{"id":10569,"date":"2021-09-08T00:00:00","date_gmt":"2021-09-07T17:00:00","guid":{"rendered":"http:\/\/mandiri.test\/uncategorized-id\/money-market-commentary-agustus-2021\/"},"modified":"2026-01-19T16:05:04","modified_gmt":"2026-01-19T09:05:04","slug":"money-market-commentary-agustus-2021","status":"publish","type":"post","link":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/","title":{"rendered":"Money Market Commentary : Agustus 2021"},"content":{"rendered":"

Higher Risk Premium<\/h2>\n

Berdasarkan data Bloomberg, tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47% masing \u2013 masing pada Agustus 2021. Bank Indonesia terus mendorong agar perbankan ikut menurunkan bunga pinjaman. Namun, kenaikan kasus Covid-19 menjadi tantangan bagi bank di Indonesia dimana seharusnya menurunkan suku bunga pinjaman, justru terpaksa menaikan seiring dengan kenaikan resiko premium. Meskipun demikian, bunga pinjaman kredit perumahan mengalami penurunan dan menciptakan pertumbuhan pada kelompok pinjaman konsumer. Hal ini membuat pertumbuhan kredit masih positif 0,50% di bulan Juli (vs. 0,56% di bulan Juni). Kami memandang suku bunga pinjaman seharusnya dapat lebih rendah di saat kondisi Covid-19 sudah membaik di bulan Agustus dan pemerintah mulai membuka kembali perekonomian setelah melakukan pengetatan aktifitas masyarakat. Dengan demikian, pertumbuhan kredit dapat mulai berkembang lebih lanjut.<\/p>\n

 <\/p>\n

Rekomendasi Produk<\/h2>\n\n\n\n\n\n\n
PRODUK<\/th>\n<\/tr>\n<\/thead>\n
MIPU<\/a><\/td>\nReksa Dana MIPU berinvestasi pada Instrumen Pasar Uang dengan segmen Jangka Pendek dan dikategorikan berisiko Rendah.
\nInvestor memiliki risiko atas Portofolio Pasar Uang tersebut.<\/td>\n<\/tr>\n
MPUS<\/a><\/td>\nReksa Dana MPUS berinvestasi pada Instrumen Pasar Uang Syariah dengan segmen Jangka Pendek dan dikategorikan berisiko Rendah.
\nInvestor memiliki risiko atas Portofolio Pasar Uang Syariah tersebut.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

\n

 <\/p>\n

DISCLAIMER<\/em>
\n
\nPendapat yang diungkapkan dalam artikel adalah untuk tujuan informasi umum saja dan tidak dimaksudkan untuk memberikan saran atau rekomendasi khusus untuk individu atau produk keamanan atau investasi tertentu. Ini hanya dimaksudkan untuk memberikan edukasi tentang industri keuangan. Pandangan yang tercermin dalam konten dapat berubah sewaktu-waktu tanpa pemberitahuan. Seluruh data kinerja dan return investasi yang tertera di artikel ini tidak dapat digunakan sebagai dasar jaminan perhitungan untuk membeli atau menjual suatu efek. Data tersebut merupakan catatan kinerja berdasarkan data historis dan bukan merupakan jaminan atas kinerja suatu efek di masa mendatang. Investasi melalui reksa dana mengandung risiko. Investor wajib membaca dan memahami prospektus sebelum memutuskan untuk berinvestasi melalui reksa dana.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.<\/p>\n","protected":false},"author":2,"featured_media":6198,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[351,367],"tags":[346],"class_list":["post-10569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel","category-market-insights","tag-bahasa-indonesia"],"acf":[],"yoast_head":"\nMoney Market Commentary : Agustus 2021 - Mandiri Investasi<\/title>\n<meta name=\"description\" content=\"Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Money Market Commentary : Agustus 2021 - Mandiri Investasi\" \/>\n<meta property=\"og:description\" content=\"Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/\" \/>\n<meta property=\"og:site_name\" content=\"Mandiri Investasi\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-07T17:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-19T09:05:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-content\/uploads\/2025\/12\/12.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"726\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Mandiri Investasi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Ditulis oleh\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mandiri Investasi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimasi waktu membaca\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 menit\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/\"},\"author\":{\"name\":\"Mandiri Investasi\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/#\\\/schema\\\/person\\\/d4f79fcbde41e42dea0b3a51ad8a8c77\"},\"headline\":\"Money Market Commentary : Agustus 2021\",\"datePublished\":\"2021-09-07T17:00:00+00:00\",\"dateModified\":\"2026-01-19T09:05:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/\"},\"wordCount\":300,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/12.jpg\",\"keywords\":[\"Bahasa Indonesia\"],\"articleSection\":[\"Artikel\",\"Market Insights\"],\"inLanguage\":\"id\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/\",\"url\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/\",\"name\":\"Money Market Commentary : Agustus 2021 - Mandiri Investasi\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/12.jpg\",\"datePublished\":\"2021-09-07T17:00:00+00:00\",\"dateModified\":\"2026-01-19T09:05:04+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/#\\\/schema\\\/person\\\/d4f79fcbde41e42dea0b3a51ad8a8c77\"},\"description\":\"Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#breadcrumb\"},\"inLanguage\":\"id\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#primaryimage\",\"url\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/12.jpg\",\"contentUrl\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/12.jpg\",\"width\":1200,\"height\":726},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/artikel\\\/money-market-commentary-agustus-2021\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Money Market Commentary : Agustus 2021\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/#website\",\"url\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/\",\"name\":\"Mandiri Investasi\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"id\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/#\\\/schema\\\/person\\\/d4f79fcbde41e42dea0b3a51ad8a8c77\",\"name\":\"Mandiri Investasi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"id\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/210ab4183e509b3d4da31280b378c29131c1197eb0078f9fd85c2f685b36ca05?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/210ab4183e509b3d4da31280b378c29131c1197eb0078f9fd85c2f685b36ca05?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/210ab4183e509b3d4da31280b378c29131c1197eb0078f9fd85c2f685b36ca05?s=96&d=mm&r=g\",\"caption\":\"Mandiri Investasi\"},\"url\":\"https:\\\/\\\/beta.toffeedev.com\\\/mandiri-new\\\/author\\\/abdel\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Money Market Commentary : Agustus 2021 - Mandiri Investasi","description":"Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"id_ID","og_type":"article","og_title":"Money Market Commentary : Agustus 2021 - Mandiri Investasi","og_description":"Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.","og_url":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/","og_site_name":"Mandiri Investasi","article_published_time":"2021-09-07T17:00:00+00:00","article_modified_time":"2026-01-19T09:05:04+00:00","og_image":[{"width":1200,"height":726,"url":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-content\/uploads\/2025\/12\/12.jpg","type":"image\/jpeg"}],"author":"Mandiri Investasi","twitter_card":"summary_large_image","twitter_misc":{"Ditulis oleh":"Mandiri Investasi","Estimasi waktu membaca":"1 menit"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#article","isPartOf":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/"},"author":{"name":"Mandiri Investasi","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/#\/schema\/person\/d4f79fcbde41e42dea0b3a51ad8a8c77"},"headline":"Money Market Commentary : Agustus 2021","datePublished":"2021-09-07T17:00:00+00:00","dateModified":"2026-01-19T09:05:04+00:00","mainEntityOfPage":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/"},"wordCount":300,"commentCount":0,"image":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#primaryimage"},"thumbnailUrl":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-content\/uploads\/2025\/12\/12.jpg","keywords":["Bahasa Indonesia"],"articleSection":["Artikel","Market Insights"],"inLanguage":"id","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/","url":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/","name":"Money Market Commentary : Agustus 2021 - Mandiri Investasi","isPartOf":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/#website"},"primaryImageOfPage":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#primaryimage"},"image":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#primaryimage"},"thumbnailUrl":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-content\/uploads\/2025\/12\/12.jpg","datePublished":"2021-09-07T17:00:00+00:00","dateModified":"2026-01-19T09:05:04+00:00","author":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/#\/schema\/person\/d4f79fcbde41e42dea0b3a51ad8a8c77"},"description":"Tingkat bunga PUAB overnight (JIBOR) dan deposito 1-bulan terus menurun 52 bps dan 160 bps dari Agustus 2020 menjadi 2.78% dan 3.47%.","breadcrumb":{"@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#breadcrumb"},"inLanguage":"id","potentialAction":[{"@type":"ReadAction","target":["https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/"]}]},{"@type":"ImageObject","inLanguage":"id","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#primaryimage","url":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-content\/uploads\/2025\/12\/12.jpg","contentUrl":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-content\/uploads\/2025\/12\/12.jpg","width":1200,"height":726},{"@type":"BreadcrumbList","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-agustus-2021\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/beta.toffeedev.com\/mandiri-new\/"},{"@type":"ListItem","position":2,"name":"Money Market Commentary : Agustus 2021"}]},{"@type":"WebSite","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/#website","url":"https:\/\/beta.toffeedev.com\/mandiri-new\/","name":"Mandiri Investasi","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/beta.toffeedev.com\/mandiri-new\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"id"},{"@type":"Person","@id":"https:\/\/beta.toffeedev.com\/mandiri-new\/#\/schema\/person\/d4f79fcbde41e42dea0b3a51ad8a8c77","name":"Mandiri Investasi","image":{"@type":"ImageObject","inLanguage":"id","@id":"https:\/\/secure.gravatar.com\/avatar\/210ab4183e509b3d4da31280b378c29131c1197eb0078f9fd85c2f685b36ca05?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/210ab4183e509b3d4da31280b378c29131c1197eb0078f9fd85c2f685b36ca05?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/210ab4183e509b3d4da31280b378c29131c1197eb0078f9fd85c2f685b36ca05?s=96&d=mm&r=g","caption":"Mandiri Investasi"},"url":"https:\/\/beta.toffeedev.com\/mandiri-new\/author\/abdel\/"}]}},"_links":{"self":[{"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/posts\/10569","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/comments?post=10569"}],"version-history":[{"count":1,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/posts\/10569\/revisions"}],"predecessor-version":[{"id":10570,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/posts\/10569\/revisions\/10570"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/media\/6198"}],"wp:attachment":[{"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/media?parent=10569"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/categories?post=10569"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/beta.toffeedev.com\/mandiri-new\/wp-json\/wp\/v2\/tags?post=10569"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}