Jakarta, hitclubapk3 Indonesia
—
Bank Indonesia
(BI) reveals the cause
credit
‘unemployed’ who have not been distributed by banking (
undisbursed loans
) touched IDR 2,500 trillion as of November 2025.
Head of the BI Macroprudential Policy Department Solikin M Juhro admitted that demand for credit is currently not as strong as expected.The reason is, corporations still
wait and see
amidst economic uncertainty.
“They (corporations) are still wow, is the economy really booming or not? They are still waiting and seeing and also they are ‘oh, I still have internal savings or internal funds, instead of taking it to the bank, I would be better off using my own money’. Why? Because maybe it could be
yield
or the interest rate is still high,” he said in a media briefing at the BI office in Jakarta, Monday (22/12).
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Not only corporations, households are also still holding back on taking out consumption credit because they are still unsure about future economic conditions.
“Households can take out credit, from consumption credit. It’s just that if their expectations are, well, later I want to take out credit, will my income expectations increase or not? So they also end up putting the brakes on like that. This is from the side
demand
,” he explained.
Solikin said that from the supply side, the central bank has provided many incentives to banks.However, the demand side still needs to be encouraged.
“If we talk about credit, yes, the economy may still need further encouragement. So now (credit distribution) is growing at 7.74 (percent) in November. Hopefully, God willing, in December at the end of the year it can be above 8 as Bank Indonesia’s target,” he said.
Meanwhile, the Financial Services Authority (OJK) sees growth
undisbursed loans
which remains high indicates that there is still flexibility in credit withdrawals in the future which can be utilized by debtors in expanding their business.
Chief Executive of OJK Banking Supervision, Dian Ediana Rae, said that with this large credit or financing commitment, there is potential for increased credit realization in the future.
“If economic conditions improve and business actors’ confidence increases, credit disbursement can increase and encourage real sector growth,” said Dian in a written statement, Thursday (11/12).
Dian estimated
undisbursed loans
will experience moderation in line with adjustments to the bank’s business strategy.
With this position, the national banking sector is considered to still have room to support productive financing, as long as it is accompanied by a careful approach to risks and the direction of future economic policy.
The recovery of several economic sectors as well as optimal support from fiscal and monetary policies will also increase the multiplier effect on household consumption and business investment.
Several factors that can encourage credit or financing growth include improving monetary policy transmission, a downward trend in loan interest rates, and an acceleration in government spending or private investment.
Dian sees that economic activity is starting to increase, reflected in the Indonesian Manufacturing PMI in November 2025 expanding by 53.50 or improving compared to October 2025 at the level of 51.20.
If the increase in economic activity continues, he continued, economic growth throughout 2025 can still increase, thereby also increasing demand for bank credit.
“OJK actively coordinates with the government and other stakeholders, including those who are members of the Financial System Stability Committee (KSSK), regarding various policies in order to monitor and implement the steps necessary to maintain financial system stability and support national economic growth,” said Dian.
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