Types of Credit Used by Indonesian Households in 2024

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Adi Ahdiat 12/02/2025 15:10 WIB

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According to BPS data, in 2024 only about 23% of Indonesian households utilized credit services. The majority used People's Business Credit (KUR) services.

Proportion of Indonesian Households Receiving Credit Services by Type (March 2024)

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Proportion of Indonesian Households Receiving Credit Services by Type (March 2024)

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According to the Central Bureau of Statistics (BPS), in March 2024, 23.08% of Indonesian households received credit services in the past year.

Of this group, the most commonly accessed credit service was the People's Business Credit (KUR).

In March 2024, the proportion of Indonesian households using KUR services reached 8.15%.

Other popular credit services included non-KUR general bank credit, credit from cooperatives, and credit from leasing companies.

Meanwhile, the proportion of households using credit services from pawn shops, individual loans with interest, rural banks (BPR), online loans (pinjol), or village-owned businesses (BUMDes) was smaller, as shown in the graph.

The BPS obtained this data from the March 2024 National Socioeconomic Survey (Susenas), with a sample of 345,000 households spread across 514 districts/cities in 38 Indonesian provinces.

Respondents were spread across rural and urban areas. Data collection was conducted through direct interviews between officers and the head of household, the spouse of the head of household, or a household member knowledgeable about the surveyed matters.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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