Mau Buka Tabungan Deposito Bunga Tinggi di BPR? Baca Ini Dulu
Deposito merupakan salah satu produk simpanan yang ditawarkan oleh bank dengan sistem penyetoran dana di awal serta ketentuan pencairan yang telah ditetapkan sebelumnya. Meskipun deposito dari bank besar sering kali dikenal dengan bunga yang relatif kecil, hal ini tidak berlaku pada deposito dari bank perkreditan rakyat (BPR).
Sebagaimana yang kita ketahui, beberapa BPR menawarkan tingkat bunga deposito di atas 6,5% per tahun.
Salah satu keunggulan memiliki deposito adalah adanya fitur pendapatan tetap, risiko yang rendah, serta sifatnya yang sederhana. Instrumen ini mudah dipahami dan memberikan pendapatan tetap, artinya kita akan menerima imbal hasil secara reguler dari dana yang kita tempatkan.
Namun, apakah deposito dari BPR merupakan pilihan yang tepat untuk mendiversifikasi investasi Anda? Mari kita simak ulasannya.
LPS tidak sembarangan dalam menjamin simpanan deposito
Meskipun wajar bagi setiap bank untuk menawarkan tingkat bunga deposito yang tinggi, namun Lembaga Penjamin Simpanan (LPS) hanya akan menjamin simpanan deposito sesuai dengan tingkat bunga penjaminan yang telah ditetapkan.
Apabila sebuah bank atau BPR menawarkan tingkat bunga deposito di atas tingkat bunga penjaminan yang ditetapkan oleh LPS, maka simpanan tersebut tidak akan dijamin oleh LPS. Untuk periode 01 Februari 2024 hingga 31 Mei 2024, tingkat bunga penjaminan LPS adalah 4,25% untuk bank umum dan 6,75% untuk BPR.
Cek legalitas BPR
Penting untuk memantau legalitas BPR yang menawarkan produk deposito dengan cermat. Sebelum terbuai oleh promosi atau penawaran deposito dengan imbal hasil tinggi, disarankan untuk melakukan pengecekan terlebih dahulu melalui situs Otoritas Jasa Keuangan (OJK).
Cek kesehatan keuangan BPR yang bersangkutan
Selain itu, penting juga untuk memeriksa kondisi keuangan BPR yang dituju. Keterbukaan informasi keuangan dari BPR dapat diakses melalui laporan keuangan yang biasanya tersedia di situs mereka. Transparansi keuangan ini dapat membantu investor untuk menilai kemampuan likuiditas bank tempat mereka menyimpan dana.
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