Indonesia's Non-Performing Loan Ratio for Mortgages Increased in Q1 2025

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Adi Ahdiat 22/07/2025 12:40 WIB

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Based on data from the Financial Services Authority (OJK), the ratio of problematic home ownership loans (KPR) in Indonesia increased in the first quarter of 2025.

Total Value of Mortgage Financing from Commercial Banks and Ratio of Problematic Mortgages in Indonesia (January 2022-March 2025)*

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Total Value of Mortgage Financing from Commercial Banks and Ratio of Problematic Mortgages in Indonesia (January 2022-March 2025)*

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According to data from the Financial Services Authority (OJK), the ratio of problematic home ownership loans (KPR) in Indonesia increased in the first quarter of 2025.

Until March 2025, the total value of financing from general banks for KPR nationwide reached Rp741.95 trillion.

Of this amount, Rp21.35 trillion was classified as non-performing loans/non-performing financing (NPL/NPF), equivalent to 2.88% of the total financing.

This ratio of problematic KPR is higher than in previous months, even reaching the highest level since the beginning of 2022, as shown in the graph.

When broken down by region, the highest ratio of problematic KPR is in West Papua, West Java, Riau, South Kalimantan, East Java, and North Sumatra.

Here are the details of the provinces with the highest ratio of problematic KPR in Indonesia in March 2025:

1. West Papua

Total value of KPR financing: Rp1.63 trillion
Value of problematic KPR (NPL/NPF): Rp174.41 billion
Ratio of problematic KPR (NPL/NPF): 10.71%

2. West Java

Total value of KPR financing: Rp170.31 trillion
Value of problematic KPR (NPL/NPF): Rp6.18 trillion
Ratio of problematic KPR (NPL/NPF): 3.63%

3. Riau

Total value of KPR financing: Rp13.46 trillion
Value of problematic KPR (NPL/NPF): Rp474.05 billion
Ratio of problematic KPR (NPL/NPF): 3.52%

4. South Kalimantan

Total value of KPR financing: Rp13.46 trillion
Value of problematic KPR (NPL/NPF): Rp440.18 billion
Ratio of problematic KPR (NPL/NPF): 3.27%

5. East Java

Total value of KPR financing: Rp75.43 trillion
Value of problematic KPR (NPL/NPF): Rp2.42 trillion
Ratio of problematic KPR (NPL/NPF): 3.21%

6. North Sumatra

Total value of KPR financing: Rp24.28 trillion
Value of problematic KPR (NPL/NPF): Rp762.48 billion
Ratio of problematic KPR (NPL/NPF): 3.14%

Besides these six provinces, other provinces have a lower ratio of problematic KPR, ranging from 1.1% to 2.9%.

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 Loan Ratio for Mortgages Increased in Q1 2025

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