These are the Provinces with the Highest Ratio of Problematic Mortgages at the Beginning of 2024

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Adi Ahdiat 29/05/2024 17:29 WIB

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According to OJK data, West Papua had the highest national ratio of problematic mortgages in February 2024.

Top 10 Indonesian Provinces with the Highest National Non-Performing Loan (NPL) Ratio for Mortgages (February 2024)*

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These are the Provinces with the Highest Ratio of Problematic Mortgages at the Beginning of 2024

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Top 10 Indonesian Provinces with the Highest National Non-Performing Loan (NPL) Ratio for Mortgages (February 2024)*

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According to data from the Financial Services Authority (OJK), Indonesian general banks had disbursed a cumulative Rp668.31 trillion in mortgage loans (KPR) by February 2024.

However, approximately Rp16.65 trillion, or 2.49%, of this amount falls into the category of non-performing loans (NPLs).

Broken down by province, the highest ratio of problematic KPRs in February 2024 was in West Papua, at 11.85%.

Other provinces with relatively high ratios of problematic KPRs include Riau, North Sulawesi, East Java, Bengkulu, East Kalimantan, North Sumatra, Central Kalimantan, Yogyakarta Special Region, and South Sumatra, as shown in the graph.

Although the national figure is high, the ratio of problematic KPRs in the above provinces is generally still considered healthy.

Quoting from the OCBC NISP Bank website, 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%

Based on this categorization, only West Papua has a ratio of problematic KPRs considered less healthy, while the other nine provinces still fall into the healthy category.

West Papua has a relatively small nominal value of problematic KPRs. Here's a breakdown of the nominal NPL value for the above 10 provinces as of February 2024:

* West Papua: Rp163 billion
* Riau: Rp450.71 billion
* North Sulawesi: Rp196.12 billion
* East Java: Rp2.1 trillion
* Bengkulu: Rp86.19 billion
* East Kalimantan: Rp273.24 billion
* North Sumatra: Rp681.42 billion
* Central Kalimantan: Rp146.87 billion
* Yogyakarta Special Region: Rp139.45 billion
* South Sumatra: Rp410.04 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."

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These are the Provinces with the Highest Ratio of Problematic Mortgages at the Beginning of 2024

These are the Provinces with the Highest Ratio of Problematic Mortgages at the Beginning of 2024

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