JAKARTA The results of the Bank Indonesia (BI) Banking Survey indicate that new lending in the second quarter of 2023 will increase.
Head of the BI Communication Department Erwin Haryono said this was reflected in the Weighted Net Balance (SBT) of new credit distribution of 94.0 percent.
"The new credit growth occurs in almost all types of credit, except for a slightly lower investment credit than the previous quarter," he said in a press release today, Thursday, July 20.
According to Erwin, in the third quarter of 2023, new lending is predicted to continue to grow positively.
"The projection is indicated by the SBT forecast for new credit distribution of 86.3 percent," he said.
Erwin added, credit disbursement standards in the third quarter of 2023 are predicted to be slightly tighter than in the previous period. This is indicated by the Positive Lending Standard Index (ILS) of 0.1 percent.
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"The policy of lending is estimated to be stricter, including on credit interest rates and risky credit premiums," he said.
Furthermore, the survey results show that respondents remain optimistic about credit growth in the future. Respondents estimate credit growth for the entire year 2023 by 10.9 percent year on year (yoy), growing positively even though it is not as high as the realization of credit growth in 2022 by 11.4 percent yoy.
"This optimism is driven, among other things, by the prospect of monetary and economic conditions in the future and the relative risk of lending is maintained," Erwin concluded.
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