Policies, accessibility, and innovation of credit products that impact businesses and communities.
The government will provide relaxation of small business credit (KUR) distribution to three provinces affected by flooding in Sumatra within three years. Currently, the areas affected by the disaster are Aceh, North Sumatra, and West Sumatra.
The dominant contribution of household consumption and UMKM as drivers of the economy is supported by the swift distribution of consumption credit from banks and other financial services institutions.
To boost credit disbursement, Bank Indonesia (BI) is re-implementing the macroprudential liquidity incentive (KLM) policy. How effective is it?
Lending in the third quarter of 2025 grew positively with a net balance outstanding (SBT) value of 82.33%, slightly down from the previous quarter with a SBT of 85.22% but higher than the same period last year with a SBT of 80.64%.
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