Jakarta, hitclubapk3 Indonesia
—
Financial Services Authority (
FSA
) respond to idle credit that has not been distributed
banking
(
undisbursed loans
) touched IDR 2,500 trillion as of November 2025.
Chief Executive of OJK Banking Supervision Dian Ediana Rae said 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.
“With this large credit or financing commitment, there is the potential for increased credit realization in the future, so that 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).
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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 and optimal support from fiscal and monetary policies, he continued, 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 to 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.
Bank Indonesia (BI) recorded loan facilities that had not been disbursed (
undisbursed loans
) in November 2025 will still be large, reaching IDR 2,509.4 trillion or 23.18 percent of the available credit ceiling.
Governor Perry Warjiyo said that demand for credit is currently not strong.
“It is indicated that demand for credit has not been strongly influenced by the wait-and-see behavior of business actors, optimization of internal financing by corporations, as well as the still slow reduction in credit interest rates,” he said at the BI Board of Governors (RDG) Meeting press conference, Wednesday (17/12).
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(fby/pta)
