Popular Credit Types Among Indonesians in 2025

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Erlina Fury Santika 17/12/2025 17:11 WIB

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BPS data shows that several types of credit are received by the Indonesian people throughout 2025. KUR is accessed.

Percentage of Indonesian Households Receiving Loans in the Last Year by Type of Loan (2025)

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Percentage of Indonesian Households Receiving Loans in the Last Year by Type of Loan (2025)

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Statistics Indonesia (BPS) reports that approximately 23 out of 100 Indonesian households received credit in the last year.

This proportion was recorded at 23.9% nationally. When analyzed by regional characteristics, rural areas were slightly higher at 24.78%, while urban areas stood at 23.3%.

BPS then examined the types of credit received by the community. The most common was People's Business Credit (KUR), accounting for 7.82% of the total national credit recipients.

Then, PT Permodalan Nasional Madani's Prosperous Family Economy Development program (PNM Mekaar) accounted for 5.45%.

Other types include general bank loans (excluding KUR), leasing, pawn loans, and online loans (pinjol). Here is the complete list:

People's Business Credit (KUR): 7.82%
PNM Mekaar: 5.45%
General bank loans (excluding KUR): 3.52%
Cooperative loans: 2.56%
Leasing: 2.56%
Pawn loans: 0.95%
Rural Banks (BPR): 0.78%
Individual loans with interest: 0.74%
Online loans/pinjol: 0.43%
Others: 2.56%.

BPS also noted that 15 provinces had a percentage of credit above the national average, while 23 other provinces were below the national average.

Editor : Erlina Fury Santika

"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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Popular Credit Types Among Indonesians in 2025

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