Indonesia Loan Growth Hits Near 1-Year High

2026-02-19 08:09 By Czyrill Jean Coloma 1 min. read

Indonesia’s annual loan growth rose by 9.96% year-on-year in January 2026, accelerating from 9.69% in the previous month.

It marked the fastest pace of growth since February 2025, primarily driven by investment credit, which surged 22.38% from a year earlier, alongside increases in working capital loans (4.13%) and consumer credit (6.58%).

The growth was also supported by stronger economic activity, the easing of monetary and macroprudential policies, and progress in the government’s priority programs.

Looking ahead, Bank Indonesia said credit growth remains solid, underpinned by demand and supply factors.

The central bank forecasts credit growth in the range of 8% to 12% in 2026.

Nevertheless, BI is committed to strengthening coordination with the government and the Financial System Stability Committee (KSSK) to improve interest rate transmission and further support bank lending.



News Stream
Indonesia Loan Growth Hits Near 1-Year High
Indonesia’s annual loan growth rose by 9.96% year-on-year in January 2026, accelerating from 9.69% in the previous month. It marked the fastest pace of growth since February 2025, primarily driven by investment credit, which surged 22.38% from a year earlier, alongside increases in working capital loans (4.13%) and consumer credit (6.58%). The growth was also supported by stronger economic activity, the easing of monetary and macroprudential policies, and progress in the government’s priority programs. Looking ahead, Bank Indonesia said credit growth remains solid, underpinned by demand and supply factors. The central bank forecasts credit growth in the range of 8% to 12% in 2026. Nevertheless, BI is committed to strengthening coordination with the government and the Financial System Stability Committee (KSSK) to improve interest rate transmission and further support bank lending.
2026-02-19
Indonesia Loan Growth Hits 10-Month High
Indonesia’s annual loan growth accelerated slightly to 9.69% year-on-year in December 2025, up from 7.74% in November, marking the fastest pace since February amid the government’s efforts to boost domestic demand. Loan growth was supported by expansion in consumption loans (6.58%), investment loans (21.06%), and working capital loans (4.52%). However, the volume of undisbursed loan facilities remained high, reaching IDR 2,439.2 trillion in December 2025, equivalent to 22.12% of the total approved credit ceiling. Looking ahead, Bank Indonesia expects full-year 2026 credit growth to come in within its 8–12% target range.
2026-01-21
Indonesia Loan Growth Hits 5-Month High
Indonesia’s annual loan growth accelerated slightly to 7.74% year-on-year in November 2025, up from October’s three-month low of 7.36%. This marked the fastest growth since June, amid the government's effort to boost domestic demand. However, the volume of undisbursed loan facilities remained high, reaching IDR 2,509.4 trillion in October 2025, equivalent to 23.18% of the total approved credit ceiling. " Credit demand appears weak, influenced by wait-and-see attitudes among businesses, corporations’ optimization of internal financing, and the slow pace of decline in lending rates," Perry Warjiyo, Governor of BI, said. Looking ahead, Bank Indonesia expects full-year 2025 credit growth to come in at the lower end of its 8–11% target range, with a stronger pickup anticipated in 2026.
2025-12-17