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A Ticking Time Bomb of MSME Bad Loans

Monday, March 30, 2026

The non-performing loan ratio in the MSME segment is approaching the 5 percent threshold. Multiple pressures are piling up.

arsip tempo : 177880172673.

A craftworker makes rattan handicrafts in Grogol, Jakarta, Wednesday, September 17, 2025. Tempo/Martin Yogi Pardamean. tempo : 177880172673.

HERMAWATI Setyorinny’s cell phone has been ringing more frequently since late last year. The Chair of the Indonesian Micro, Small, and Medium Enterprises Industry Association has been receiving a stream of messages and phone calls. Most contain complaints about the sluggish economy, which has left members of the association struggling to keep up with installments on working-capital loans from banks and financing institutions. “Sales a

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Ghoida Rahmah

Caesar Akbar and Anastaya Lavenia Putri contributed to the writing of this article.

MSMEs Non-performing loan KUR MSME credit BRI
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