Indonesia’s loan growth rose 13.36% year-on-year in August 2026, following a 13.58% increase in July, which had marked the strongest pace since August 2014. By usage, the latest result was led by investment loans, followed by working capital and consumer loans. The positive lending trend was underpinned by Bank Indonesia’s continued optimisation of the Macroprudential Liquidity Incentive Policy (KLM), with incentives reaching Rp461.2 trillion as of early September. Lending appetite also remained firm, while strong banking resilience continued to provide room for credit expansion. The central bank expects loan growth to reach 8–12% for the full year, reflecting its accommodative macroprudential stance to support the economy. source: Bank Indonesia

The value of loans in Indonesia increased 13.36 percent in August of 2026 over the same month in the previous year. Loan Growth in Indonesia averaged 18.25 percent from 1981 until 2026, reaching an all time high of 90.50 percent in June of 1998 and a record low of -59.90 percent in June of 1999. This page provides the latest reported value for - Indonesia Loan Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news. Indonesia Loan Growth - data, historical chart, forecasts and calendar of releases - was last updated on October of 2026.

The value of loans in Indonesia increased 13.36 percent in August of 2026 over the same month in the previous year. Loan Growth in Indonesia is expected to be 12.50 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Indonesia Loan Growth is projected to trend around 13.00 percent in 2027 and 14.00 percent in 2028, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-08-19 07:15 AM
Loan Growth YoY
Jul 13.58% 12.67% 13.0%
2026-09-23 07:15 AM
Loan Growth YoY
Aug 13.36% 13.58% 15.0%
2026-10-21 07:30 AM
Loan Growth YoY
Sep 13.36% 12.5%


Related Last Previous Unit Reference
Cash Reserve Ratio 9.00 9.00 percent Sep 2026
Deposit Facility Rate 4.75 4.75 percent Sep 2026
Foreign Exchange Reserves 146300.00 146500.00 USD Million Sep 2026
Interbank Rate 5.46 5.46 percent Dec 2025
Interest Rate 5.75 5.75 percent Sep 2026
Lending Facility Rate 6.50 6.50 percent Sep 2026
Loan Growth YoY 13.36 13.58 percent Aug 2026
Loans to Private Sector 7742474.00 7701541.00 IDR Billion Jul 2026
Money Supply M0 1206008.00 1204056.00 IDR Billion Jul 2026
Money Supply M1 3311015.00 3318342.00 IDR Billion Jul 2026
M2 Money Supply YoY 10448100.00 10371100.00 IDR Billion Aug 2026


Indonesia Loan Growth
In Indonesia, loan growth refers to year over year change in total value of outstanding credits of commercial banks.
Actual Previous Highest Lowest Dates Unit Frequency
13.36 13.58 90.50 -59.90 1981 - 2026 percent Monthly
Current Prices, NSA

News Stream
Indonesia Loan Growth Stays Robust
Indonesia’s loan growth rose 13.36% year-on-year in August 2026, following a 13.58% increase in July, which had marked the strongest pace since August 2014. By usage, the latest result was led by investment loans, followed by working capital and consumer loans. The positive lending trend was underpinned by Bank Indonesia’s continued optimisation of the Macroprudential Liquidity Incentive Policy (KLM), with incentives reaching Rp461.2 trillion as of early September. Lending appetite also remained firm, while strong banking resilience continued to provide room for credit expansion. The central bank expects loan growth to reach 8–12% for the full year, reflecting its accommodative macroprudential stance to support the economy.
2026-09-23
Indonesia Loan Growth Highest Since 2014
Indonesia's loan growth increased by 13.58% year-on-year in July 2026, accelerating from a 12.67% rise in the previous month and marking the strongest pace since August 2014. The acceleration was supported by accommodative macroprudential policies, continuously pursued through the optimization of the Macroprudential Liquidity Incentive (KLM) policy to encourage increased bank lending and financing to priority sectors. As of the first week of August 2026, KLM incentives obtained by banks totaled IDR 446.5 trillion. The growth was also supported by the banking sector's high Capital Adequacy Ratio, which stood at 23.70% in June 2026. Meanwhile, the aggregate banking non-performing loan ratio remained low at 2.09% (gross) and 0.82% (net) in June 2026. The ratio of liquid assets to third-party funds remained stable at 23.10% in July 2026.
2026-08-19
Indonesia Loan Growth Highest in Over 2 Years
Indonesia's loan growth rose by 12.67% year-on-year in June 2026, accelerating from an 11.51% increase in the previous month and marking the strongest pace since April 2024. The increase was driven by investment credit (24.90%), working capital credit (8.94%), and consumer credit (5.75%). Banking resilience remained solid despite heightened global uncertainty, supported by strong capital buffers, low credit risk, and adequate liquidity. Looking ahead, Bank Indonesia expects credit growth to remain within the 8%–12% range in 2026, backed by Rp2,490 trillion in undisbursed loan facilities, equivalent to 21.52% of total credit limits. Lending prospects are also supported by steady third-party fund growth of 10.21% year-on-year and favorable interest rate conditions. Meanwhile, the banking industry's liquid assets-to-deposits (AL/DPK) ratio stood at 23.08% in June, while the average lending rate was 8.81% and the one-month deposit rate was 4.76%.
2026-07-22