Airlangga: Funds Of IDR 200 Trillion Purbaya At Himbara Bank Make Bankers Turn Their Brains

Coordinating Minister for Economic Affairs Airlangga Hartarto. (Photo: ANTARA)

Coordinating Minister for the Economy Airlangga Hartarto said that the placement of government funds worth Rp200 trillion at Himbara Bank reactivated the banking intermediation function so that the funds actually flowed into the real sector.

Airlangga said that the steps taken by the Ministry of Finance (Kemenkeu) to place large funds in state-owned banks in mid-September were part of efforts to encourage the supply side of the national economy.

"This means that Rp200 trillion is so that bankers are 'building'. Previously they had calculated bonuses, but now they have to rack their brains on how in their three months the cost of funds can be lower, so that this money works," said Airlangga at the Investor Daily Summit 2025 entitled "New Economic Order" at the Jakarta Convention Center, Thursday, October 9.

The government's placement of funds includes Bank Mandiri IDR 55 trillion, BRI IDR 55 trillion, BNI IDR 55 trillion, BTN IDR 25 trillion and Bank Syariah Indonesia IDR 10 trillion.

The government hopes that this additional liquidity can accelerate the expansion of productive financing that has slowed down so far.

In addition, Airlangga highlighted that the high amount of undisbursed loans or loans had not been disbursed, which amounted to around Rp2,300 trillion as of September 2025.

According to him, this condition has great potential to be moved to the real sector if banks are able to accelerate the realization of project financing.

"Kami sendiri invest sampai dengan September itu Rp1.400 triliun. Maka kalau bijibsbursed loan bisa dipacu untuk masuk ke sektor real, ini sebuah angka besar juga," terangnya.

For information, the Minister of Finance (Menkeu) Purbaya Yudhi Sadive officially issued regulations for the placement of government cash funds that had not been used worth Rp200 trillion to five national banks.

This provision is contained in the Decree of the Minister of Finance (KMK) Number 276 of 2025 concerning Placement of State Money in the Context of Managing Excess and Lack of Cash to Support the Implementation of Government Programs and Encouraging Economic Growth, which was signed on Friday, September 12, 2025.

"That to carry out the management of the central government's excess cash, the Minister of Finance is in accordance with its authority as the state's general treasurer to place state money from the government treasury in Bank Indonesia," quoted from the considering section of KMK 276/2025.

In the KMK, it is explained that the funds are placed in five partner banks, namely PT Bank Rakyat Indonesia (Persero) Tbk; PT Bank Negara Indonesia (Persero) Tbk; PT Bank Mandiri (Persero) Tbk; PT Bank Tabungan Negara (Persero) Tbk; and PT Bank Syariah Indonesia Tbk.

As for the second dictum of KMK 276/2025, it is stated that the placement of state money worth Rp200 trillion in the first phase, distribution is carried out in stages with the Mitra Kerja limit at each Partner Commercial Bank, namely BRI, BNI and Mandiri, each receiving Rp55 trillion, BTN worth Rp25 trillion and BSI Rp10 trillion.