Papua Barat's Non-Performing Loan Ratio Hits 13%, Highest Nationally

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Adi Ahdiat 23/08/2023 19:10 WIB

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According to OJK data, West Papua had the highest national rate of problematic mortgages (non-performing loans) at 13.07% in May 2023.

10 Indonesian Provinces with the Highest Non-Performing Loan (NPL) Ratios for Mortgages (May 2023)*

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Papua Barat's Non-Performing Loan Ratio Hits 13%, Highest Nationally

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10 Indonesian Provinces with the Highest Non-Performing Loan (NPL) Ratios for Mortgages (May 2023)*

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According to data from the Financial Services Authority (OJK), up to May 2023, the total value of financing from general banks to individuals (non-bank/non-business sector) for home ownership loans (KPR) nationally reached Rp605 trillion.

This figure does not include the value of financing for apartment and shop house/officetel ownership.

Meanwhile, in May 2023, the value of non-performing loans (NPL) for general bank KPR financing nationally reached Rp15 trillion, equivalent to 2.49% of the total financing.

When broken down by province, the highest ratio of problematic KPRs was found in West Papua, at 13.07%.

Other provinces with relatively high problematic KPR ratios nationally are North Sulawesi, Riau, Bengkulu, East Kalimantan, Maluku, East Java, South Kalimantan, Central Kalimantan, and Yogyakarta Special Region, with details as shown in the graph.

Despite their high ratios nationally, the above provinces generally have healthy problematic KPR ratios.

According to OCBC NISP, the NPL quality categories are as follows:

* Very healthy: NPL < 2%
* Healthy: 2% < NPL < 5%
* Fairly healthy: 5% < NPL < 8%
* Less healthy: 8% < NPL < 12%
* Unhealthy: NPL > 12%

Thus, the only province with an unhealthy problematic KPR ratio is West Papua, while the other 9 provinces fall into the healthy category.

The above provinces have relatively small values of problematic KPRs, except for East Java. Here's a breakdown of the nominal values:

* West Papua: Rp174.6 billion
* North Sulawesi: Rp219.98 billion
* Riau: Rp442.5 billion
* Bengkulu: Rp94.7 billion
* East Kalimantan: Rp282.49 billion
* Maluku: Rp10.17 billion
* East Java: Rp1.82 trillion
* South Kalimantan: Rp327.2 billion
* Central Kalimantan: Rp128.5 billion
* Yogyakarta Special Region: Rp122.4 billion

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."