Indonesia's MSMEs Non-Performing Loans Trend Upward in Q1 2025

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Adi Ahdiat 21/07/2025 16:15 WIB

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During the first quarter of 2025, Indonesia's non-performing loan (NPL) ratio for MSMEs fluctuated with an upward trend, rising from 4.03% (January 2025) to 4.14% (March 2025).

Total Disbursement of MSMEs Credit in Indonesia and Non-Performing Loan Ratio (January 2022-March 2025)

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Total Disbursement of MSMEs Credit in Indonesia and Non-Performing Loan Ratio (January 2022-March 2025)

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According to data from the Financial Services Authority (OJK), the value of banking credit channeled to micro, small, and medium enterprises (MSMEs) in Indonesia reached Rp1,496.8 trillion, or approximately Rp1.5 quadrillion, in March 2025.

Of this amount, Rp61.98 trillion was classified as non-performing loans/non-performing financing (NPL/NPF), equivalent to 4.14% of the total disbursement.

During Q1 2025, the ratio of MSMEs' non-performing loans in Indonesia fluctuated with an upward trend, increasing from 4.03% (January 2025) to 4.14% (March 2025).

In the first three months of this year, the national MSME NPL ratio consistently remained above 4%, higher than the position at the end of 2024, as shown in the graph.

When broken down, the highest MSME NPL ratio was in the construction sector, and the lowest was in the government administration sector.

Here's a breakdown of the Indonesian MSME NPL ratio in March 2025 by business sector:

1. Construction: 10.03%

2. Financial Intermediation: 5.66%

3. Fisheries: 5.42%

4. International Organizations: 5.13%

5. Manufacturing: 4.63%

6. Real Estate, Rental, and Business Services: 4.49%

7. Wholesale and Retail Trade: 4.48%

8. Mining and Quarrying: 4.14%

9. Community, Social, Cultural, Entertainment, and Other Personal Services: 3.51%

10. Transportation, Warehousing, and Communication: 3.21%

11. Electricity, Gas, and Water: 3.17%

12. Accommodation and Food Service Activities: 2.91%

13. Personal Services Serving Households: 2.88%

14. Agriculture, Hunting, and Forestry: 2.68%

15. Health and Social Activities: 2.34%

16. Education Services: 1.54%

17. Public Administration, Defense, and Compulsory Social Security: 0.20%

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 MSMEs Non-Performing Loans Trend Upward in Q1 2025

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