Indonesian MSMEs' Non-Performing Loans Q2 2025 Exceeded Last Year's Level

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Adi Ahdiat 16/09/2025 12:24 WIB

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According to OJK data, the non-performing loan (NPL) ratio for the UMKM sector in Q2 2025 was higher than the previous year.

Total Disbursement Value of MSME's Credit and Non-Performing Loan Ratio in Indonesia (January 2022-June 2025)

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Total Disbursement Value of MSME's Credit and Non-Performing Loan Ratio in Indonesia (January 2022-June 2025)

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According to data from the Financial Services Authority (OJK), in April-June or the second quarter of 2025, the ratio of non-performing loans (NPL) in the Indonesian micro, small, and medium enterprise (MSME) was higher than the previous year.

Previously, in the second quarter of 2024, the NPL ratio for MSMEs nationwide ranged from 4-4.2% of total credit disbursement.

However, in the second quarter of 2025, the ratio increased to 4.3-4.4%, as shown in the graph.

As of June 2025, the total value of bank credit disbursed to MSMEs reached Rp1.5 quadrillion.

The value of non-performing loans was Rp66.3 trillion, equivalent to 4.41% of the total disbursement.

When broken down by sector, the highest ratio of non-performing loans was held by MSMEs in the construction, fisheries, manufacturing, and trade sectors.

Here is a breakdown of the ratio of non-performing loans for MSMEs in Indonesia in June 2025 by business sector:

1. Construction: 10.08%

2. Fisheries: 5.86%

3. Manufacturing: 5.00%

4. Wholesale and Retail Trade: 4.80%

5. International Organizations: 4.60%

6. Financial Intermediation: 4.56%

7. Real Estate, Rental, and Business Services: 4.31%

8. Community, Social, Cultural, Entertainment, and Other Personal Services: 3.96%

9. Mining and Quarrying: 3.90%

10. Transportation, Warehousing, and Communication: 3.49%

11. Accommodation and Food Service Activities: 3.39%

12. Personal Services to Households: 3.11%

13. Electricity, Gas, and Water Supply: 2.94%

14. Agriculture, Hunting, and Forestry: 2.85%

15. Health and Social Work Activities: 2.30%

16. Education: 1.93%

17. Public Administration, Defense, and Compulsory Social Security: 0.22%

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."