Shop House Non-Performing Loan Ratio Reaches 4%, Highest in the Consumption Sector

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Adi Ahdiat 02/04/2024 17:41 WIB

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According to OJK data, the non-performing loan ratio for shop house/small shop house ownership reached 4.16% in December 2023, the highest among consumer loan groups.

Non-Performing Loan Ratio by National Consumption Sector (December 2023)

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Shop House Non-Performing Loan Ratio Reaches 4%, Highest in the Consumption Sector

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Non-Performing Loan Ratio by National Consumption Sector (December 2023)

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According to data from the Financial Services Authority (OJK), in December 2023, the total value of credit/financing disbursed by general banks nationwide reached Rp7.09 quadrillion.

Approximately 73% of this was in the form of working capital and investment credit for business sectors, while 27% was in the form of consumer credit for non-business sectors.

In the consumer credit category, the highest non-performing loan/non-performing financing (NPL/NPF) ratio was for the purchase of shop houses/office houses (ruko/rukan).

In December 2023, the value of general bank credit disbursed for the ownership of ruko/rukan reached Rp22.48 trillion, with problematic credit valued at approximately Rp935.4 billion.

Thus, the national NPL/NPF ratio for ruko/rukan reached 4.16%.

Other consumer groups had lower non-performing loan ratios, ranging from 1-2%.

In December 2023, the NPL/NPF ratio for flat/apartment ownership was 2.4%, and for residential home ownership, it was 2.33%.

Next, the ratio of non-performing loans for vehicle ownership was 1.97%, for household appliances including multi-purpose loans was 1.25%, and for other consumption was 1.04%.

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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Shop House Non-Performing Loan Ratio Reaches 4%, Highest in the Consumption Sector

Shop House Non-Performing Loan Ratio Reaches 4%, Highest in the Consumption Sector

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Shop House Non-Performing Loan Ratio Reaches 4%, Highest in the Consumption Sector

Shop House Non-Performing Loan Ratio Reaches 4%, Highest in the Consumption Sector

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