Indonesia's annual loan growth accelerated to 9.98% year-on-year in April 2026 from 9.49% in the previous month, marking the fastest increase since February 2025. The growth was primarily driven by strong increases in investment lending (19.48%), working capital loans (6.04%), and consumer credit (6.13%). However, the central bank is still holding a sizable pool of undisbursed loan facilities totaling IDR 2,551.42 trillion, equivalent to 22.57% of the total available credit ceiling. To boost loan growth, the central bank also improved the efficiency of banking interest rates, with the credit interest rate recorded at 8.73% in April 2026 and the 1-month deposit interest rate at 4.16%. Looking ahead, Bank Indonesia expects credit growth to remain within a stable range of 8–12% in 2026. source: Bank Indonesia

The value of loans in Indonesia increased 9.98 percent in April of 2026 over the same month in the previous year. Loan Growth in Indonesia averaged 18.29 percent from 1981 until 2026, reaching an all time high of 90.50 percent in June of 1998 and a record low of -59.90 percent in June of 1999. This page provides the latest reported value for - Indonesia Loan Growth - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news. Indonesia Loan Growth - data, historical chart, forecasts and calendar of releases - was last updated on May of 2026.

The value of loans in Indonesia increased 9.98 percent in April of 2026 over the same month in the previous year. Loan Growth in Indonesia is expected to be 9.00 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Indonesia Loan Growth is projected to trend around 10.00 percent in 2027, according to our econometric models.



Calendar GMT Reference Actual Previous Consensus TEForecast
2026-04-22 07:30 AM
Loan Growth YoY
Mar 9.49% 9.37% 7.5%
2026-05-20 07:30 AM
Loan Growth YoY
Apr 9.98% 9.49% 9.7%
2026-06-18 07:30 AM
Loan Growth YoY
May 9.98%


Related Last Previous Unit Reference
Cash Reserve Ratio 9.00 9.00 percent Apr 2026
Deposit Facility Rate 4.25 3.75 percent May 2026
Foreign Exchange Reserves 146200.00 148200.00 USD Million Apr 2026
Interbank Rate 5.46 5.46 percent Dec 2025
Interest Rate 5.25 4.75 percent May 2026
Lending Facility Rate 6.00 5.50 percent May 2026
Loan Growth YoY 9.98 9.49 percent Apr 2026
Loans to Private Sector 7402884.00 7324022.00 IDR Billion Mar 2026
Money Supply M0 1206254.00 1159800.00 IDR Billion Mar 2026
Money Supply M1 3423670.00 3340672.00 IDR Billion Mar 2026
M2 Money Supply YoY 10355100.00 10088100.00 IDR Billion Mar 2026


Indonesia Loan Growth
In Indonesia, loan growth refers to year over year change in total value of outstanding credits of commercial banks.
Actual Previous Highest Lowest Dates Unit Frequency
9.98 9.49 90.50 -59.90 1981 - 2026 percent Monthly
Current Prices, NSA

News Stream
Indonesia Loan Growth Strongest in 14 Months
Indonesia's annual loan growth accelerated to 9.98% year-on-year in April 2026 from 9.49% in the previous month, marking the fastest increase since February 2025. The growth was primarily driven by strong increases in investment lending (19.48%), working capital loans (6.04%), and consumer credit (6.13%). However, the central bank is still holding a sizable pool of undisbursed loan facilities totaling IDR 2,551.42 trillion, equivalent to 22.57% of the total available credit ceiling. To boost loan growth, the central bank also improved the efficiency of banking interest rates, with the credit interest rate recorded at 8.73% in April 2026 and the 1-month deposit interest rate at 4.16%. Looking ahead, Bank Indonesia expects credit growth to remain within a stable range of 8–12% in 2026.
2026-05-20
Indonesia Loan Growth Picks Up in March
Indonesia's annual loan growth rose by 9.49% year-on-year in March 2026, picking up from a three-month low of 9.37% in the previous month. The uptick was primarily driven by strong growth in investment lending (20.85%), working capital loans (4.38%), and consumer credit (5.88%). From the demand side, banks are still holding a sizable pool of undisbursed loan facilities totaling Rp2,527.46 trillion, equivalent to 22.59% of the total available credit ceiling. On the supply side, the ratio of liquid assets to deposits stood at 27.85% in March, while third-party funds (TPF) grew robustly by 13.55% year-on-year. Looking ahead, Bank Indonesia expects credit growth to remain within a stable range of 8–12% in 2026, supported by both demand and supply dynamics. The central bank also signaled plans to further strengthen banks’ funding capacity, including through the development of non-traditional funding instruments beyond conventional deposits, in a bid to sustain lending momentum.
2026-04-22
Indonesia Loan Growth Eases to 3-Month Low
Indonesia’s annual loan growth eased slightly to 9.37% year-on-year in February 2026 from 9.96% in the previous month, marking the slowest pace since November 2025. The slowdown reflects weaker purchasing power, a contracting middle class, and increased caution among banks in extending credit. However, growth was supported by an increase in investment credit, which grew 20.72% from a year earlier, alongside gains in working capital loans (3.88%) and consumer credit (6.34%). Looking ahead, Bank Indonesia forecasts overall credit growth in 2026 to remain stable in the 8–12% range, driven by both supply and demand factors.
2026-03-17