Before Receiving Purbaya Funds, Indonesian Regional Banks Had Healthy Liquidity

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Adi Ahdiat 09/10/2025 10:30 WIB

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Based on OJK data, the liquidity of Indonesian regional development banks is still considered healthy, remaining within the safe limits set by Bank Indonesia.

Loan-to-Deposit Ratio in Indonesian Regional Development Banks (June 2024-June 2025)

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Loan-to-Deposit Ratio in Indonesian Regional Development Banks (June 2024-June 2025)

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Indonesian Finance Minister Purbaya Yudhi Sadewa plans to transfer a portion of central government funds from Bank Indonesia (BI) to regional development banks (BPDs).

Purbaya believes this step can encourage credit disbursement to cooperatives and micro, small, and medium enterprises (MSMEs), thereby helping to stimulate the regional economy.

"Later, I will also add [funds] to regional governments, to Bank Jakarta, and other banks," Purbaya said, as reported by Katadata.co.id on Tuesday (October 7, 2025).

Before receiving fund transfers from Purbaya, the liquidity condition of BPDs, or regional government-owned banks, was generally still considered healthy.

This is evident from the regional banks' loan-to-deposit ratio (LDR), which remained within safe limits according to BI regulations.

Referring to BI Regulation No. 15/15/PBI/2013, the lower limit for the LDR is 78% and the upper limit is 92%.

During the period of June 2024-June 2025, the national LDR of regional banks remained within these limits, fluctuating in the range of 79-86% as shown in the graph.

Even according to M. Rizal Taufikurahman, Head of Macroeconomics and Finance Center at Indef, this LDR reflects that regional banks' liquidity is still ample.

"This means that the main problem for BPDs is not a lack of funds, but rather the low disbursement of productive credit," Taufikurahman said, as reported by Bisnis.com on Tuesday (October 7, 2025).

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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Before Receiving Purbaya Funds, Indonesian Regional Banks Had Healthy Liquidity

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Before Receiving Purbaya Funds, Indonesian Regional Banks Had Healthy Liquidity

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