{"id":10669,"date":"2022-02-08T00:00:00","date_gmt":"2022-02-07T17:00:00","guid":{"rendered":"http:\/\/mandiri.test\/uncategorized-id\/money-market-commentary-januari-2022\/"},"modified":"2026-01-19T16:05:11","modified_gmt":"2026-01-19T09:05:11","slug":"money-market-commentary-januari-2022","status":"publish","type":"post","link":"https:\/\/beta.toffeedev.com\/mandiri-new\/artikel\/money-market-commentary-januari-2022\/","title":{"rendered":"Money Market Commentary : Januari 2022"},"content":{"rendered":"

Maintaining Year-End Liquidity<\/h2>\n

 <\/p>\n

Memasuki tahun 2022, perbankan telah melakukan normalisasi penawaran suku bunga deposito setelah menaikan suku bunga yang ditawarkan beberapa bank pada Desember 2021 untuk menjaga likuiditas. Suku bunga deposito Januari lebih rendah di mana beberapa bank besar menawarkan bunga terendah di bawah 2% selama 1 tahun. Hal tersebut menandakan likuiditas di perbankan masih sangat besar. Meskipun pertumbuhan kredit meningkat, kami melihat DPK juga tumbuh lebih tinggi. Bank Indonesia akan menaikkan giro wajib minimum (GWM) mulai Maret menjadi 5% dari saat ini 3,5%, dilanjutkan Juni menjadi 6% dan September 6,5%. Kebijakan ini diambil untuk mendukung stabilitas dan memitigasi dampak normalisasi moneter global, terutama suku bunga Fed yang akan disesuaikan pada Maret 2022. Kami tidak melihat kenaikan GWM yang lebih tinggi akan membuat permasalahan likuiditas di pasar yang akan mendorong kenaikan suku bunga pinjaman. Namun, dengan tren penurunan suku bunga deposito saat ini di bank besar, reksa dana pasar uang dapat memberikan imbal hasil yang lebih baik bagi investor.<\/p>\n

 <\/p>\n

Rekomendasi Produk<\/h2>\n

 <\/p>\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

<\/h3>\n

Info lebih lanjut<\/h3>\n

Hubungi Mandiri Investasi –\u00a0(021) 526 3505<\/a>
\nMandiri Investasi –\u00a0www.mandiri-investasi.co.id<\/a>
\nMoinves –\u00a0www.moinves.co.id<\/a><\/p>\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":"

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