{"id":15420,"date":"2025-10-24T11:50:00","date_gmt":"2025-10-24T11:50:00","guid":{"rendered":"https:\/\/www.ultimafx.co\/ms\/?p=15420"},"modified":"2026-06-11T10:43:11","modified_gmt":"2026-06-11T10:43:11","slug":"berapa-kadar-opr-malaysia-terkini","status":"publish","type":"post","link":"https:\/\/www.ultimafx.co\/ms\/academy\/berapa-kadar-opr-malaysia-terkini\/","title":{"rendered":"OPR Malaysia 2025: Kadar Semasa, Sejarah &amp; Ramalan 2026"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong><strong>OPR Malaysia 2025: Kadar Semasa, Sejarah &amp; Ramalan 2026<\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Setiap kali <strong>Bank Negara Malaysia (BNM)<\/strong> umum keputusan mesyuarat dasar monetari, istilah <strong>OPR Malaysia<\/strong> pasti jadi topik utama. Ada yang gembira sebab bayaran pinjaman kekal sama, ada juga yang risau bila kadar naik.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Artikel ini bukan untuk menerangkan maksud asas OPR (anda boleh rujuk artikel <a href=\"https:\/\/www.ultimafx.co\/ms\/academy\/apa-itu-opr\/\" target=\"_blank\" rel=\"noopener\" title=\"\">Apa Itu OPR<\/a> untuk itu), tetapi fokus pada <strong>kadar OPR Malaysia semasa, sejarah perubahan, serta arah dan sebab di sebaliknya.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Kadar-OPR-Malaysia-Sekarang-1024x683.png\" alt=\"Kadar OPR Malaysia Sekarang\" class=\"wp-image-15423\" srcset=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Kadar-OPR-Malaysia-Sekarang-1024x683.png 1024w, https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Kadar-OPR-Malaysia-Sekarang-300x200.png 300w, https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Kadar-OPR-Malaysia-Sekarang-768x512.png 768w, https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Kadar-OPR-Malaysia-Sekarang.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kadar OPR Malaysia Sekarang<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Setakat <strong>Oktober 2025<\/strong>, kadar <strong>OPR Malaysia kekal pada 2.75%<\/strong>, berdasarkan keputusan <strong>Mesyuarat Jawatankuasa Dasar Monetari (MPC)<\/strong> pada <strong>4 September 2025<\/strong>. Sebelum itu, pada <strong>9 Julai 2025<\/strong>, BNM menurunkan kadar sebanyak <strong>0.25 mata asas,<\/strong> potongan pertama sejak pandemik COVID-19 berakhir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BNM mengekalkan kadar 2.75% dengan <a href=\"https:\/\/www.reuters.com\/world\/asia-pacific\/malaysias-economy-projected-grow-4-48-this-year-central-bank-says-2025-07-28\/?\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">alasan<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inflasi dijangka rendah\u2013sederhana (unjuran BNM 2025: 1.5%\u20132.3%)<\/li>\n\n\n\n<li>Pertumbuhan domestik stabil (unjuran KDNK 2025: 4%\u20134.8%)<\/li>\n\n\n\n<li>Pendekatan berhati-hati berasaskan data selepas pemotongan 0.25% pada Julai 2025<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut kenyataan rasmi BNM:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201cPendekatan dasar semasa kekal menyokong pertumbuhan ekonomi sambil memastikan kestabilan harga.\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Dengan kadar ini, kos pinjaman di Malaysia masih dianggap sederhana, tidak terlalu menekan pengguna, tetapi cukup untuk mengekang inflasi berlebihan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sejarah Kadar OPR Malaysia (2019\u20132025)<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Perubahan OPR Malaysia lima tahun kebelakangan ini menunjukkan bagaimana BNM menyesuaikan kadar faedah mengikut fasa ekonomi, dari krisis COVID-19 hinggalah ke tempoh pemulihan.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Bulan \/ Tahun<\/td><td>Kadar OPR<\/td><td>Nota Ringkas<\/td><\/tr><tr><td>Mei 2019<\/td><td>3.00%<\/td><td>BNM turunkan dari 3.25% ke 3.00%.<\/td><\/tr><tr><td>Januari 2020<\/td><td>2.75%<\/td><td>Potongan awal tahun untuk sokong ekonomi.<\/td><\/tr><tr><td>Mac 2020<\/td><td>2.50%<\/td><td>Lebih banyak pelonggaran ketika krisis COVID-19 muncul.<\/td><\/tr><tr><td>Mei 2020<\/td><td>2.00%<\/td><td>Potongan agresif untuk bantu pemulihan.<\/td><\/tr><tr><td>Julai 2020<\/td><td>1.75%<\/td><td>Paras terendah dicatat dalam fasa ini.<\/td><\/tr><tr><td>Mei 2022<\/td><td>2.00%<\/td><td>BNM mula naikkan kadar apabila ekonomi pulih.<\/td><\/tr><tr><td>Julai 2022<\/td><td>2.25%<\/td><td>Kenaikan berperingkat bersambung.<\/td><\/tr><tr><td>September 2022<\/td><td>2.50%<\/td><td>Lanjutan kenaikan untuk kawal inflasi.<\/td><\/tr><tr><td>November 2022<\/td><td>2.75%<\/td><td>Kadar terus naik bagi tempoh pemulihan.<\/td><\/tr><tr><td>Mei 2023<\/td><td>3.00%<\/td><td>Mencapai paras tertinggi pasca-pandemik dalam tempoh ini.<\/td><\/tr><tr><td>Julai 2025<\/td><td>2.75%<\/td><td>BNM potong 25 mata asas dari 3.00%.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Sumber: <a href=\"https:\/\/www.bnm.gov.my\/monetary-stability\/opr-decisions?\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">Bank Negara Malaysia<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"718\" height=\"502\" src=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/COVID-19-Jejaskan-OPR-ke-1.75.png\" alt=\"COVID-19 Jejaskan OPR ke 1.75%\" class=\"wp-image-15426\" srcset=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/COVID-19-Jejaskan-OPR-ke-1.75.png 718w, https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/COVID-19-Jejaskan-OPR-ke-1.75-300x210.png 300w\" sizes=\"auto, (max-width: 718px) 100vw, 718px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Trend ini menunjukkan:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2020\u20132021: dasar ultra-longgar untuk bantu rakyat &amp; perniagaan semasa krisis.<\/li>\n\n\n\n<li>2022\u20132023: fasa pemulihan, OPR dinaikkan secara berperingkat.<\/li>\n\n\n\n<li>2024\u20132025: dasar lebih neutral; BNM mengekalkan keseimbangan antara pertumbuhan dan inflasi.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Faktor Ekonomi Di Sebalik Keputusan OPR Malaysia Terkini<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Perubahan OPR bukan dibuat secara rawak. BNM menilai pelbagai data sebelum membuat keputusan. Antara faktor utama yang mempengaruhi <strong>arah OPR Malaysia<\/strong> ialah:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Inflasi Tempatan<\/strong>\n<ul class=\"wp-block-list\">\n<li>Inflasi Malaysia dijangka rendah\u2013sederhana (<strong>1.5%\u20132.3%<\/strong> untuk 2025).<\/li>\n\n\n\n<li>Ini membolehkan BNM kekalkan kadar faedah sederhana tanpa risiko harga melonjak.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Pertumbuhan KDNK (Ekonomi)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Kadar pertumbuhan ekonomi Malaysia diunjur antara <strong>4\u20134.8%<\/strong> bagi 2025, disokong oleh pelaburan swasta dan eksport yang stabil.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Kadar Faedah Global<\/strong>\n<ul class=\"wp-block-list\">\n<li>Federal Reserve AS baru mula melonggarkan dasar (turunkan kadar 25 mata asas pada 17 September 2025 ke <strong>4.00%\u20134.25%<\/strong>), namun kadar ini <strong>masih berada pada tahap tinggi berbanding biasa<\/strong>, jadi BNM perlu berhati-hati agar jurang kadar tidak jejaskan aliran modal dan nilai ringgit.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Nilai Ringgit (MYR)<\/strong>\n<ul class=\"wp-block-list\">\n<li>Ringgit kekal lemah berbanding USD, tapi stabil hasil pendekatan \u201cdata-dependent\u201d BNM.<\/li>\n\n\n\n<li>Kenaikan mendadak OPR boleh kuatkan MYR, tapi juga boleh perlahankan ekonomi domestik, jadi BNM memilih jalan tengah.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"738\" height=\"484\" src=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/OPR-dan-Ringgit-Malaysia.png\" alt=\"OPR dan Ringgit Malaysia\" class=\"wp-image-15424\" srcset=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/OPR-dan-Ringgit-Malaysia.png 738w, https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/OPR-dan-Ringgit-Malaysia-300x197.png 300w\" sizes=\"auto, (max-width: 738px) 100vw, 738px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ramalan &amp; Prospek OPR Malaysia 2026<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut <a href=\"https:\/\/www.thestar.com.my\/business\/business-news\/2025\/09\/09\/bnm-likely-to---------maintain-opr-at-275?\" target=\"_blank\" rel=\"noopener nofollow\" title=\"\">Maybank IB<\/a> dan Kenanga Research, BNM dijangka mengekalkan kadar OPR pada <strong>2.75% sekurang-kurangnya sehingga akhir 2025<\/strong>, manakala untuk 2026 penganalisis memberi amaran bahawa dasar boleh menjadi kurang stabil, bergantung kepada data ekonomi dan perkembangan global.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Dua senario utama:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Jika inflasi meningkat melebihi 3%, BNM mungkin pertimbang naikkan semula OPR.<\/li>\n\n\n\n<li>Jika pertumbuhan global perlahan, BNM dijangka kekalkan atau menurunkan sedikit kadar untuk menyokong ekonomi.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">BNM sendiri menegaskan dasar monetari kekal <strong>\u201cdata-driven\u201d<\/strong>, bukan berdasarkan tarikh tetap. Ini bermakna setiap mesyuarat MPC akan menilai keadaan semasa sebelum buat sebarang pelarasan.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kesan Kadar OPR Semasa Terhadap Pasaran &amp; Rakyat<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dengan kadar <strong>2.75%<\/strong>, kos pinjaman di Malaysia masih dalam julat sederhana.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bagi pengguna:<\/strong> kadar pinjaman rumah &amp; kereta kekal stabil; beban ansuran tak meningkat banyak.<\/li>\n\n\n\n<li><strong>Bagi perniagaan:<\/strong> kadar ini bantu kekalkan kos pembiayaan rendah tanpa risiko inflasi berlebihan.<\/li>\n\n\n\n<li><strong>Bagi pelabur:<\/strong> kadar stabil beri keyakinan pada pasaran modal &amp; mata wang tempatan.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dalam konteks pasaran forex pula, kadar OPR Malaysia yang konsisten bantu mengekalkan kestabilan <strong>Ringgit (MYR)<\/strong> berbanding mata wang utama lain.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"732\" height=\"486\" src=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Overnight-Policy-Rate-OPR.png\" alt=\"Overnight Policy Rate OPR\" class=\"wp-image-15425\" srcset=\"https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Overnight-Policy-Rate-OPR.png 732w, https:\/\/www.ultimafx.co\/ms\/wp-content\/uploads\/sites\/25\/2025\/10\/Overnight-Policy-Rate-OPR-300x199.png 300w\" sizes=\"auto, (max-width: 732px) 100vw, 732px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Kesimpulan<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Secara keseluruhannya, <strong>OPR Malaysia<\/strong> kini berada pada tahap yang dianggap \u201cneutral\u201d, cukup untuk kawal inflasi, tetapi masih menyokong pertumbuhan. Kestabilan kadar ini memberi ruang kepada perniagaan, pelabur, dan rakyat untuk merancang kewangan dengan lebih yakin.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Untuk ikuti perkembangan ekonomi seperti kadar OPR Malaysia dan impaknya kepada pasaran global, anda boleh rujuk bahan pembelajaran di <strong>Ultima Markets<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kadar OPR Malaysia kekal 2.75% setakat Oktober 2025. Lihat sejarah perubahan kadar, sebab BNM kekalkan paras ini dan jangkaan 2026.<\/p>\n","protected":false},"author":53,"featured_media":15421,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,78],"tags":[],"class_list":["post-15420","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-academy","category-academy-new-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.6 (Yoast SEO v28.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>OPR Malaysia 2025: Kadar Semasa, Sejarah &amp; Ramalan 2026 | Ultima Markets<\/title>\n<meta name=\"description\" content=\"Kadar OPR Malaysia kekal 2.75% setakat Oktober 2025. 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