EkonomiFeaturedUncategorized

Pinjaman Daerah Bisa Digunakan Untuk Menutupi Anggaran Pendapatan dan Belanja Daerah

July 27, 2022

BANDUNG, BEREDUKASI.COM — PEMBANGUNAN di daerah punya arti yang sangat penting demi mendorong pertumbuhan ekonomi dan pelayanan publik bagi seluruh masyarakat di daerah.

Karena itu, Pemerintah Daerah Kabupaten/Kota/Provinsi harus memiliki anggaran yang mumpuni untuk membiayai kegiatan pembangunan sehingga Roda Ekonomi Daerah bisa terus bergerak.

Namun bukan perkara mudah menjaga stabilitas pembangunan daerah karena Pemerintah Daerah dihadapkan dengan berbagai kendala mulai dari pengesahan atau pencairan anggaran yang terlambat, defisit anggaran dan masalah lainnya.

Selain itu, Pemerintah Daerah akan kesulitan mencari lembaga keuangan yang dapat memberikan pinjaman dengan syarat mudah dan jangka waktu yang panjang.

Pemimpin Divisi Corporate Secretary bank bjb, Widi Hartoto mengatakan bank bjb sebagai mitra strategis pemerintah daerah senantiasa mendukung kegiatan pembangunan daerah melalui fasilitas pembiayaan.

‘bank bjb menyediakan bjb Pinjaman Daerah untuk membantu dan menjadi solusi bagi Pemerintah Daerah agar pembangunan daerah berjalan lebih lancar,’ ujar Widi.

bjb Pinjaman Daerah bisa digunakan untuk menutupi anggaran pendapatan dan belanja daerah pengeluaran dan/atau kekurangan arus kas bagi para Pemerintah Daerah.

Selain itu, bjb Pinjaman Daerah juga bisa digunakan Pemerintah Daerah untuk membiayai kegiatan investasi maupun Defisit Cash Flow Daerah.

‘Jenis bjbPinjaman Daerah yang bisa dimanfaatkan pemerintah daerah meliputi Jangka Pendek, Jangka Menengah dan Jangka Panjang,’ kata Widi.

Pinjaman Jangka Pendek memiliki jangka waktu maksimal 1 tahun anggaran. Tujuan hanya untuk menutup kekurangan arus kas dalam rangka pengelolaan kas (Cash Management) antara lain untuk menutup kekurangan pembayaran gaji pegawai.

Sedangkan Pinjaman Jangka Menengah memiliki jangka waktu dapat lebih dari 1 tahun anggaran. Tujuan untuk membiayai pelayanan publik yang tidak menghasilkan penerimaan.

Sementara Pinjaman Jangka Panjang memiliki jangka waktu lebih dari 1 tahun anggaran. Tujuan untuk membiayai kegiatan investasi prasarana/sarana dalam rangka penyediaan pelayanan publik yang Menghasilkan penerimaan langsung berupa pendapatan APBD, Menghasilkan penerimaan tidak langsung berupa penghematan terhadap belanja APBD, atau Memberikan manfaat ekonomi sosial.

Adapun persyaratan administrasi bjb Pinjaman Daerah, di antaranya adalah Surat permohonan persetujuan DPRD dari Pemerintah Daerah ke DPRD yang bersangkutan, Surat Permohonan pertimbangan dari Pemerintah Daerah kepada Menteri Dalam Negeri (khusus Pinjaman Jangka Menengah dan Pinjaman Jangka Panjang), Laporan Keuangan Pemerintah Daerah selama 3 tahun terakhir yang diaudit BPK, Perhitungan tentang rasio kemampuan keuangan daerah untuk mengembalikan pinjaman.

‘Banyak pemerintah daerah yang meminati bjb Pinjaman Daerah. Tidak hanya di Jabar dan Banten, tapi juga Pemda lainnya sangat berminat karena bank bjb memberikan syarat yang sangat mudah,’ kata Widi. (***).

July 27, 2022

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