MSME Loan Interest Rates in Indonesia Higher Than Corporate Loans, June 2025

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Adi Ahdiat 26/09/2025 12:30 WIB

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According to OJK data, in June 2025, the average interest rate on Indonesian bank loans for MSMEs is higher than the interest rate on corporate loans.

Average Prime Lending Rate for MSMEs and Corporations in Indonesian Commercial Banks (June 2025)

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Average Prime Lending Rate for MSMEs and Corporations in Indonesian Commercial Banks (June 2025)

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Banking loan interest rates for micro, small, and medium enterprises (MSMEs) are higher than loan interest rates for corporations.

According to data from the Financial Services Authority (OJK), in June 2025, the average prime lending rate (SBDK) for micro-enterprises in Indonesia reached 10.76%.

Subsequently, the SBDK for small enterprises was 9.83%, for medium enterprises 9.48%, while for corporations it was 8.38%.

This SBDK serves as a reference for the loan interest rates charged by banks to customers. However, SBDK does not yet account for estimated risk premiums based on the bank's assessment of the debtor.

Therefore, the loan interest rate charged to a debtor is not necessarily the same as the SBDK.

Meanwhile, in the second half of this year, loan interest rates at commercial banks nationwide have the potential to decrease.

This is influenced by the policy of Finance Minister Purbaya, who transferred government funds worth Rp200 trillion to state-owned banks in September 2025.

According to Purbaya, this fund transfer can encourage banks to lower interest rates.

"Because they [banks] have more money, they won't compete on interest rates anymore; rates will tend to decrease, which will impact the economy," Purbaya said, as reported by CNBC Indonesia (16/9/2025).

"With that, loan interest rates can decrease, deposit interest rates can decrease, and clearly, the cost of money will decrease," he added.

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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MSME Loan Interest Rates in Indonesia Higher Than Corporate Loans, June 2025

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MSME Loan Interest Rates in Indonesia Higher Than Corporate Loans, June 2025

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Related Data

Gianyar Regency Government's Regional Revenue Realization as of December 2025

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Realization of Manado City Government's Local Own-Source Revenue (PAD) as of December 2025

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