Bank Indonesia (BI) revealed that the undisbursed loan facility was still quite large in December 2025, reaching IDR 2,439.2 trillion or 22.12 percent of the available credit ceiling.
Governor of BI Perry Warjiyo said that on the demand side, business actors need to continue to be encouraged to expand their business by utilizing unused loan facilities.
"In terms of supply, the bank's financing capacity remains adequate supported by the ratio of Liquid Assets to Third Party Funds (AL/DPK) of 28.57 percent and DPK which grew high by 13.83 percent (yoy) in December 2025," he said in a press conference, Wednesday, January 21.
He added that banking credit in 2025 grew by 9.69 percent (yoy), within the Bank Indonesia's forecast range of 8-11 percent (yoy).
Based on the use group, the growth of investment credit, working capital credit, and consumption credit in 2025 was 21.06 percent (yoy), 4.52 percent (yoy), and 6.58 percent (yoy).
"This achievement is in line with BI's efforts to lower interest rates and strengthen the Macroprudential Liquidity Incentive Policy (KLM) as well as the realization of the Government's priority programs in the midst of maintained macro and financial conditions," he said.
In addition, Perry said that the interest in distributing bank loans continued to improve, reflected in the loosening of lending requirements, except for the consumption and MSME credit segments due to the high credit risk in both segments.
"Bank Indonesia estimates credit growth in 2026 in the range of 8 percent-12 percent," he said.
In the future, he said, Bank Indonesia will continue to strengthen coordination with the Government and KSSK to continue to improve the interest rate structure and encourage credit or banking financing growth.
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