JAKARTA, AKSIKATA.COM – Berdasarkan data bulanan, Otoritas Jasa Keuangan (OJK) melaporkan terdapat 127 perusahaan pembiayaan yang telah memenuhi ketentuan batas minimum pembiayaan produktif 10% pada Desember 2019.
Sisanya, menurut Kepala Departemen Industri Keuangan Non-Bank 2B OJK Bambang W Budiawan, yaitu beberapa perusahaan pembiayaan yang pembiayaannya produktif masih di bawah 10% lebih disebabkan oleh pilihan model bisnis yang dilakukan oleh perusahaan. “Sebagai contoh, beberapa multifinance households financing yang seluruhnya pembiayaannya ke sektor konsumtif atau tidak produktif,” kata Bambang di Jakarta, Rabu (11/3/2020).
OJK, lanjut dia, akan melakukan penilaian atas hal ini kepada masing-masing perusahaan tersebut mengapa tidak dapat melakukan penyaluran ke sektor produktif. OJK berpendapat seharusnya apabila perusahaan tersebut sudah dapat menghasilkan laba yang cukup lama di bisnis non-produktif, perusahaan seharusnya dapat melakukan profiling current customer sebagai potential customer di sektorproduktif.
“OJK akan aktif melakukan monitoring pertumbuhan piutang pembiayaan produktif melalui evaluasi rencana bisnis tahunan perusahaan dan mendorong perusahaan pembiayaan untuk melakukan penyaluran pembiayaan ke sektor prioritas pemerintah,” ungkap dia.
Bambang menegaskan, OJK akan mengenakan sanksi administrasi secara bertahap kepada perusahaan pembiayaan yang tidak memenuhi batas minimal pembiayaan produktif. Sanksi tersebut berupa surat peringatan, pembekuan kegiatan usaha dan pencabutan izin usaha.
“Sanksi dikenakan apabila perusahaan tidak menyampaikan atau tidak melaksanakan rencana pemenuhan yang telah disetujui OJK,” ucapnya tandas.
Peraturan OJK (POJK) No 35/POJK.05/2018 mengatur batas minimal pembiayaan produktif 10% dari total portofolio pembiayaan perusahaan pembiayaan. Berdasarkan beleid itu, ketentuan batas minimum pembiayaan produktif akan berlaku secara bertahap, yaitu minimum 5% paling lambat 2021 dan 10% paling lambat 2023.
Berdasarkan ketentuan Pasal 111 di POJK teresebut, perusahaan pembiayaan yang tidak memenuhi ketentuan batas minimum pembiayaan produktif wajib menyampaikan rencana pemenuhan paling lama 1 (satu) bulan sejak tanggal penetapan oleh OJK atas terjadinya pelanggaran.
Despite the strong scientific consensus on its efficacy as an ergogenic assist, so far no opposed well being risks have been identified with creatine supplementation [25].
However, a standard facet impact of short-term
creatine loading protocols is transient BM acquire because
of water retention [27,28]. This increase in FFM resulting from creatine supplementation also impacts lactate
distribution space [4,22]. When deciding on a creatine
supplement, it’s essential to evaluate your particular person needs and targets.
Consider the type of creatine that aligns along with your exercise regimen and health goals.
Creatine monohydrate is extensively researched and praised for its efficacy in enhancing muscle performance, whereas creatine phosphate serves as a direct vitality
source for muscle contractions.
Different occasions, the creatine is micronized, or mechanically processed to enhance water
solubility. In principle, better water solubility might enhance your body’s
capability to absorb it (22). Creatine anhydrous is 100 percent
creatine by weight, whereas the monohydrate form is
about 90% creatine by weight. This can improve train efficiency and should even help fight disease (4,
5).
In addition to salt formation, creatine is ready to act as a complexing
agent. Nonetheless, it is necessary to note that more analysis is required to substantiate the protection and efficacy of taking
creatine nitrate and creatine monohydrate together.
Some experts are also in favor of neglecting the considered combining creatine monohydrate and creatine nitrate collectively.
Sure, you’ll find a way to positively take creatine nitrate and creatine monohydrate collectively.
Since each supplements work similarly, combining them in optimum dosage certainly results extremely.
After analyzing the supported advantages, we’ve also encountered some queries relating to whether or not can you take creatine nitrate and
creatine monohydrate collectively or not,
so we decided to undergo the facts. Additionally, the vast majority of
analysis on creatine supplementation has
focused on Creatine Monohydrate, reinforcing its status for effectiveness and bioavailability.
Although there is less research obtainable on creatine HCL compared to monohydrate, preliminary
studies and anecdotal evidence recommend that it may require a lower dosage to realize related benefits
due to its enhanced absorption charges. You could be
thinking, ‘these benefits sounds compelling’,
and you’d be right, they’re. Nevertheless, the vast majority of
research on creatine’s efficacy, including its security profile and long-term effects on muscle development and performance, has been conducted using creatine monohydrate.
Consequently, while Creatine HCL presents an intriguing different,
notably for people who could not tolerate monohydrate properly, the foundational advantages
of creatine supplementation as a complete,
remain constant throughout each forms. By replenishing ATP levels extra efficiently,
creatine supplementation permits athletes, bodybuilders and everyday lively people to maintain up larger efficiency ranges.
This interprets to vital enhancements in energy, energy
output, and muscle endurance, which can help you push tougher throughout workouts and get well quicker between units (Wu, S et
al., 2022).
It is a buffered creatine molecule, which means that it is processed with a better pH than conventional creatine monohydrate.
The high alkaline pH (normally above 12) protects the molecules during their path by way of the digestive system, permitting for
extra creatine to reach in the muscle cells. Primarily, creatine supplements
refill your muscle cells with the ultimate word vitality increase, making sure you
have got the juice to kick your exercises up a notch. Whether
you’re sprinting, lifting, or leaping, creatine is there to turn your effort into overdrive, helping you work tougher, recuperate
quicker, and get stronger, quicker. So, if you’re trying to degree up your recreation, get
ready to satisfy your new workout wingman.
Regardless Of these issues, the International
Society of Sports Diet factors to creatine as one of many most secure and most helpful sports activities dietary supplements.
Creatine supplementation might enhance anterior compartment strain within the decrease leg so athletes could need to be careful with
creatine supplementation if they’re susceptible to shin issues.
Based on current data, long-term creatine supplementation does not end
in opposed health effects. About 20 percent of creatine users are deemed “non-responders.” This may happen as
a result of they have already got a excessive sufficient dietary intake
of creatine from entire meals.
Adding to the above-mentioned protective effects of Creatine during a hypoxic situation, special advantages of creatine
on the CNS have been confirmed. The term excitotoxicity describes the destruction of neuronal cells because of pathological activation of its
excitatory receptors [202]. Analysis was able to show that
excitatory amino acids, such as Glutamate, become extra neurotoxic when the cell’s power
ranges are lowered by hypoxia [211]. Activation of
the glutamate NMDA receptor correlates with decreased ATP and PCr ranges [212].
Intravenous in vivo administration of phosphocreatine was able to confer significant
myocardial protection after bypass surgery [188], leading to a discount in the incidence of ventricular fibrillation and myocardial infarction as well as arrhythmias [189].
The newly developed special form of creatine, cyclo-creatine, deserves special consideration. After an oral
loading section previous to elective cardiac interventions
(PCI, ACVB, HTX), cyclo-creatine has an identical protective impact against deadly occasions
[183,187,a hundred ninety,191].
Armed with many training certifications and an exercise science educating degree,
Mike has been working for over 6 years now, helping others obtain optimum
health. Once More a study was carried out during which forty eight individuals
underwent a 28-day double-blind trial. Participants obtained a similar CrN therapy as per research 1 or ingested 3
g of CrM.
Around 1–2% of creatine stored within the muscle tissue is broken down into creatinine earlier than leaving the body if you urinate.
People who train regularly and have more muscle mass tend to have higher creatinine levels.
The breakdown of creatine to creatinine occurs more typically in people with more muscle mass, however we all experience
some type of it in our our bodies from doing any type of physical activity.
Creatine gives your muscular tissues power, whereas creatinine may inform you more about your physique
from the byproduct of that power. This creatine mixed with a good
amount of nutritional vitamins and minerals, make pork a superb alternative in bettering strength,
enhance lean muscle mass, and assist in muscle recovery during and after train (7).
It’s conglomerate of water molecule and creatine
– scientifically defined creatine monohydrate (or creatine
monohydrate). It’s undisputed that this is considered one of the hottest and acknowledged forms of this supplement.
Two teams, separated by gender, had a muscle biopsy taken, which was then analyzed for CreaT mRNA, CreaT protein, and complete creatine content.
The results failed to show any differences between genders in neither complete creatine content material nor CreaT protein quantity, with CreaT
protein expression biggest in sort I fibers than in type II muscle fibers.
Lastly, outcomes concluded that there was an inverse relationship between complete creatine content material and CreaT protein content for females.
It was famous that this relationship was also very close to being vital for males as well; after an outlier was removed, each genders proved statistically important.
Therefore, as complete creatine content material will increase, the creatine transporter content material decreases, and vice
versa.
Maternal creatine supplementation has been reported to enhance
neonatal survival and organ perform following delivery asphyxia in animals [277,278,279,281,282,283,285].
In humans, there is proof that the creatine wants of the mom increase during
being pregnant [7,280]. Consequently, there has been curiosity in figuring out the role of creatine throughout
being pregnant on fetal development, improvement, and health of the mom and youngster [7,280,286,287,288].
Obtainable literature suggests that creatine metabolism might play a vital role in the
bioenergetics of profitable replica and that creatine supplementation may enhance reproductive and/or perinatal outcomes [7,277,278,279,280,283,284,286,288].
In the past, there have been concerns concerning the risks of taking a creatine supplement.
There have been claims that it labored like a steroid and caused
a selection of unfavorable unwanted effects like weight gain, hair loss and kidney problems.
If you’ve spent a while perfecting your supplement regime,
you already know that adding creatine to the combo is a
no-brainer.
✔️ No Loading Section Required – Unlike traditional creatine, Kre-Alkalyn® is very bioavailable, that means you get the advantages and not utilizing a loading phase or
biking. Several studies have also evaluated whether or not co-ingestion of creatine with different vitamins might affect creatine retention. Initial work by Green and colleagues (Green et al.
1996a, b) demonstrated that co-ingesting creatine (5 g) with
large amounts of glucose (e.g., ninety five g) enhanced creatine and carbohydrate
storage in muscle. Subsequent studies by Steenge et al.
(2000) discovered ingesting creatine (5 g) with 47–97 g of carbohydrate and 50 g of protein also enhanced creatine
retention. The researchers suggested that creatine transport was mediated partly by
glucose and insulin. As a end result, extra analysis has been undertaken to evaluate the effect of co-ingesting creatine with vitamins which will improve
insulin sensitivity on creatine retention. CM is dissolved in its personal crystal water and
dispersed right into a secure protective matrix containing carbohydrates
(Kessel et al. 2004).
[12] Creatine monohydrate and Kre-Alkalyn had been in contrast in a double-blind placebo research with 32
resistance-trained individuals. Both teams increased muscle
creatine, fat-free mass and power with no significant distinction between the 2 groups.
This means that Buffered Creatine is not
superior to creatine monohydrate, it just has a a lot bigger price tag.
The authors argued for the attainable advantages of creatine supplementation by
means of hypertrophic mechanisms activation and
additional muscle mass acquire in educated rats, which
was depending on a higher workload [48]. Creatine supplements
are in style among athletes who take part in endurance or power sports activities (activities
that require quick bursts of energy). The commonest sort of creatine supplement is creatine
monohydrate, which increases muscle performance in high-intensity resistance exercises.
In quick, ingested creatine travels to your skeletal muscle
tissue where it is converted into phosphoric acid or phosphocreatine.
This compound helps create adenosine triphosphate (or ATP), which is the first
vitality supply for your muscles throughout exercise.
Creatine bolsters the continual provide of power (ATP)
to your muscles during intense exercise.
Timing your creatine intake doesn’t matter, so it principally comes down to comfort.
I advocate taking it with meals or after consuming to attenuate the chance of GI discomfort.
However, as we noticed from one paper above, HCL doesn’t look like
as efficient at lower doses. Creatine HCL is usually praised as a milder compound that delivers the same advantages in smaller doses without inflicting stomach discomfort.
In theory, this also needs to mean smaller doses of HCL
are enough to provide the same effects you’d get from 3-5 grams of monohydrate daily.
Creatine HCL is much extra soluble than monohydrate, which suggests a
significantly smaller amount of liquid (e.g.,
water) is sufficient to dissolve an efficient dose.
Dietary creatine is presumed to have high bioavailability since intestinal absorption of CM is already close to 100% (Deldicque et al.
2008). Nevertheless, the response to creatine supplementation is heterogeneous,
due partially to some non-responders, which could be overcome by alternative types of creatine (Greenhaff
1997b; Greenhaff et al. 1993). Several research have examined whether or
not different forms of creatine are more practical in phrases of
promoting muscle uptake of creatine than CM.
For example, a recent study examined the effect of the administration of three completely different types of creatine
on plasma creatine concentrations and pharmacokinetics.
Creatine monohydrate supplementation has been proven to increase fat-free mass and excessive muscle power,
presumably through cell swelling (8). Creatine monohydrate is a broadly known dietary complement that
enhances your muscle mass in a short duration. It additionally improves your high-intensity resistance train efficiency by serving to in ATP formation.
To date, a single examine taking a look at 11 men confirmed that the
increase in creatine stored in the muscle from supplementing creatine correlated with the increase in efficiency.
Those whose muscle tissue did not retailer more creatine didn’t see a rise in performance.
Based Mostly on muscle biopsies, the general characteristics of responders include having
larger and greater quantities of type II, fast-twitch muscle fibers and less creatine stored in the muscle
to begin with.
Despite the strong scientific consensus on its efficacy as an ergogenic assist, so far no opposed well being risks have been identified with creatine supplementation [25].
However, a standard facet impact of short-term
creatine loading protocols is transient BM acquire because
of water retention [27,28]. This increase in FFM resulting from creatine supplementation also impacts lactate
distribution space [4,22]. When deciding on a creatine
supplement, it’s essential to evaluate your particular person needs and targets.
Consider the type of creatine that aligns along with your exercise regimen and health goals.
Creatine monohydrate is extensively researched and praised for its efficacy in enhancing muscle performance, whereas creatine phosphate serves as a direct vitality
source for muscle contractions.
Different occasions, the creatine is micronized, or mechanically processed to enhance water
solubility. In principle, better water solubility might enhance your body’s
capability to absorb it (22). Creatine anhydrous is 100 percent
creatine by weight, whereas the monohydrate form is
about 90% creatine by weight. This can improve train efficiency and should even help fight disease (4,
5).
In addition to salt formation, creatine is ready to act as a complexing
agent. Nonetheless, it is necessary to note that more analysis is required to substantiate the protection and efficacy of taking
creatine nitrate and creatine monohydrate together.
Some experts are also in favor of neglecting the considered combining creatine monohydrate and creatine nitrate collectively.
Sure, you’ll find a way to positively take creatine nitrate and creatine monohydrate collectively.
Since each supplements work similarly, combining them in optimum dosage certainly results extremely.
After analyzing the supported advantages, we’ve also encountered some queries relating to whether or not can you take creatine nitrate and
creatine monohydrate collectively or not,
so we decided to undergo the facts. Additionally, the vast majority of
analysis on creatine supplementation has
focused on Creatine Monohydrate, reinforcing its status for effectiveness and bioavailability.
Although there is less research obtainable on creatine HCL compared to monohydrate, preliminary
studies and anecdotal evidence recommend that it may require a lower dosage to realize related benefits
due to its enhanced absorption charges. You could be
thinking, ‘these benefits sounds compelling’,
and you’d be right, they’re. Nevertheless, the vast majority of
research on creatine’s efficacy, including its security profile and long-term effects on muscle development and performance, has been conducted using creatine monohydrate.
Consequently, while Creatine HCL presents an intriguing different,
notably for people who could not tolerate monohydrate properly, the foundational advantages
of creatine supplementation as a complete,
remain constant throughout each forms. By replenishing ATP levels extra efficiently,
creatine supplementation permits athletes, bodybuilders and everyday lively people to maintain up larger efficiency ranges.
This interprets to vital enhancements in energy, energy
output, and muscle endurance, which can help you push tougher throughout workouts and get well quicker between units (Wu, S et
al., 2022).
It is a buffered creatine molecule, which means that it is processed with a better pH than conventional creatine monohydrate.
The high alkaline pH (normally above 12) protects the molecules during their path by way of the digestive system, permitting for
extra creatine to reach in the muscle cells. Primarily, creatine supplements
refill your muscle cells with the ultimate word vitality increase, making sure you
have got the juice to kick your exercises up a notch. Whether
you’re sprinting, lifting, or leaping, creatine is there to turn your effort into overdrive, helping you work tougher, recuperate
quicker, and get stronger, quicker. So, if you’re trying to degree up your recreation, get
ready to satisfy your new workout wingman.
Regardless Of these issues, the International
Society of Sports Diet factors to creatine as one of many most secure and most helpful sports activities dietary supplements.
Creatine supplementation might enhance anterior compartment strain within the decrease leg so athletes could need to be careful with
creatine supplementation if they’re susceptible to shin issues.
Based on current data, long-term creatine supplementation does not end
in opposed health effects. About 20 percent of creatine users are deemed “non-responders.” This may happen as
a result of they have already got a excessive sufficient dietary intake
of creatine from entire meals.
Adding to the above-mentioned protective effects of Creatine during a hypoxic situation, special advantages of creatine
on the CNS have been confirmed. The term excitotoxicity describes the destruction of neuronal cells because of pathological activation of its
excitatory receptors [202]. Analysis was able to show that
excitatory amino acids, such as Glutamate, become extra neurotoxic when the cell’s power
ranges are lowered by hypoxia [211]. Activation of
the glutamate NMDA receptor correlates with decreased ATP and PCr ranges [212].
Intravenous in vivo administration of phosphocreatine was able to confer significant
myocardial protection after bypass surgery [188], leading to a discount in the incidence of ventricular fibrillation and myocardial infarction as well as arrhythmias [189].
The newly developed special form of creatine, cyclo-creatine, deserves special consideration. After an oral
loading section previous to elective cardiac interventions
(PCI, ACVB, HTX), cyclo-creatine has an identical protective impact against deadly occasions
[183,187,a hundred ninety,191].
Armed with many training certifications and an exercise science educating degree,
Mike has been working for over 6 years now, helping others obtain optimum
health. Once More a study was carried out during which forty eight individuals
underwent a 28-day double-blind trial. Participants obtained a similar CrN therapy as per research 1 or ingested 3
g of CrM.
Around 1–2% of creatine stored within the muscle tissue is broken down into creatinine earlier than leaving the body if you urinate.
People who train regularly and have more muscle mass tend to have higher creatinine levels.
The breakdown of creatine to creatinine occurs more typically in people with more muscle mass, however we all experience
some type of it in our our bodies from doing any type of physical activity.
Creatine gives your muscular tissues power, whereas creatinine may inform you more about your physique
from the byproduct of that power. This creatine mixed with a good
amount of nutritional vitamins and minerals, make pork a superb alternative in bettering strength,
enhance lean muscle mass, and assist in muscle recovery during and after train (7).
It’s conglomerate of water molecule and creatine
– scientifically defined creatine monohydrate (or creatine
monohydrate). It’s undisputed that this is considered one of the hottest and acknowledged forms of this supplement.
Two teams, separated by gender, had a muscle biopsy taken, which was then analyzed for CreaT mRNA, CreaT protein, and complete creatine content.
The results failed to show any differences between genders in neither complete creatine content material nor CreaT protein quantity, with CreaT
protein expression biggest in sort I fibers than in type II muscle fibers.
Lastly, outcomes concluded that there was an inverse relationship between complete creatine content material and CreaT protein content for females.
It was famous that this relationship was also very close to being vital for males as well; after an outlier was removed, each genders proved statistically important.
Therefore, as complete creatine content material will increase, the creatine transporter content material decreases, and vice
versa.
Maternal creatine supplementation has been reported to enhance
neonatal survival and organ perform following delivery asphyxia in animals [277,278,279,281,282,283,285].
In humans, there is proof that the creatine wants of the mom increase during
being pregnant [7,280]. Consequently, there has been curiosity in figuring out the role of creatine throughout
being pregnant on fetal development, improvement, and health of the mom and youngster [7,280,286,287,288].
Obtainable literature suggests that creatine metabolism might play a vital role in the
bioenergetics of profitable replica and that creatine supplementation may enhance reproductive and/or perinatal outcomes [7,277,278,279,280,283,284,286,288].
In the past, there have been concerns concerning the risks of taking a creatine supplement.
There have been claims that it labored like a steroid and caused
a selection of unfavorable unwanted effects like weight gain, hair loss and kidney problems.
If you’ve spent a while perfecting your supplement regime,
you already know that adding creatine to the combo is a
no-brainer.
✔️ No Loading Section Required – Unlike traditional creatine, Kre-Alkalyn® is very bioavailable, that means you get the advantages and not utilizing a loading phase or
biking. Several studies have also evaluated whether or not co-ingestion of creatine with different vitamins might affect creatine retention. Initial work by Green and colleagues (Green et al.
1996a, b) demonstrated that co-ingesting creatine (5 g) with
large amounts of glucose (e.g., ninety five g) enhanced creatine and carbohydrate
storage in muscle. Subsequent studies by Steenge et al.
(2000) discovered ingesting creatine (5 g) with 47–97 g of carbohydrate and 50 g of protein also enhanced creatine
retention. The researchers suggested that creatine transport was mediated partly by
glucose and insulin. As a end result, extra analysis has been undertaken to evaluate the effect of co-ingesting creatine with vitamins which will improve
insulin sensitivity on creatine retention. CM is dissolved in its personal crystal water and
dispersed right into a secure protective matrix containing carbohydrates
(Kessel et al. 2004).
[12] Creatine monohydrate and Kre-Alkalyn had been in contrast in a double-blind placebo research with 32
resistance-trained individuals. Both teams increased muscle
creatine, fat-free mass and power with no significant distinction between the 2 groups.
This means that Buffered Creatine is not
superior to creatine monohydrate, it just has a a lot bigger price tag.
The authors argued for the attainable advantages of creatine supplementation by
means of hypertrophic mechanisms activation and
additional muscle mass acquire in educated rats, which
was depending on a higher workload [48]. Creatine supplements
are in style among athletes who take part in endurance or power sports activities (activities
that require quick bursts of energy). The commonest sort of creatine supplement is creatine
monohydrate, which increases muscle performance in high-intensity resistance exercises.
In quick, ingested creatine travels to your skeletal muscle
tissue where it is converted into phosphoric acid or phosphocreatine.
This compound helps create adenosine triphosphate (or ATP), which is the first
vitality supply for your muscles throughout exercise.
Creatine bolsters the continual provide of power (ATP)
to your muscles during intense exercise.
Timing your creatine intake doesn’t matter, so it principally comes down to comfort.
I advocate taking it with meals or after consuming to attenuate the chance of GI discomfort.
However, as we noticed from one paper above, HCL doesn’t look like
as efficient at lower doses. Creatine HCL is usually praised as a milder compound that delivers the same advantages in smaller doses without inflicting stomach discomfort.
In theory, this also needs to mean smaller doses of HCL
are enough to provide the same effects you’d get from 3-5 grams of monohydrate daily.
Creatine HCL is much extra soluble than monohydrate, which suggests a
significantly smaller amount of liquid (e.g.,
water) is sufficient to dissolve an efficient dose.
Dietary creatine is presumed to have high bioavailability since intestinal absorption of CM is already close to 100% (Deldicque et al.
2008). Nevertheless, the response to creatine supplementation is heterogeneous,
due partially to some non-responders, which could be overcome by alternative types of creatine (Greenhaff
1997b; Greenhaff et al. 1993). Several research have examined whether or
not different forms of creatine are more practical in phrases of
promoting muscle uptake of creatine than CM.
For example, a recent study examined the effect of the administration of three completely different types of creatine
on plasma creatine concentrations and pharmacokinetics.
Creatine monohydrate supplementation has been proven to increase fat-free mass and excessive muscle power,
presumably through cell swelling (8). Creatine monohydrate is a broadly known dietary complement that
enhances your muscle mass in a short duration. It additionally improves your high-intensity resistance train efficiency by serving to in ATP formation.
To date, a single examine taking a look at 11 men confirmed that the
increase in creatine stored in the muscle from supplementing creatine correlated with the increase in efficiency.
Those whose muscle tissue did not retailer more creatine didn’t see a rise in performance.
Based Mostly on muscle biopsies, the general characteristics of responders include having
larger and greater quantities of type II, fast-twitch muscle fibers and less creatine stored in the muscle
to begin with.