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Non-Performing Loan Ratio for MSMEs Decreases in Q3 2024

Adi Ahdiat 16/01/2025 12:51 WIB

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According to OJK data, the national non-performing loan (NPL) ratio for MSMEs decreased in the third quarter (July-September) of 2024.

Total Value of Credit/Financing and Ratio of Non-Performing Loans for National MSMEs (January 2022-September 2024)

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Total Value of Credit/Financing and Ratio of Non-Performing Loans for National MSMEs (January 2022-September 2024)

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According to data from the Financial Services Authority (OJK), the disbursement of banking credit for micro, small, and medium enterprises (MSMEs) nationally increased during the third quarter or July-September 2024.

However, during this period, the ratio of non-performing loan/non-performing financing (NPL/NPF) or non-performing loans for MSMEs tended to decrease.

In July 2024, the total value of credit/financing from banks for MSMEs reached Rp1.47 quadrillion, with a non-performing loan ratio of 4.05%.

Then, the disbursement increased to Rp1.5 quadrillion in September 2024, while the non-performing loan ratio decreased to 4.00%.

Nevertheless, the MSME non-performing loan ratio until the end of the third quarter of 2024 was still higher than in 2023, as shown in the graph.

When broken down by business sector, the highest MSME non-performing loan ratio was in the construction sector.

Here are the 10 MSME sectors with the highest non-performing loan ratios in September 2024:

1. Construction: 9.58% non-performing loan ratio (from a total credit value of Rp55.8 trillion)
2. Financial intermediaries: 7.61% (from a total credit value of Rp10.6 trillion)
3. Fisheries: 4.77% (from a total credit value of Rp17.5 trillion)
4. Real estate, rental, and business services: 4.67% (from a total credit value of Rp57.1 trillion)
5. Electricity, gas, and water: 4.30% (from a total credit value of Rp4.9 trillion)
6. Wholesale and retail trade: 4.26% (from a total credit value of Rp689.9 trillion)
7. Manufacturing industry: 4.16% (from a total credit value of Rp147.7 trillion)
8. Individual services serving households: 3.67% (from a total credit value of Rp3.6 trillion)
9. Accommodation, food, and beverage providers: 3.47% (from a total credit value of Rp71.3 trillion)
10. Mining and quarrying: 3.33% (from a total credit value of Rp9.9 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 Loan Ratio for MSMEs Decreases in Q3 2024

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