Types of Credit Services Used by Indonesian Households Early 2025

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Nabilah Muhamad 10/10/2025 12:43 WIB

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According to BPS report, 23.9% of households in Indonesia received credit in March 2025. The most widely used type of credit service is People's Business Credit (KUR).

Proportion of Indonesian Households Receiving Credit Services by Type (March 2025)

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Proportion of Indonesian Households Receiving Credit Services by Type (March 2025)

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According to a survey by Indonesian Central Statistics Agency (BPS), as of March 2025, 23.9% of households in Indonesia received credit in the last year.

The most widely used type of credit service is People's Business Credit (KUR), with 7.82% of total households using it.

Furthermore, 5.45% of households used PNM-Mekaar, a credit service from PT Permodalan Nasional Madani through its Prosperous Family Economic Development program.

Then, 3.52% accessed loans from commercial banks other than KUR, 2.56% from cooperatives, and 2.52% from leasing companies.

There were also households that took credit from pawnshops, rural banks (BPR), private lenders with interest, and online loans, each with a proportion of less than 1%.

Meanwhile, 2.56% received loans from other parties, including village-owned enterprises (BUMDes).

Regionally, Gorontalo is the province with the largest proportion of households receiving credit services, reaching 40.88%.

Following that are East Nusa Tenggara (NTT) with 34.91%, West Nusa Tenggara (NTB) with 33.05%, and Bengkulu with 31.13%.

These figures are the result of the National Socio-Economic Survey (Susenas) for the March 2025 period, with 345,000 household respondents spread across 514 regencies/cities in 38 provinces of Indonesia, both in rural and urban areas.

Data collection was conducted through direct interviews between officers and the head of the household, the spouse of the head of the household, or household members who were knowledgeable about the surveyed matters.

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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Types of Credit Services Used by Indonesian Households Early 2025

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Types of Credit Services Used by Indonesian Households Early 2025

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

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