Bank Indonesia melaporkan pertumbuhan kredit sebesar 10,85% secara tahunan (yoy). Dari sisi penawaran pertumbuhan kredit dua digit didukung oleh minat penyaluran yang terjaga seiring dengan berlanjutnya realokasi alat likuid dan dukungan Kebijakan Insentif Likuiditas Makroprudensial (KLM) BI.
Pertumbuhn kredit tersebut diikuti dengan rasio kredit bermasalah atau nonperforming loan (NPL) gross 2,26% dan NPL net 0,78%.
Gubernur BI Perry Warjiyo mengatakan bahwa dari sisi permintaan, pertumbuhan kredit didukung kinerja usaha korporasi yang terjaga. Secara sektoral, permintaan kredit didominasi oleh perdagangan, industri pertambangan dan pengangkutan.
“Berdasarkan kelompok penggunaan, modal kerja, kredit konsumsi, dan investasi masing-masing 10,01% yoy, 10,88% yoy, 12,26% yoy,” kata Perry dalam konferensi pers Hasil Rapat Dewan Gubernur Bulan Oktober 2024 dengan Cakupan Tahunan, Rabu (16/10/2024).
Pada periode yang sama pembiayaan syariah tumbuh 11,37% yoy, sedangkan kredit UMKM tumbuh 5,04% yoy. Pertumbuhan UMKM membaik dibandingkan dengan bulan sebelumnya. “Ke depan BI yakin bahwa pertumbuhan kredit pada 2024 tetap ada di kisaran 10% sampai 12%,” katanya.
Perry juga menjabarkan bahwa ketahanan sistem keuangan terjaga, seiring dengan likuiditas yang memadai. Hal ini terlihat dari alat likuid per dana pihak ketiga (AL/DPK) pada September 2024 sebesar 25,22%.
Lalu rasio kecukupan modal (CAR) per Agustus 2024 sebesar 26,69%. “Tergolong kuat dalam menyerap risiko dan dukung pertumbuhan kredit,” kata Perry.
Vaping in Singapore: More Than Just a Trend
In today’s fast-paced world, people are always looking for ways to unwind, relax, and enjoy the moment — and for many, vaping has become a go-to ritual . In Singapore, where modern life moves quickly, the rise of vaping culture has brought with it a new kind of chill . It’s not just about the devices or the clouds of vapor — it’s about flavor, convenience, and finding your own vibe.
Disposable Vapes: Simple, Smooth, Ready to Go
Let’s face it — nobody wants to deal with complicated setups all the time. That’s where disposable vapes shine. They’re perfect for people on the move who still want that satisfying hit without the hassle of charging, refilling, or replacing parts.
Popular models like the VAPETAPE UNPLUG / OFFGRID, LANA ULTRA II, and SNOWWOLF SMART HD offer thousands of puffs in one portable solution . Whether you’re out for the day or just need something quick and easy, these disposables have got your back.
New Arrivals: Fresh Gear, Fresh Experience
The best part about being into vaping? There’s always something new around the corner. The latest releases like the ELFBAR ICE KING and ALADDIN ENJOY PRO MAX bring something different to the table — whether it’s smarter designs .
The ELFBAR RAYA D2 is another standout, offering more than just puff count — it comes with dual mesh coils, so you can really make it your own.
Bundles: Smart Choices for Regular Vapers
If you vape often, buying in bulk just makes sense. Combo packs like the VAPETAPE OFFGRID COMBO or the LANA BAR 10 PCS COMBO aren’t just practical — they’re also a smart investment . No more running out at the worst time, and you save a bit while you’re at it.
Flavors That Speak to You
At the end of the day, it’s all about taste. Some days you want something icy and refreshing from the Cold Series, other times you’re craving the smooth, mellow vibes of the Smooth Series. Then there are those sweet cravings — and trust us, the Sweet Series delivers.
Prefer the classic richness of tobacco? There’s a whole series for that too. And if you’re trying to cut back on nicotine, the Nicotine-Free Range gives you all the flavor without the buzz.
Final Thoughts
Vaping in Singapore isn’t just a passing trend — it’s a lifestyle choice for many. With so many options available, from pocket-sized disposables to customizable devices, there’s something for everyone. Whether you’re just starting out , or a regular enthusiast , the experience is all about what feels right to you — made personal for you.
Vape Scene in Singapore: Embracing Modern Relaxation
In today’s fast-paced world, people are always looking for ways to unwind, relax, and enjoy the moment — and for many, vaping has become a go-to ritual . In Singapore, where modern life moves quickly, the rise of vaping culture has brought with it a unique form of downtime . It’s not just about the devices or the clouds of vapor — it’s about flavor, convenience, and finding your own vibe.
Disposable Vapes: Simple, Smooth, Ready to Go
Let’s face it — nobody wants to deal with complicated setups all the time. That’s where disposable vapes shine. They’re perfect for people on the move who still want that satisfying hit without the hassle of charging, refilling, or replacing parts.
Popular models like the VAPETAPE UNPLUG / OFFGRID, LANA ULTRA II, and SNOWWOLF SMART HD offer thousands of puffs in one easy-to-use device. Whether you’re out for the day or just need something quick and easy, these disposables have got your back.
New Arrivals: Fresh Gear, Fresh Experience
The best part about being into vaping? There’s always something new around the corner. The latest releases like the ELFBAR ICE KING and ALADDIN ENJOY PRO MAX bring something different to the table — whether it’s enhanced user experience.
The ELFBAR RAYA D2 is another standout, offering more than just puff count — it comes with adjustable airflow , so you can really make it your own.
Bundles: Smart Choices for Regular Vapers
If you vape often, buying in bulk just makes sense. Combo packs like the VAPETAPE OFFGRID COMBO or the LANA BAR 10 PCS COMBO aren’t just practical — they’re also a smart investment . No more running out at the worst time, and you save a bit while you’re at it.
Flavors That Speak to You
At the end of the day, it’s all about taste. Some days you want something icy and refreshing from the Cold Series, other times you’re craving the smooth, mellow vibes of the Smooth Series. Then there are those sweet cravings — and trust us, the Sweet Series delivers.
Prefer the classic richness of tobacco? There’s a whole series for that too. And if you’re trying to cut back on nicotine, the 0% Nicotine Series gives you all the flavor without the buzz.
Final Thoughts
Vaping in Singapore isn’t just a passing trend — it’s a lifestyle choice for many. With so many options available, from pocket-sized disposables to customizable devices, there’s something for everyone. Whether you’re exploring vaping for the first time , or a regular enthusiast , the experience is all about what feels right to you — made personal for you.