OJK reported that Indonesian bank lending grew 13.65% year on year in August 2026, reaching Rp9,178 trillion. Growth varied across loan categories: investment loans rose 25.11%, working-capital loans 11.45%, and consumer loans 5.07%. These figures show continued expansion in aggregate credit, but they do not mean that access or borrowing conditions are the same for every household or business.

Credit to micro, small and medium enterprises grew 2.32%. Business owners considering new financing should compare the effective interest rate, repayment schedule and cash-flow capacity with realistic sales prospects. Credit can support productive investment when matched to durable demand; it can also add strain if repayment depends on uncertain revenue.

OJK also reported outstanding Buy Now Pay Later (BNPL) loans of Rp31.41 trillion, up 29.10% year on year, across roughly 34 million accounts. BNPL can make payment timing more flexible, but it does not increase a consumer’s underlying income. Before using it, check the total amount due, fees, due dates and the consequences of late payment. Multiple small instalments can become a significant monthly obligation.

The data are national aggregates. Readers should consider credit growth alongside asset quality, household income, business conditions and their own repayment capacity. Neither lending growth nor BNPL expansion is, by itself, a recommendation to borrow or invest.

Source: OJK, September 2026 Board of Commissioners meeting release, published 8 October 2026. https://institute.ojk.go.id/iru/WebSite/ArticleList/View/1084_September_2026_Board_of_Commissioners_Meeting_Financial_Services_Sector_Stability_Remains_Resilient_Amid_Global_Economic_Pressures