{"id":178001,"date":"2025-11-25T10:22:08","date_gmt":"2025-11-25T03:22:08","guid":{"rendered":"https:\/\/www.hashmicro.com\/id\/blog\/?p=178001"},"modified":"2026-01-21T10:04:11","modified_gmt":"2026-01-21T03:04:11","slug":"loan-to-deposit-ratio","status":"publish","type":"post","link":"https:\/\/www.hashmicro.com\/id\/blog\/loan-to-deposit-ratio\/","title":{"rendered":"Loan to Deposit Ratio: Strategi Optimasi Likuiditas Perbankan"},"content":{"rendered":"<p data-start=\"0\" data-end=\"224\"><strong data-start=\"0\" data-end=\"25\">Loan to Deposit Ratio<\/strong> yang tidak seimbang sering muncul ketika lembaga keuangan terlalu agresif menyalurkan kredit tanpa menjaga likuiditas. Kondisi ini dapat memicu risiko operasional dan menurunkan kepercayaan nasabah.<\/p>\n<p data-start=\"226\" data-end=\"441\">Banyak manajer keuangan kesulitan memantau LDR karena keterbatasan data real-time. Penggunaan sistem akuntansi otomatis yang terintegrasi untuk keuangan memungkinkan analisis rasio dilakukan lebih cepat dan akurat demi menjaga stabilitas likuiditas perusahaan secara berkelanjutan.<\/p>\n<p data-start=\"443\" data-end=\"659\" data-is-last-node=\"\" data-is-only-node=\"\">Artikel ini akan membahas konsep, perhitungan, dan strategi pengelolaan LDR yang relevan. Anda akan melihat bagaimana teknologi membantu lembaga keuangan mengambil keputusan yang lebih aman dan terukur.<\/p>\n<table style=\"border-collapse: collapse; background-color: #fffacd; box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1); border-radius: 25px 25px 25px 25px;\" width=\"100%\">\n<tbody>\n<tr>\n<td style=\"padding: 15px; border: none;\">\n<h3 style=\"margin-bottom: 10px;\"><span style=\"background-color: #990000; color: #ffffff; padding: 5px;\"><b>Key Takeaways<\/b><\/span><\/h3>\n<ul>\n<li aria-level=\"1\"><a href=\"#a\"><strong>Loan to Deposit Ratio (LDR) adalah<\/strong><\/a> rasio yang menunjukkan keseimbangan antara penyaluran kredit dan dana yang dihimpun untuk menilai kesehatan likuiditas serta efektivitas intermediasi bank.<\/li>\n<li aria-level=\"1\"><a href=\"#b\"><strong>Loan to Deposit Ratio dihitung dengan<\/strong><\/a> membagi total kredit terhadap dana pihak ketiga, sehingga bank dapat menilai kesehatan likuiditas dan efektivitas penyaluran dananya.<\/li>\n<li><a href=\"https:\/\/www.hashmicro.com\/id\/blog\/rekomendasi-software-akuntansi-di-indonesia\/\"><strong data-start=\"0\" data-end=\"33\" data-is-only-node=\"\">Software Accounting<\/strong><\/a>\u00a0membantu memantau Loan to Deposit Ratio secara real-time sehingga keputusan likuiditas dapat diambil dengan lebih cepat dan akurat.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div id=\"toc_group_article\" style=''>\r\n\t<p style='font-size:25px;font-weight:bold; margin-bottom:0px'>\r\n\t\tDaftar Isi:\r\n\t<\/p>\r\n\t<ul id=\"list_toc\" class='list_toc'><\/ul>\r\n<\/div>\r\n\r\n<div id=\"placeholder-toc\"><\/div>\r\n<div id=\"toc\">\r\n    <div class=\"header\">\r\n\t<span class=\"toc-title\" id=\"toc-title\">Daftar Isi<\/span>\t\r\n\t <i class=\"toc-icon\">\r\n        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"30\" height=\"30\" viewBox=\"0 0 24 24\" fill=\"none\" stroke=\"#000\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" class=\"header-icon\">\r\n          <path d=\"m6 9 6 6 6-6\" \/>\r\n        <\/svg>\r\n      <\/i>\r\n\t<\/div>\r\n    <div class=\"list\">\r\n      <ul id=\"toc-list\"><\/ul>\r\n    <\/div>\r\n <\/div>\r\n\r\n<style>\r\n\/* Simple styling for the TOC *\/\r\n\t\r\n\t#toc ul li:last-child {\r\n    padding-bottom: 16px; \/* Adjust the value as needed *\/\r\n}\r\n\r\n.td-fix-index {\r\n\t transform: unset !important;\r\n     -webkit-transform: unset !important; \r\n}\r\n.footer-contact .td-fix-index {\r\n\t transform: translateZ(0) !important;\r\n     -webkit-transform: translateZ(0) !important; 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\/\/ Declare activeLink outside the loop\r\n\t\r\n\/\/   \/\/ Function to handle scroll and add\/remove .sticky class\r\n\/\/   function handleScroll() {\r\n\/\/     const windowTop = window.pageYOffset || document.documentElement.scrollTop;\r\n\/\/     let currentHeader = '';\r\n\r\n\/\/     \/\/ Highlight user progress as the heading comes\r\n\/\/     headers.forEach(header => {\r\n\/\/ \t\tconst headerTop = header.offsetTop;\r\n\/\/ \t\tconst headerHeight = header.clientHeight;\r\n\/\/ \/\/ \t\tif (window.scrollY >= (headerTop - headerHeight + 700)) {\r\n\/\/ \/\/ \t\t\tconst currentHeaderId = header.getAttribute('id');\r\n\/\/ \/\/ \t\t\tconst currentHeaderText = document.getElementById(currentHeaderId).textContent;\r\n\/\/ \/\/ \t\t\tconsole.log(\"current header text:\", currentHeaderText);\r\n\/\/ \/\/ \t\t\ttocTitle.textContent = currentHeaderText;\r\n\/\/ \/\/ \t\t\tcurrentHeader = currentHeaderId;\r\n\t\t\t\r\n\/\/ \/\/ \t\t\tif(window.innerWidth < 767){\r\n\/\/ \/\/ \t\t\t\ttocTitle.textContent = 'Daftar Isi';\r\n\/\/ \/\/ \t\t\t}\r\n\/\/ \/\/ \t\t}\r\n\/\/ \t\tif(window.innerWidth < 767){\r\n\/\/ \t\t\ttocTitle.textContent = 'Daftar Isi'; \/\/ Selalu pertahankan judul ini di mobile\r\n\/\/ \t\t} else {\r\n\/\/ \t\t\tif (window.scrollY >= (headerTop - headerHeight + 700)) {\r\n\/\/ \t\t\t\tconst currentHeaderId = header.getAttribute('id');\r\n\/\/ \t\t\t\tconst currentHeaderText = document.getElementById(currentHeaderId).textContent;\r\n\/\/ \t\t\t\ttocTitle.textContent = currentHeaderText;\r\n\/\/ \t\t\t\tcurrentHeader = currentHeaderId;\r\n\/\/ \t\t\t}\r\n\/\/ \t\t}\r\n\/\/ \t});\r\n\r\n\/\/     navLinks.forEach(link => {\r\n\/\/       link.classList.remove('active');\r\n\/\/       if(currentHeader != '') {\r\n\/\/ \t\t  if (link.getAttribute('href').includes(currentHeader)) {\r\n\/\/ \t\t\t  link.classList.add('active');\r\n\/\/ \t\t  }\r\n\/\/ \t  }\r\n\/\/     });\r\n\/\/ \/\/     if (windowTop < triggerFooterPoint) {\r\n\/\/ \/\/         toc.style.display = 'block';\r\n\/\/ \/\/ \t}else{\r\n\/\/ \/\/         toc.style.display = 'none';\r\n\/\/ \/\/ \t}\r\n\/\/     \/\/ Update TOC title if sticky\r\n\/\/     if (windowTop > triggerPoint) {\r\n\/\/       if (!toc.classList.contains('sticky')) {\r\n\/\/         phtoc.style.display = \"block\";\r\n\/\/         toc.classList.add('sticky');\r\n\/\/         toc.style.width = `${tocParent.offsetWidth}px`; \/\/ Set width to match the parent element\r\n\/\/         toc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\/\/         toc.style.backgroundColor = \"#FFF\";\r\n\/\/ \t\tpanel2.style.height = '0px';\r\n\/\/ \t\t  icon.style.transform = \"rotate(180deg)\";\r\n\/\/ \t\t  if(window.innerWidth < 767){\r\n\/\/ \/\/ \t\t\t  const tocs = document.querySelector('#toc.sticky');\r\n\/\/ \t\t\t  tocTitle.textContent = 'Daftar Isi'; \/\/ Reset title\r\n\/\/        \t\t  toc.style.width = '150px'; \/\/ Set width to match the parent element\r\n\/\/ \t\t  }\r\n\/\/       }\r\n\/\/       if (currentHeader) {\r\n\/\/ \/\/         console.log(\"activeLink:\", activeLink);\r\n\/\/         if (activeLink) {\r\n\/\/ \/\/           tocTitle.textContent = activeLink.textContent; \/\/ Update TOC title\r\n\/\/           tocTitle.textContent = activeLink ? activeLink.textContent : \"\"; \/\/ Update title only if activeLink exists\r\n\/\/         }\r\n\/\/       }\r\n\/\/     } else {\r\n\/\/       toc.classList.remove('sticky');\r\n\/\/       phtoc.style.display = \"none\";\r\n\/\/       toc.style.width = 'unset'; \/\/ Reset to original width\r\n\/\/       toc.style.backgroundColor = \"#FFF\";\r\n\/\/       tocTitle.textContent = 'Daftar isi'; \/\/ Reset title\r\n\/\/ \t\tpanel2.style.height = panel2.scrollHeight + \"px\";\r\n\/\/ \t\ticon.style.transform = \"rotate(180deg)\";\r\n\/\/     }\r\n\/\/   }\r\n\r\n\/\/     \/\/ Attach the scroll event listener to the window\r\n\/\/     window.addEventListener('scroll', handleScroll);\r\n\r\n\/\/     \/\/ Initial call to handleScroll to set the correct state on load\r\n\/\/     handleScroll();\r\n\/\/ });\r\n\t\r\n\/\/ \t\/\/ Open toggle TOC\r\n\/\/ \t  document.addEventListener(\"DOMContentLoaded\", function() {\r\n\/\/ \t\tvar tocHeader = document.querySelector(\"#toc .header\");\r\n\/\/ \t\tvar toc = document.querySelector(\"#toc\");\r\n\/\/ \t\tvar icon = document.querySelector(\".toc-icon\");\r\n\/\/ \t\tconst tocTitle = document.querySelector('#toc-title');\r\n\/\/ \t\tconst tocs = document.querySelector('#toc.sticky');\r\n\/\/  \t\tconst tocParent = toc.parentElement;\t\t  \r\n\r\n\/\/ \t\t  tocHeader.addEventListener(\"click\", function() {\r\n\/\/ \t\t\tvar panel = this.nextElementSibling;\r\n\/\/ \t\t\tif (panel.style.height !== '0px') { \/\/ Check if height is not 0px\r\n\/\/ \t\t\t  panel.style.height = '0px'; \/\/ Set height to 0 for full collapse\r\n\/\/ \t\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\/\/ \/\/ \t\t\t\ttoc.style.paddingBottom = '6px'; \r\n\/\/ \t\t\t\tif(window.innerWidth > 768){\r\n\/\/ \t\t\t\t\tif(!toc.classList.contains('sticky')){\r\n\/\/ \t\t\t\t\t\ttoc.style.width = \"unset\";\r\n\/\/ \/\/ \t\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\/\/ \t\t\t\t\t}\r\n\/\/ \t\t\t\t\tif (toc.classList.contains('sticky')){\r\n\/\/ \t\t\t\t\t\ttoc.style.width = '${tocParent.offsetWidth}px';\r\n\/\/ \t\t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\/\/ \t\t\t\t\t}\r\n\/\/ \t\t\t\t}\r\n\/\/ \t\t\t\tif(window.innerWidth < 767){\r\n\/\/ \t\t\t\t\ttoc.style.width = \"unset\"; \/\/ Reset width\r\n\/\/ \t\t\t\t}\r\n\/\/ \t\t\t\ttoc.style.backgroundColor = \"#FFF1F1\";\r\n\/\/ \t\t\t} else {\r\n\/\/ \t\t\t  panel.style.height = panel.scrollHeight + \"px\";\r\n\/\/ \t\t\t  icon.style.transform = \"rotate(0deg)\";\r\n\/\/ \t\t\t  toc.style.backgroundColor = \"#FFF\";\r\n\/\/ \t\t\t  tocTitle.textContent = 'Daftar isi'; \/\/ Reset title\r\n\/\/ \t\t\t\ttoc.style.paddingBottom = '24px';\r\n\/\/ \t\t\t \tif(window.innerWidth < 767){\r\n\/\/ \t\t\t\t\ttoc.style.width = `${tocParent.offsetWidth}px`; \/\/ Set width to match the parent element\r\n\/\/ \t\t\t\t\ttoc.setAttribute('style', 'width: ' + tocParent.offsetWidth + 'px !important;');\r\n\/\/ \t\t\t\t}\r\n\/\/ \t\t\t}\r\n\/\/ \t\t  });\r\n\r\n\/\/ \t\t  \/\/ Close TOC when a link inside it is clicked\r\n\/\/ \t\t  var tocLinks = document.querySelectorAll(\"#toc .list a\");\r\n\/\/ \t\t  tocLinks.forEach(function(link) {\r\n\/\/ \t\t\tlink.addEventListener(\"click\", function() {\r\n\/\/ \t\t\t  var panel = document.querySelector(\"#toc .list\");\r\n\/\/ \t\t\t  panel.style.height = '0px'; \/\/ Set height to 0 for full collapse\r\n\/\/ \t\t\t  icon.style.transform = \"rotate(180deg)\";\r\n\/\/ \t\t\t  toc.style.backgroundColor = \"#FFF\";\r\n\/\/ \t\t\t});\r\n\/\/ \t\t  });\r\n\/\/ \t\t});\r\n\r\n\/\/ START new JS for ToC improvements\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n  const toc = document.querySelector('#toc');\r\n  const footer = document.querySelector('.td-footer-template-wrap');\r\n  const tocParent = toc.parentElement;\r\n  const divTop = tocParent.getBoundingClientRect().top + window.pageYOffset;\r\n  const tocHeight = toc.offsetHeight;\r\n  const triggerPoint = divTop + tocHeight + 1750;\r\n\tconsole.log(triggerPoint)\r\n  const footerHeight = footer.offsetHeight;\r\n  const triggerFooterPoint = footer.getBoundingClientRect().top + window.pageYOffset - footerHeight*3;\r\n  const phtoc = document.querySelector('#placeholder-toc');\r\n  const headers = document.querySelectorAll('.td-post-content h2');\r\n  const navLinks = document.querySelectorAll('#toc-list a');\r\n  \r\n  const panel2 = document.querySelector(\"#toc .list\");\r\n  const icon = document.querySelector(\".toc-icon\");\r\n  const tocTitle = document.querySelector('#toc-title');\r\n\r\n  let activeLink = null;\r\n  let userClosedTOC = false; \/\/ Flag user menutup TOC\r\n\r\n  function handleScroll() {\r\n    const windowTop = window.pageYOffset || document.documentElement.scrollTop;\r\n    let currentHeader = '';\r\n\r\n    \/\/ Update TOC title sesuai header yang terlihat\r\n    headers.forEach(header => {\r\n      const headerTop = header.offsetTop;\r\n      const headerHeight = header.clientHeight;\r\n      if(window.innerWidth < 767){\r\n        tocTitle.textContent = 'Daftar Isi'; \r\n      } else {\r\n        if (window.scrollY >= (headerTop - headerHeight + 1750)) {\r\n          const currentHeaderId = header.getAttribute('id');\r\n          const currentHeaderText = document.getElementById(currentHeaderId).textContent;\r\n          tocTitle.textContent = currentHeaderText;\r\n          currentHeader = currentHeaderId;\r\n        }\r\n      }\r\n    });\r\n\r\n    navLinks.forEach(link => {\r\n      link.classList.remove('active');\r\n      if(currentHeader && link.getAttribute('href').includes(currentHeader)) {\r\n        link.classList.add('active');\r\n      }\r\n    });\r\n\r\n    if (windowTop > triggerPoint) {\r\n      if (!toc.classList.contains('sticky')) {\r\n        phtoc.style.display = \"block\";\r\n        toc.classList.add('sticky');\r\n        toc.style.width = `${tocParent.offsetWidth}px`;\r\n        toc.style.backgroundColor = \"#FFF\";\r\n        \/\/ Saat sticky, TOC otomatis tertutup\r\n        panel2.style.height = '0px';\r\n        icon.style.transform = \"rotate(180deg)\";\r\n        userClosedTOC = true; \/\/ Set flag supaya tidak terbuka saat scroll\r\n      }\r\n      \r\n      if(window.innerWidth < 767){\r\n        tocTitle.textContent = 'Daftar Isi'; \r\n        toc.style.width = '150px';\r\n      }\r\n\r\n    } else {\r\n      toc.classList.remove('sticky');\r\n      phtoc.style.display = \"none\";\r\n      toc.style.width = 'unset';\r\n      toc.style.backgroundColor = \"#FFF\";\r\n      tocTitle.textContent = 'Daftar isi'; \r\n\r\n      \/\/ Kembalikan panel jika user belum menutup manual\r\n      if(!userClosedTOC) {\r\n        panel2.style.height = panel2.scrollHeight + \"px\";\r\n        icon.style.transform = \"rotate(0deg)\";\r\n      }\r\n    }\r\n  }\r\n\r\n  window.addEventListener('scroll', handleScroll);\r\n  handleScroll();\r\n\r\n  \/\/ Toggle TOC saat user klik\r\n  const tocHeader = document.querySelector(\"#toc .header\");\r\n  tocHeader.addEventListener(\"click\", function() {\r\n    const panel = panel2;\r\n    if (panel.style.height !== '0px') {\r\n      panel.style.height = '0px';\r\n      icon.style.transform = \"rotate(180deg)\";\r\n      userClosedTOC = true;\r\n    } else {\r\n      panel.style.height = panel.scrollHeight + \"px\";\r\n      icon.style.transform = \"rotate(0deg)\";\r\n      userClosedTOC = false;\r\n    }\r\n  });\r\n\r\n  \/\/ Close TOC saat link diklik\r\n  document.querySelectorAll(\"#toc .list a\").forEach(link => {\r\n    link.addEventListener(\"click\", function() {\r\n      panel2.style.height = '0px';\r\n      icon.style.transform = \"rotate(180deg)\";\r\n      userClosedTOC = true;\r\n    });\r\n  });\r\n});\r\n\/\/ END new JS for ToC improvements\r\n\r\n\t\r\n\/\/ \tmake the heading at the center of the viewport\r\n\/\/ \tdocument.addEventListener('DOMContentLoaded', function() {\r\n\/\/     \/\/ Add click event listener to all links in the TOC list\r\n\/\/     document.querySelectorAll('#toc-list a').forEach(anchor => {\r\n\/\/         anchor.addEventListener('click', function (e) {\r\n\/\/             e.preventDefault(); \/\/ Prevent the default behavior of jumping to the anchor\r\n\/\/ \/\/ \t\t\tconsole.log(\"prevent default\");\r\n\/\/             const targetId = this.getAttribute('href').substring(1); \/\/ Get the ID of the target element\r\n\/\/             const targetElement = document.getElementById(targetId); \/\/ Get the target element\r\n\r\n\/\/             if (targetElement) {\r\n\/\/                 const headerHeight = document.querySelector('#toc .header').offsetHeight; \/\/ Get the height of the fixed header\r\n\/\/                 const windowHeight = window.innerHeight; \/\/ Get the height of the viewport\r\n\/\/                 const targetOffset = targetElement.offsetTop; \/\/ Get the top offset of the target element\r\n\/\/                 const scrollTo = targetOffset + (windowHeight \/ 2) + (headerHeight); \/\/ Calculate the scroll position to center the target element\r\n\r\n\/\/                 \/\/ Scroll to the calculated position smoothly\r\n\/\/                 window.scrollTo({\r\n\/\/                     top: scrollTo,\r\n\/\/                     behavior: 'smooth'\r\n\/\/                 });\r\n\/\/             }\r\n\/\/         });\r\n\/\/     });\r\n\/\/ });\r\n<\/script>\r\n\r\n<script>\r\n    \/\/ Scrollspy function to highlight the active TOC item based on the scroll position\r\n  function scrollSpy(tocClass) {\r\n    const scrollPosition = window.scrollY;\r\n\r\n    \/\/ Find the active h2 and h3 headings based on their position in the corresponding TOC\r\n    let activeH2 = null;\r\n    let activeH3 = null;\r\n\r\n    const tocItems = document.querySelectorAll(`.${tocClass} li`);\r\n    tocItems.forEach(item => {\r\n      const a = item.querySelector('a');\r\n      if (!a) return;\r\n      const href = a.getAttribute('href');\r\n      const targetId = href.substring(1); \/\/ Remove the '#' from the href to get the target ID\r\n      const targetElement = document.getElementById(targetId);\r\n      if (!targetElement) return;\r\n\r\n      const targetTop = targetElement.getBoundingClientRect().top + scrollPosition;\r\n      const nextItem = item.nextElementSibling;\r\n      const nextTop = nextItem ? nextItem.getBoundingClientRect().top + scrollPosition : Infinity;\r\n\r\n      if (targetTop <= scrollPosition + 150) {\r\n        if (a.parentElement.parentElement === tocItems) {\r\n          \/\/ The h2 heading is at the root level of the TOC\r\n          activeH2 = { id: targetId, level: 'h2' };\r\n        } \r\n\t\t  else {\r\n          \/\/ The h3 heading is nested under an h2 heading\r\n          const parentH2 = a.parentElement.parentElement.previousElementSibling;\r\n          if (parentH2) {\r\n            const h2Link = parentH2.querySelector('a');\r\n            if (h2Link) {\r\n              const h2Href = h2Link.getAttribute('href');\r\n              const h2Id = h2Href.substring(1);\r\n              activeH2 = { id: h2Id, level: 'h2' };\r\n            }\r\n          }\r\n          activeH3 = { id: targetId, level: 'h3' };\r\n        }\r\n      }\r\n\r\n      if (targetTop > scrollPosition + 150 && nextTop > scrollPosition + 150 && !activeH3) {\r\n        \/\/ Reset the activeH2 when there are no more active h3 headings\r\n        activeH2 = null;\r\n      }\r\n    });\r\n\r\n    \/\/ Update the active state for the TOC items\r\n    tocItems.forEach(item => {\r\n      item.classList.remove('active');\r\n      const a = item.querySelector('a');\r\n      if (a) {\r\n        const href = a.getAttribute('href');\r\n        const targetId = href.substring(1);\r\n        if ((activeH2 && activeH2.id === targetId) || (activeH3 && activeH3.id === targetId)) {\r\n          item.classList.add('active');\r\n        }\r\n      }\r\n    });\r\n  }\r\n\r\n  \/\/ Call scrollSpy for each TOC on window scroll\r\n  const tocClasses = ['list_toc', 'list_toc_float']; \/\/ Add other TOC class names here if you have more than two instances\r\n  tocClasses.forEach(tocClass => {\r\n    window.addEventListener('scroll', () => scrollSpy(tocClass));\r\n  });\r\n<\/script>\r\n\r\n<!-- ToC List for desktop side bar, diganti jadi inject by php, di code snippet \"Sidebar Accordion\" -->\r\n<!-- <script>\r\n\tdocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n        \/\/ Fungsi untuk membuat nested list\r\n        function createNestedList(parentNode, children) {\r\n            if (children.length === 0) return;\r\n\r\n            const nestedUl = document.createElement('ul');\r\n            children.forEach(child => {\r\n                const nestedLi = document.createElement('li');\r\n                const nestedA = document.createElement('a');\r\n                nestedA.textContent = child.title;\r\n                nestedA.href = `#${child.id}`;\r\n                nestedLi.appendChild(nestedA);\r\n                nestedUl.appendChild(nestedLi);\r\n\r\n                if (child.children.length > 0) {\r\n                    createNestedList(nestedLi, child.children);\r\n                }\r\n            });\r\n\r\n            parentNode.appendChild(nestedUl);\r\n        }\r\n\r\n        \/\/ Membuat objek untuk menyimpan daftar h2 dan h3 beserta judulnya\r\n        const headings = [];\r\n\r\n           \/\/ Mengambil semua elemen h2 dan h3\r\n        \/\/ Mengambil semua elemen h2 dan h3\r\n\t\tconst elements = document.querySelectorAll('.td-post-content h2');\r\n\r\n\t\t\tfunction newFormatId(text) {\r\n\t\t\t\tif(text.toLowerCase() === \"key takeaways\") {\r\n\t\t\t\t\treturn;\r\n\t\t\t\t}\r\n\t\t\t\t\r\n\t\t\t\tconst result = text.toLowerCase()\r\n\t\t\t\t.trim()\r\n\t\t\t\t.replace(\/[^\\w\\s-]\/g, '')  \/\/ hapus tanda baca\r\n\t\t\t\t.replace(\/\\s+\/g, '-'); \/\/ ganti spasi jadi \"-\"\r\n\r\n\t\t\t\treturn result;\r\n\t\t\t}\r\n\t\r\n\t\telements.forEach(element => {\r\n\t\t\tif (element.tagName === 'H2') {\r\n\t\t\t\tconst id = newFormatId(element.textContent); \/\/ Hasilkan ID baru\r\n\t\t\t\telement.id = id; \/\/ Tetapkan ID ke elemen h2\r\n\t\t\t\tif (element.textContent.toLowerCase() === \"key takeaways\") {return;} \/\/ Kalau Key Takeaways, jangan dimasukin\r\n\t\t\t\theadings.push({ level: 'h2', id: id, title: element.textContent, children: [] });\r\n\t\t\t} else if (element.tagName === 'H3') {\r\n\t\t\t\tconst id = newFormatId(element.textContent); \/\/ Hasilkan ID baru\r\n\t\t\t\telement.id = id; \/\/ Tetapkan ID ke elemen h3\r\n\t\t\t\tif (headings.length > 0) {\r\n\t\t\t\t\theadings[headings.length - 1].children.push({ level: 'h3', id: id, title: element.textContent, children: [] });\r\n\t\t\t\t}\r\n\t\t\t}\r\n\t\t});\r\n       \/\/ Membuat list HTML dari objek headings\r\n\t\tconst ul = document.getElementById('list_toc');\r\n\t\tlet currentUl = ul;\r\n\t\theadings.forEach(heading => {\r\n\t\t\tconst li = document.createElement('li');\r\n\t\t\tconst a = document.createElement('a');\r\n\t\t\ta.textContent = heading.title;\r\n\t\t\ta.href = `#${heading.id}`; \/\/ Gunakan ID yang baru dihasilkan\r\n\t\t\tli.appendChild(a);\r\n\r\n\t\t\tif (heading.level === 'h2') {\r\n\t\t\t\tcurrentUl = li;\r\n\t\t\t\tul.appendChild(li);\r\n\t\t\t} else if (heading.level === 'h3') {\r\n\t\t\t\tif (!currentUl.lastElementChild || currentUl.lastElementChild.tagName !== 'UL') {\r\n\t\t\t\t\tconst nestedUl = document.createElement('ul');\r\n\t\t\t\t\tcurrentUl.appendChild(nestedUl);\r\n\t\t\t\t\tcurrentUl = nestedUl;\r\n\t\t\t\t}\r\n\t\t\t\tcurrentUl.appendChild(li);\r\n\t\t\t}\r\n\r\n\t\t\tcreateNestedList(li, heading.children);\r\n\t\t});\r\n\t\t\/\/ Dapatkan elemen ul dengan id 'list_toc'\r\n\t\tconst ulFloat = document.getElementById('list_toc');\r\n\r\n\t\t\/\/ Dapatkan isi (child elements) dari ul dengan id 'list_toc'\r\n\t\tconst clonedChildren = ulFloat.cloneNode(true).children;\r\n\r\n\t\t\/\/ Dapatkan elemen ul dengan id 'list_toc_float'\r\n\t\tconst ulToc = document.getElementById('list_toc_float');\r\n\r\n\t\t\/\/ Tambahkan isi yang telah didapatkan dari 'list_toc' ke ul dengan id 'list_toc_float'\r\n\t\tulToc.append(...clonedChildren);\r\n\r\n\r\n        \/\/ Fungsi untuk mengambil tinggi navbar\r\n\t\tfunction getNavbarHeight() {\r\n\t\t\tconst navbar = document.getElementById('tdi_34');\r\n\t\t\treturn navbar ? navbar.offsetHeight : 0;\r\n\t\t}\r\n\r\n\t\t\/\/ Fungsi untuk menambahkan offset posisi scroll\r\n\t\tfunction scrollToElementWithOffset(elementId) {\r\n\t\t\tconst element = document.getElementById(elementId);\r\n\t\t\tif (element) {\r\n\t\t\t\tconst offset = getNavbarHeight();\r\n\t\t\t\tconst elementPosition = element.getBoundingClientRect().top;\r\n\t\t\t\tconst offsetPosition = elementPosition - offset - 40;\r\n\r\n\t\t\t\twindow.scrollBy({\r\n\t\t\t\t\ttop: offsetPosition,\r\n\t\t\t\t\tbehavior: 'smooth'\r\n\t\t\t\t});\r\n\t\t\t}\r\n\t\t}\r\n\r\n\t\t\/\/ Fungsi untuk menangani klik pada tautan judul\r\n\t\tfunction handleTitleClick(event) {\r\n\t\t\tevent.preventDefault();\r\n\t\t\tconst href = event.target.getAttribute('href').substr(1);\r\n\t\t\tscrollToElementWithOffset(href);\r\n\t\t}\r\n\r\n\t\t\/\/ Tambahkan event listener untuk semua tautan judul\r\n\t\tconst titleLinks = document.querySelectorAll('a[href^=\"#\"]');\r\n\t\ttitleLinks.forEach(link => {\r\n\t\t\tlink.addEventListener('click', handleTitleClick);\r\n\t\t});\r\n\t\t\r\n\t});\r\n    <\/script> -->\r\n<\/span><\/p>\n<p><span data-sheets-root=\"1\">\r\n\r\n<script>\r\n    \/\/ check which image to use based on screensize\r\n    document.addEventListener(\"DOMContentLoaded\", function() {\r\n        function updateImageSource() {\r\n            var images = document.querySelectorAll('.responsive-image-banner');\r\n            var screenWidth = window.innerWidth;\r\n\r\n            images.forEach(function(img) {\r\n                var mobileSrc = img.getAttribute('data-mobile-src');\r\n                var desktopSrc = img.getAttribute('data-desktop-src');\r\n\r\n                if (screenWidth < 576 && mobileSrc) {\r\n                    img.setAttribute('src', mobileSrc);\r\n                } else {\r\n                    img.setAttribute('src', desktopSrc);\r\n                }\r\n            });\r\n        }\r\n\r\n        \/\/ Initial check\r\n        updateImageSource();\r\n\r\n        \/\/ Update on resize\r\n        window.addEventListener('resize', updateImageSource);\r\n    });\r\n<\/script><\/span><\/p>\n<h2>Apa Itu Loan to Deposit Ratio (LDR) dalam Konteks Bisnis?<\/h2>\n<p><span id=\"a\"><\/span><em>Loan to Deposit Ratio<\/em> atau LDR adalah rasio keuangan fundamental yang mengukur seberapa agresif sebuah bank dalam menyalurkan kredit dibandingkan dengan dana yang dihimpun. Rasio ini berfungsi sebagai termometer kesehatan likuiditas yang menunjukkan kemampuan bank membayar kembali kewajiban kepada nasabah. Bagi saya, LDR adalah cerminan langsung dari keberhasilan fungsi intermediasi sebuah bank.<\/p>\n<p>Angka LDR yang terlalu tinggi mengindikasikan bank mungkin terlalu agresif dan berisiko mengalami masalah likuiditas mendadak. Sebaliknya, angka yang terlalu rendah menandakan bank tidak efisien dalam memutar dana masyarakat menjadi laba. Pemantauan rasio ini secara harian sangat krusial untuk menjaga kepercayaan investor dan nasabah korporasi.<br \/>\n<span id=\"b\"><\/span><\/p>\n<h2>Komponen Utama dan Rumus Menghitung LDR<\/h2>\n<p>Perhitungan Loan to Deposit Ratio (LDR) bergantung pada dua komponen utama yang harus diklasifikasikan secara tepat. Pemahaman yang keliru terhadap komponen ini dapat menghasilkan rasio yang menyesatkan, terutama saat digunakan dalam <a href=\"https:\/\/www.hashmicro.com\/id\/blog\/rasio-solvabilitas\/\">analisis rasio solvabilitas untuk menilai kesehatan perbankan<\/a> dan pengambilan keputusan strategis.<\/p>\n<h3>1. Total kredit yang diberikan (loans)<\/h3>\n<p>Total kredit mencakup seluruh volume pinjaman yang telah disalurkan bank kepada pihak ketiga, tidak termasuk kredit kepada bank lain. Angka ini haruslah nilai bersih yang belum dikurangi cadangan kerugian penurunan nilai namun masih dalam kategori lancar. Penggunaan software akuntansi modern sangat membantu memastikan data kredit ini terintegrasi langsung tanpa input manual.<\/p>\n<h3>2. Dana pihak ketiga (deposits)<\/h3>\n<p>Dana Pihak Ketiga (DPK) adalah kewajiban bank yang terdiri dari giro, tabungan, dan deposito berjangka dari masyarakat. Komponen ini merupakan bahan bakar utama operasional kredit dan sangat sensitif terhadap fluktuasi suku bunga pasar. Saya menyarankan pemantauan DPK dilakukan secara <em>real-time<\/em> karena sifatnya yang bisa ditarik sewaktu-waktu oleh nasabah.<\/p>\n<h3>3. Formula perhitungan dan contoh kasus<\/h3>\n<p>Rumus dasar LDR adalah membagi total kredit dengan total DPK, kemudian hasilnya dikalikan seratus persen untuk mendapatkan persentase. Sebagai contoh, jika Bank A menyalurkan kredit Rp850 miliar dan menghimpun dana Rp1 triliun, maka LDR-nya adalah 85 persen. Angka ini kemudian harus disandingkan dengan ambang batas regulasi untuk menentukan status kesehatan bank.<\/p>\n<h2>Standar Batas Aman LDR Menurut Regulasi di Indonesia<\/h2>\n<p>Bank Indonesia (BI) dan OJK telah menetapkan ketentuan ketat mengenai rentang LDR ideal demi menjaga stabilitas sistem keuangan nasional. Secara umum, batas aman yang sering dijadikan acuan target berada di kisaran 78 persen hingga 92 persen. Angka ini bisa berubah tergantung pada kebijakan insentif makroprudensial yang diterapkan oleh regulator pada tahun berjalan.<\/p>\n<p>Jika LDR bank Anda berada di bawah batas bawah, artinya bank terlalu likuid namun gagal mengoptimalkan potensi laba dari dana menganggur. Namun jika melebihi batas atas, bank dianggap <em>over-liquid<\/em> dan sangat rentan terhadap risiko gagal bayar saat terjadi penarikan dana besar-besaran. Kepatuhan terhadap standar ini wajib dijaga untuk menghindari sanksi administratif atau denda GWM.<\/p>\n<h2>Faktor-Faktor Strategis yang Mempengaruhi LDR<\/h2>\n<p>Pergerakan rasio LDR tidak terjadi di ruang hampa, melainkan dipengaruhi oleh berbagai faktor internal dan eksternal yang saling tarik-menarik. Memahami faktor pendorong ini membantu <em>decision maker<\/em> menyusun strategi proaktif dalam menjaga likuiditas. Berikut adalah variabel utama yang dapat menggeser posisi LDR perusahaan Anda secara signifikan.<\/p>\n<h3>1. Kebijakan kredit dan suku bunga<\/h3>\n<p>Tingkat suku bunga adalah instrumen paling efektif untuk mengendalikan volume kredit dan DPK dalam waktu singkat. Kenaikan suku bunga simpanan biasanya akan meningkatkan DPK dan menurunkan LDR jika penyaluran kredit cenderung stagnan. Manajemen harus cermat menyeimbangkan <em>pricing<\/em> produk agar rasio tetap berada di zona hijau.<\/p>\n<h3>2. Kondisi ekonomi makro<\/h3>\n<p>Inflasi dan pertumbuhan PDB memiliki dampak langsung terhadap kemampuan debitur mengambil kredit dan masyarakat menabung. Pada masa ekonomi sulit, permintaan kredit mungkin turun drastis sementara masyarakat lebih memilih memegang uang tunai. Sistem <a href=\"https:\/\/www.hashmicro.com\/id\/blog\/accounting-ai-software\/\" target=\"_blank\" rel=\"noopener\">software AI akuntansi otomatis<\/a> dapat membantu Anda melakukan <em>forecasting<\/em> kondisi ini berdasarkan data historis yang akurat.<\/p>\n<h3>3. Jangka waktu pinjaman (tenor)<\/h3>\n<p>Struktur tenor pinjaman sangat mempengaruhi kecepatan perputaran dana kembali ke dalam kas bank Anda. Ketidakseimbangan antara kredit jangka panjang dan deposito jangka pendek dapat meningkatkan risiko <em>maturity mismatch<\/em> yang berbahaya. Analisis LDR harus selalu dibarengi dengan analisis gap likuiditas untuk mitigasi risiko tersebut.<\/p>\n<h2>Dampak LDR Terhadap Kesehatan Finansial Bank<\/h2>\n<p>LDR memiliki dampak ganda yang mempengaruhi profitabilitas di satu sisi dan keamanan likuiditas di sisi lainnya. LDR yang tinggi memang berpotensi meningkatkan <em>Return on Assets<\/em> (ROA) karena aset produktif bekerja maksimal menghasilkan bunga. Namun tanpa cadangan likuiditas sekunder, bank berisiko mengalami <em>liquidity crunch<\/em> yang mahal biaya pemulihannya.<\/p>\n<p>Sebaliknya, LDR rendah menunjukkan inefisiensi intermediasi yang membebani bank dengan biaya bunga simpanan tanpa pendapatan memadai. Kondisi ini dapat menurunkan margin bunga bersih (NIM) dan mengecewakan pemegang saham karena modal tidak diputar optimal. Pengelolaan dinamis menggunakan teknologi adalah kunci menyeimbangkan risiko dan profitabilitas ini.<\/p>\n<h2>Strategi Mengelola LDR dengan Bantuan Teknologi<\/h2>\n<p>Bank modern kini mengandalkan pendekatan berbasis teknologi untuk menjaga Loan to Deposit Ratio tetap stabil secara berkelanjutan. Integrasi data keuangan menjadi fondasi penting dalam <a href=\"https:\/\/www.hashmicro.com\/id\/blog\/cost-control\/\">strategi cost control perbankan untuk menjaga likuiditas dan rasio keuangan<\/a>, terutama ketika volume transaksi semakin kompleks.<\/p>\n<h3>1. Otomatisasi pelaporan keuangan<\/h3>\n<p>Penggunaan software terintegrasi memungkinkan bank menarik data posisi kredit dan DPK secara otomatis setiap hari. Sistem modern mampu menyajikan laporan rasio keuangan secara instan tanpa menunggu tutup buku akhir bulan. Hal ini menghilangkan jeda informasi yang sering menjadi penyebab keterlambatan respon manajemen terhadap isu likuiditas.<\/p>\n<h3>2. Monitoring cash flow real-time<\/h3>\n<p>Manajemen LDR sangat erat kaitannya dengan ketersediaan arus kas tunai saat dibutuhkan oleh nasabah. Fitur peramalan arus kas pada sistem ERP membantu memprediksi kebutuhan likuiditas masa depan berdasarkan pola jatuh tempo. Bank dapat menyusun strategi <em>fundraising<\/em> yang lebih terukur untuk mencegah kejutan likuiditas.<\/p>\n<h3>3. Integrasi data antar cabang<\/h3>\n<p>Konsolidasi data LDR dari seluruh unit kerja sering menjadi tantangan tersendiri bagi bank dengan banyak cabang. Solusi berbasis <em>cloud<\/em> memungkinkan sentralisasi data secara <em>real-time<\/em> untuk visibilitas penuh bagi kantor pusat. Koordinasi dalam menyeimbangkan target kredit dan dana antar cabang menjadi jauh lebih efisien.<\/p>\n<h2>Optimalkan Manajemen Bisnis Anda dengan Solusi dari HashMicro<\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"aligncenter size-full wp-image-178045\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting.webp\" alt=\"rasio solvabilitas\" width=\"1920\" height=\"1316\" srcset=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting.webp 1920w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-300x206.webp 300w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-1024x702.webp 1024w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-768x526.webp 768w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-1536x1053.webp 1536w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-613x420.webp 613w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-150x103.webp 150w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-218x150.webp 218w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-696x477.webp 696w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-1068x732.webp 1068w, https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2024\/03\/HashMicro-Accounting-100x70.webp 100w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/><\/p>\n<p>HashMicro menyediakan sistem ERP terintegrasi yang dirancang khusus untuk mengotomatisasi dan menyederhanakan proses bisnis, termasuk pengelolaan rasio keuangan perbankan. Dengan solusi yang komprehensif, perusahaan dapat mengatasi tantangan seperti pelaporan likuiditas yang lambat, kesalahan perhitungan manual, dan sulitnya memantau kesehatan bank secara real-time.<\/p>\n<p>Melalui modul <a href=\"https:\/\/www.hashmicro.com\/id\/sistem-akuntansi\"><strong>HashMicro Accounting Software<\/strong><\/a> yang canggih, perusahaan dapat memproses data transaksi lebih cepat, mengurangi risiko <em>human error<\/em>, serta mendapatkan analisis LDR yang akurat setiap saat. Sistem ini dilengkapi dengan fitur otomasi laporan keuangan, <em>cash flow forecasting<\/em>, dan integrasi langsung dengan operasional kredit untuk memastikan kepatuhan terhadap regulasi BI.<\/p>\n<p>Sistem HashMicro dirancang dengan integrasi penuh antar modul, sehingga data dari berbagai departemen seperti kredit, pendanaan, dan akuntansi dapat saling terhubung dalam satu platform. Hal ini memberikan visibilitas menyeluruh terhadap posisi likuiditas bank dan memastikan setiap keputusan strategis didasarkan pada informasi yang valid dan terkini.<\/p>\n<p><strong>Fitur Software Akuntansi HashMicro:<\/strong><\/p>\n<ul>\n<li><strong>Financial Ratio Analysis:<\/strong> Menyajikan perhitungan rasio keuangan otomatis termasuk LDR, membantu manajemen memantau kesehatan bank secara instan tanpa perhitungan manual.<\/li>\n<li><strong>Cash Flow Forecasting:<\/strong> Memprediksi arus kas masuk dan keluar di masa depan untuk mencegah risiko likuiditas dan merencanakan strategi pendanaan yang lebih baik.<\/li>\n<li><strong>Bank Reconciliation:<\/strong> Mengotomatiskan proses pencocokan data transaksi bank dengan pembukuan internal, memastikan akurasi data DPK yang digunakan untuk perhitungan LDR.<\/li>\n<li><strong>Multi-Branch Consolidation:<\/strong> Mengonsolidasikan laporan keuangan dari seluruh cabang secara <em>real-time<\/em>, memudahkan kantor pusat dalam memantau posisi likuiditas secara agregat.<\/li>\n<li><strong>Automated Reporting:<\/strong> Menghasilkan laporan keuangan standar regulasi secara otomatis, menghemat waktu tim finance dan memastikan kepatuhan pelaporan tepat waktu.<\/li>\n<\/ul>\n<p>Dengan HashMicro, institusi keuangan Anda dapat meningkatkan efisiensi operasional, transparansi data, dan manajemen risiko likuiditas yang lebih baik. Untuk melihat bagaimana solusi kami dapat membantu bisnis Anda secara nyata, jangan ragu untuk <a href=\"https:\/\/www.hashmicro.com\/id\/tour-produk-gratis\/\" target=\"_blank\" rel=\"noopener\">mencoba demo gratisnya sekarang juga<\/a>.<\/p>\n<h2>Kesimpulan<\/h2>\n<p data-start=\"0\" data-end=\"244\"><strong data-start=\"0\" data-end=\"31\">Loan to Deposit Ratio (LDR)<\/strong> adalah indikator penting yang membantu bank menjaga keseimbangan antara profitabilitas dan likuiditas. Pengelolaan LDR yang tepat memastikan dana masyarakat digunakan secara produktif tanpa mengorbankan keamanan.<\/p>\n<p data-start=\"246\" data-end=\"481\">Untuk mencapai kestabilan tersebut, lembaga keuangan membutuhkan pemantauan data yang cepat dan akurat. Software akuntansi yang sesuai dengan kebutuhan bisnis\u00a0menyediakan analisis real-time yang membantu Anda mengoptimalkan pengambilan keputusan finansial.<\/p>\n<p data-start=\"483\" data-end=\"710\" data-is-last-node=\"\" data-is-only-node=\"\">Dengan sistem yang lebih transparan dan terukur, strategi pertumbuhan dapat dijalankan dengan lebih percaya diri. Anda dapat mencoba <a href=\"https:\/\/www.hashmicro.com\/id\/tour-produk-gratis\/\"><strong data-start=\"616\" data-end=\"631\">konsultasi gratis<\/strong><\/a> untuk melihat bagaimana teknologi ini memperkuat manajemen LDR di bisnis Anda.<\/p>\n<p data-start=\"483\" data-end=\"710\" data-is-last-node=\"\" data-is-only-node=\"\"><span data-sheets-root=\"1\"><a href=\"https:\/\/www.hashmicro.com\/id\/sistem-akuntansi?medium=moneysite-banner\" target=\"_blank\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2026\/01\/accounting-definitive.webp\" data-desktop-src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2026\/01\/accounting-definitive.webp\" data-mobile-src=\"https:\/\/www.hashmicro.com\/id\/blog\/wp-content\/uploads\/2026\/01\/accounting-definitive-m.webp\" alt=\"Accounting_Definisi\" class=\"responsive-image-banner\"><\/a>\r\n\r\n<script>\r\n    \/\/ check which image to use based on screensize\r\n    document.addEventListener(\"DOMContentLoaded\", function() {\r\n        function updateImageSource() {\r\n            var images = document.querySelectorAll('.responsive-image-banner');\r\n            var screenWidth = window.innerWidth;\r\n\r\n            images.forEach(function(img) {\r\n                var mobileSrc = img.getAttribute('data-mobile-src');\r\n                var desktopSrc = img.getAttribute('data-desktop-src');\r\n\r\n                if (screenWidth < 576 && mobileSrc) {\r\n                    img.setAttribute('src', mobileSrc);\r\n                } else {\r\n                    img.setAttribute('src', desktopSrc);\r\n                }\r\n            });\r\n        }\r\n\r\n        \/\/ Initial check\r\n        updateImageSource();\r\n\r\n        \/\/ Update on resize\r\n        window.addEventListener('resize', updateImageSource);\r\n    });\r\n<\/script><\/span><\/p>\n<h2><strong>Pertanyaan Seputar Loan to Deposit Ratio<\/strong><\/h2>\n<ul class=\"bottom_faq\">\n<li>\n<details>\n<summary><strong>Apa perbedaan LDR dengan LCR?<\/strong><\/summary>\n<p>LDR mengukur fungsi intermediasi jangka panjang (kredit vs dana), sedangkan LCR mengukur ketahanan likuiditas jangka pendek (30 hari) dalam skenario stres.<\/p>\n<\/details>\n<\/li>\n<li>\n<details>\n<summary><strong>Apakah LDR tinggi selalu buruk?<\/strong><\/summary>\n<p>Tidak selalu, LDR tinggi (dalam batas wajar) menandakan efisiensi penyaluran kredit. Namun, jika melebihi batas regulasi, risiko gagal bayar meningkat drastis.<\/p>\n<\/details>\n<\/li>\n<li>\n<details>\n<summary><strong>Bagaimana cara menurunkan LDR yang tinggi?<\/strong><\/summary>\n<p>Bank dapat mengerem penyaluran kredit baru atau secara agresif meningkatkan penghimpunan Dana Pihak Ketiga (DPK) melalui promosi bunga simpanan.<\/p>\n<\/details>\n<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Loan to Deposit Ratio yang tidak seimbang sering muncul ketika lembaga keuangan terlalu agresif menyalurkan kredit tanpa menjaga likuiditas. Kondisi ini dapat memicu risiko operasional dan menurunkan kepercayaan nasabah. Banyak manajer keuangan kesulitan memantau LDR karena keterbatasan data real-time. Penggunaan sistem akuntansi otomatis yang terintegrasi untuk keuangan memungkinkan analisis rasio dilakukan lebih cepat dan akurat [&hellip;]<\/p>\n","protected":false},"author":164,"featured_media":178021,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1232],"tags":[],"class_list":{"0":"post-178001","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-accounting"},"acf":{"post_reviewer":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.1 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Loan to Deposit Ratio: Strategi Optimasi Likuiditas Perbankan &#187; HashMicro Indonesia<\/title>\n<meta name=\"description\" content=\"Pelajari loan to deposit ratio untuk memahami keseimbangan kredit dan dana di bank Anda. 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