OJK: Productive Credit Space Remains Stable

According to the Financial Services Authority (OJK), Indonesia’s national banking system continues to support the potential for productive credit. Despite the forecast moderation in undisbursed loans, the banking sector remains dynamic and resilient. Dian Ediana Rae, Chief Executive for Bank Supervision at OJK, stated from Jakarta that the space for productive financing remains viable if accompanied by careful risk management and strategic economic policy direction. Based on data from Bank Indonesia, undisbursed loans as of November 2025 amounted to IDR 2,509.4 trillion, accounting for 23.18% of the total available credit ceiling. With significant credit commitments, there is potential for increased credit realization in the future. Improved economic conditions and growing business confidence could lead to increased lending, fostering real sector growth. OJK actively coordinates with the government and other stakeholders to monitor and maintain financial system stability.