Maximum Interest Rate for Household Service Loans

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Viva Budy Kusnandar 21/01/2025 15:15 WIB

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In October 2024, the Financial Services Authority (OJK) reported that the average annual interest rate on loans provided to individual debtors serving households was 18.33%.

Average Interest Rate on Bank General Loans to Non-Bank Parties by Business Sector (October 2024)

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Average Interest Rate on Bank General Loans to Non-Bank Parties by Business Sector (October 2024)

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The Financial Services Authority (OJK) reports that the average interest rate on general bank loans to individual business debtors serving households was 18.33% per annum in October 2024.

This average interest rate is the highest compared to other business sectors.

The next highest average interest rates were in the fisheries sector at 10.52%; followed by education services at 10.21%; and then wholesale and retail trade at 10%.

The lowest average interest rates were in government administration, defense, and mandatory social security at only 6.93% per annum. This was followed by financial intermediation at 7.29%, construction at 7.57%, and electricity, gas, and water at 7.85%.

According to the OJK, the value of credit disbursed to these 17 business sectors reached Rp5.55 quadrillion by October 2024. The value of non-performing loans (NPL) was Rp128.9 trillion, or 2.32% of the total credit value.

The largest amount of general bank credit was disbursed to the wholesale and retail trade sector, amounting to Rp1.2 quadrillion. This was followed by the manufacturing industry at Rp1.8 quadrillion; and agriculture, hunting, and forestry at Rp522 trillion.

Editor : Erlina Fury Santika

"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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