National UMKM Non-Performing Loans to Decrease by the End of 2024

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Adi Ahdiat 21/03/2025 18:44 WIB

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According to OJK data, the national non-performing loan (NPL) ratio for MSMEs decreased at the end of 2024.

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

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

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According to data from the Financial Services Authority (OJK), the national disbursement of banking credit for micro, small, and medium enterprises (MSMEs) reached Rp1.51 quadrillion in December 2024.

Disbursement increased by Rp49.2 trillion, or approximately 3%, compared to December 2023 (year-on-year).

Despite the increase in loan disbursement, the non-performing loan/non-performing financing (NPL/NPF) ratio, or MSME non-performing loans, decreased.

In December 2024, the value of MSME non-performing loans reached Rp56.6 trillion, equivalent to 3.76% of the total disbursement.

The ratio decreased compared to January-November 2024, where the MSME non-performing loan ratio often ranged above 4%.

When broken down by segment, MSME non-performing loans were higher in the working capital credit (short-term loans) group than in investment credit (long-term loans).

The following details the disbursement value and MSME non-performing loans (NPL/NPF) per segment in December 2024:

* MSME Working Capital Credit: credit/financing value of Rp1.06 quadrillion, non-performing loans of Rp43.7 trillion (4.14%)
* MSME Investment Credit: credit/financing value of Rp450.3 trillion, non-performing loans of Rp12.9 trillion (2.86%)

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."