% |
N/A |
0.29% |
1.54% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
2024
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: Oktober 2024 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.59% |
4.59% |
4.59% |
4.59% |
N/A |
4.59% |
4.59% |
Biaya Overhead (%) |
3.11% |
3.11% |
3.11% |
3.11% |
N/A |
3.11% |
3.11% |
Margin Keuntungan (%) |
0.80% |
1.30% |
1.80% |
1.80% |
N/A |
0.30% |
1.55% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: September 2024 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.57% |
4.57% |
4.57% |
4.57% |
N/A |
4.57% |
4.57% |
Biaya Overhead (%) |
3.15% |
3.15% |
3.15% |
3.15% |
N/A |
3.15% |
3.15% |
Margin Keuntungan (%) |
0.78% |
1.28% |
1.78% |
1.78% |
N/A |
0.28% |
1.53% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |
Suku
Bunga Dasar Kredit Rupiah
PT Bank Danamon Indonesia Tbk
Periode Data: Agustus 2024 |
Kredit Non UMKM |
Kredit UMKM |
KPR / KPA |
Non KPR / Non KPA |
|||
Korporasi |
Ritel |
Menengah |
Kecil |
Mikro |
|||
Harga Pokok Dana untuk Kredit (HPDK) (%) |
4.54% |
4.54% |
4.54% |
4.54% |
N/A |
4.54% |
4.54% |
Biaya Overhead (%) |
3.13% |
3.13% |
3.13% |
3.13% |
N/A |
3.13% |
3.13% |
Margin Keuntungan (%) |
0.83% |
1.33% |
1.83% |
1.83% |
N/A |
0.33% |
1.58% |
Suku Bunga Dasar Kredit (SBDK) (%) (HDPK + Overhead + Margin) |
8.50% |
9.00% |
9.50% |
9.50% |
N/A |
8.00% |
9.25% |