Indonesia's Non-Performing Consumer Loans Rise in the First Quarter of 2025

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Adi Ahdiat 21/07/2025 14:59 WIB

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According to OJK data, the ratio of problematic consumer loans (NPL/NPF) in Indonesian banks increased in Q1 2025.

Value of Disbursed Consumer Credit and Ratio of Non-Performing Consumer Credit in Indonesia (January 2020-March 2025)

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Value of Disbursed Consumer Credit and Ratio of Non-Performing Consumer Credit in Indonesia (January 2020-March 2025)

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Consumer loans classified as non-performing loans/non-performing financing (NPL/NPF) in Indonesian banking increased in Q1 2025.

This is evident from the Indonesian Banking Statistics report released by the Financial Services Authority (OJK).

According to OJK data, until the end of March 2025, the national disbursement of consumer credit from banks reached Rp2.17 quadrillion.

Of this amount, Rp45.1 trillion was classified as non-performing (NPL/NPF), equivalent to 2.08% of total consumer credit.

The ratio of non-performing consumer credit consistently increased for three consecutive months during January-March or Q1 2025, as shown in the graph.

The consumer credit recorded here refers to loans disbursed by commercial banks to non-bank parties that are not business entities, whether for purchasing property, vehicles, household appliances, and so on.

The highest ratio of non-performing loans is in the shop house ownership credit segment.

Here's a breakdown of the ratio of non-performing consumer credit in Indonesian banks by segment in March 2025:

1. Shop House/Shoplot Ownership Credit

Credit disbursement value: Rp29.29 trillion
Value of non-performing loans (NPL/NPF): Rp1.18 trillion
Ratio of non-performing loans (NPL/NPF): 4.04%

2. Flat/Apartment Ownership Credit

Credit disbursement value: Rp32.02 trillion
Value of non-performing loans (NPL/NPF): Rp1.01 trillion
Ratio of non-performing loans (NPL/NPF): 3.16%

3. Residential House Ownership Credit

Credit disbursement value: Rp741.95 trillion
Value of non-performing loans (NPL/NPF): Rp21.35 trillion
Ratio of non-performing loans (NPL/NPF): 2.88%

4. Motor Vehicle Ownership Credit

Credit disbursement value: Rp142.92 trillion
Value of non-performing loans (NPL/NPF): Rp3.2 trillion
Ratio of non-performing loans (NPL/NPF): 2.24%

5. Other Household Appliance Ownership Credit/Multipurpose Loans

Credit disbursement value: Rp922.35 trillion
Value of non-performing loans (NPL/NPF): Rp14.95 trillion
Ratio of non-performing loans (NPL/NPF): 1.62%

6. Other Non-Business Entity Credit

Credit disbursement value: Rp297.01 trillion
Value of non-performing loans (NPL/NPF): Rp3.41 trillion
Ratio of non-performing loans (NPL/NPF): 1.15%

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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Indonesia's Non-Performing Consumer Loans Rise in the First Quarter of 2025

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