Disbursements from banks for the ownership of shop houses (Ruko/Rukan) until the end of June 2018 reached Rp 25.95 trillion. Of this amount, Rp 1.33 trillion, or 5.11% of the total credit, fell into the category of non-performing loans (NPL). This sector's NPL was the highest compared to other sectors.
The sector with the second-highest NPL ratio was activities with unclear boundaries, reaching 4.9% of the total disbursed credit of Rp 2.89 trillion. Third, the accommodation and food service sector with an NPL of 4.9% of the total disbursed funds of Rp 2.89 trillion, and fourth, the construction sector with an NPL of 4.36% of the total credit amounting to Rp 277.22 trillion.
Eleven sectors had non-performing loan ratios above the national banking NPL average of 2.67%. For information, the total bank's non-performing loans at the end of the first semester of this year reached Rp 133 trillion from a total disbursed fund of Rp 4,974.11 trillion.
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