Non-Performing Financing of Sharia Banks Continues to Decline

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Adi Ahdiat 26/08/2024 19:17 WIB

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The ratio of non-performing financing (NPF) in Indonesian sharia banking has continuously decreased over the past five years.

Non-Performing Financing Ratio of Islamic Banks in Indonesia (2019-2023)

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Non-Performing Financing Ratio of Islamic Banks in Indonesia (2019-2023)

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The Indonesian Islamic banking industry has consistently shown positive performance in recent years.

According to data from the Financial Services Authority (OJK), the asset value and market share of Islamic banking have continuously increased during the 2014-2023 period.

Concurrently, their ratio of non-performing financing (NPF) has also continued to decline.

The OJK noted that in 2019, the gross NPF of Islamic commercial banks (BUS) and Islamic business units (UUS) nationally was at 3.11%.

In subsequent years, the NPF continued to decrease, reaching 2.04% at the end of 2023.

"This condition indicates the increasingly recovering performance of the Islamic banking industry after being hit by the Covid-19 pandemic," said the OJK in the *2023 Report on the Development of Islamic Finance in Indonesia*.

Quoting the report, at the end of 2023, the total value of financing from Islamic banking reached Rp585.46 trillion. Approximately 51% was allocated for consumptive financing and 49% for productive financing.

The largest consumptive financing was disbursed for residential ownership at Rp132 trillion, and multi-purpose financing at Rp125 trillion.

The productive sector that received the most Islamic financing was the wholesale and retail trade sector at Rp55 trillion; construction at Rp41 trillion; manufacturing industry at Rp36 trillion; agriculture, hunting, and forestry at Rp29 trillion; and transportation, warehousing, and communication at Rp26 trillion.

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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Non-Performing Financing of Sharia Banks Continues to Decline

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