Indonesia

October inflation eased to 3.23%, still close to the top of Bank Indonesia's band, with the policy rate held at 5.75%; banks' gross NPL ratio eased to 2.07% in September, while online lending TWP90 rose to 5.36%, above OJK's 5% threshold.

Last updated: 13 Nov 2026
Latest data as of: 31 Oct 2026
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Finance companies' gross NPF ratio2.98%down from 3.04% in August30 Sep 2026 · Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)

Official reserve assetsUSD 146.3bndown from USD 146.5bn at end-August30 Sep 2026 · Bank Indonesia news release: Cadangan Devisa September 2026 Tetap Terjaga (2026-10-07)

Reserves in months of imports

5.2 months including government external debt service.

5.3 monthsdown from 5.4 months at end-August30 Sep 2026 · Bank Indonesia news release: Cadangan Devisa September 2026 Tetap Terjaga (2026-10-07)

Household debt to GDP15.2%15.5% in Q4 202531 Mar 2026 · BIS total credit statistics, series Q.ID.H.A.M.770.A

Online lending TWP90 (90+ day arrears) (%)

Online lending TWP90 (90+ day arrears) (%)
2026-04	4.62
2026-05	4.42
2026-06	4.26
2026-07	4.32
2026-08	4.73
2026-09	5.36

Industry-wide share of licensed P2P (pindar) loans more than 90 days past due (OJK TWP90), month-end · Source: OJK monthly Board of Commissioners press releases (RDKB) (2026-04, 2026-05, 2026-06, 2026-07, 2026-08, 2026-09)

Gross NPL ratio, banks (%)

Gross NPL ratio, banks (%)
2026-03	2.14
2026-04	2.17
2026-05	2.17
2026-06	2.09
2026-07	2.1
2026-08	2.11
2026-09	2.07

Gross NPL ratio of the Indonesian banking industry (OJK), month-end · Source: OJK monthly banking performance (via OJK IRU and ANTARA) (2026-03, 2026-04, 2026-05, 2026-06, 2026-07, 2026-08, 2026-09)

Bank credit growth (y/y) (%)

Bank credit growth (y/y) (%)
2026-03	9.49
2026-04	9.98
2026-05	11.51
2026-06	12.67
2026-07	13.58
2026-08	13.65
2026-09	13.26

Bank credit, y/y at month-end, as announced by Bank Indonesia after its Board of Governors meeting · Source: Bank Indonesia Board of Governors meeting results, as reported by ANTARA and others (2026-03, 2026-04, 2026-05, 2026-06, 2026-07, 2026-08, 2026-09) OJK's announced figures for April, June and July 2026 are identical.

Household credit to GDP (BIS) (%)

Household credit to GDP (BIS) (%)
2024Q2	16.3
2024Q3	16.3
2024Q4	16.2
2025Q1	16
2025Q2	15.8
2025Q3	15.7
2025Q4	15.5
2026Q1	15.2

Credit to households and non-profits from all sectors at market value / GDP, BIS total credit statistics, adjusted for breaks (Q.ID.H.A.M.770.A) · Source: BIS total credit statistics, series Q.ID.H.A.M.770.A

Pawn industry financing, year-on-year growth (%)

Pawn industry financing, year-on-year growth (%)
2026-03	60.27
2026-04	56.8
2026-05	57.97
2026-06	54.47
2026-07	50.73
2026-08	44.6

Year-on-year growth in financing outstanding of OJK-licensed pawn companies (OJK, as reported by Kontan) · Source: OJK monthly press conference data via Kontan (2026-03, 2026-04, 2026-05, 2026-06, 2026-07, 2026-08)

Headline CPI inflation (%)

Headline CPI inflation (%)
2026-05	3.08
2026-06	3.34
2026-07	2.88
2026-08	3.19
2026-09	3.28
2026-10	3.23

Year-on-year change in the national consumer price index (BPS), monthly · Source: Badan Pusat Statistik (BPS), monthly inflation releases (2026-05, 2026-06, 2026-07, 2026-08, 2026-09, 2026-10)

Bank BNPL growth, year on year (%)

Bank BNPL growth, year on year (%)
2026-05	37.72
2026-06	33.54
2026-07	31.22
2026-08	29.1
2026-09	26.68

Year-on-year growth in banks' outstanding BNPL credit, monthly (OJK, SLIK) · Source: OJK monthly press conferences (via Okezone, Kontan, Bisnis.com) (2026-05, 2026-06, 2026-07, 2026-08, 2026-09)

Finance companies' electric and hybrid vehicle financing (IDR trn)

Finance companies' electric and hybrid vehicle financing (IDR trn)
2026-01	21.05
2026-02	21.94
2026-03	22.5
2026-04	23.39
2026-05	23.94
2026-06	24.6
2026-07	25.49
2026-08	26.2

Outstanding financing for electric and hybrid vehicles by OJK-supervised finance companies, month-end · Source: Bisnis.com: Pembiayaan kendaraan listrik sentuh Rp26,20 triliun per Agustus 2026 (2026-10-06) OJK figures as reported by Bisnis.com.

Bank motor-vehicle loans, year on year (%)

Bank motor-vehicle loans, year on year (%)
2026-06	-9.9
2026-07	-10
2026-08	-10.3
2026-09	-9.7

Year-on-year change in outstanding bank motor-vehicle loans (KKB), monthly (BI money-supply analysis) · Source: Bank Indonesia, Analisis Perkembangan Uang Beredar (M2) (2026-06, 2026-07, 2026-08, 2026-09) Latest month is provisional and may be revised in the next BI release.

New-loan net balance in BI's quarterly banking survey (% (net balance))

New-loan net balance in BI's quarterly banking survey (% (net balance))
2025Q1	55.07
2025Q2	85.22
2025Q3	82.33
2025Q4	88.92
2026Q1	38.74
2026Q2	93.08
2026Q3	90.08

Weighted net balance (SBT) of banks reporting higher vs lower new lending in the quarter, BI banking survey · Source: Bank Indonesia: Survei Perbankan Triwulan II 2026 (2025Q1, 2025Q2, 2025Q3, 2025Q4, 2026Q1, 2026Q2, 2026Q3) A net balance of responses, not a growth rate; first-quarter readings are seasonally low every year, so compare the same quarter across years.

Real GDP growth, year on year (%)

Real GDP growth, year on year (%)
2025Q3	5.04
2025Q4	5.39
2026Q1	5.61
2026Q2	5.29
2026Q3	5.47

Real GDP (constant prices), year on year, quarterly, as first reported by BPS · Source: BPS quarterly GDP releases (via ANTARA, CNN Indonesia, Metro TV, Bisnis) (2025Q3, 2025Q4, 2026Q1, 2026Q2, 2026Q3) Each quarter as reported at its release; later BPS revisions are not shown.

Real retail sales growth (BI Real Sales Index, y/y) (%)

Real retail sales growth (BI Real Sales Index, y/y) (%)
2026-06	-3
2026-07	1.1
2026-08	1.3
2026-09	0.6

Year-on-year change in Bank Indonesia's Real Sales Index, realised values from the Retail Sales Survey · Source: Bank Indonesia, Survei Penjualan Eceran (2026-06, 2026-07, 2026-08, 2026-09) Each month shows the realised value as first published in the following survey; BI's one-month-ahead estimates are not plotted.

Key topics

P2P lending (pindar) market

Outstanding P2P lending (Pinjaman Daring, 'pindar') financing reached Rp106.94 trillion in August 2026, up 22.07% year on year (July 2026: 24.76%). OJK press release, RDK Bulanan September 2026 (5 Oct 2026)
The aggregate 90-day default rate (TWP90) of pindar rose to 4.73% in August 2026 from 4.32% in July 2026. OJK press release, RDK Bulanan September 2026 (5 Oct 2026)
In July 2026 outstanding pindar financing was Rp105.63 trillion (+24.76% yoy), and 7 of 94 pindar operators had not yet met the Rp12.5 billion minimum equity requirement; all 7 submitted action plans to OJK. OJK press release, RDK Bulanan Agustus 2026 (7 Sep 2026)
In June 2026 outstanding pindar financing was Rp105.14 trillion (+25.88% yoy) with TWP90 at 4.26% (May 2026: 4.42%); OJK sanctioned 39 pindar operators in July 2026. OJK press release, RDK Bulanan Juli 2026 (4 Aug 2026)
In January 2026 outstanding pindar financing was Rp98.54 trillion (+25.52% yoy) with TWP90 at 4.38% (December 2025: 4.32%); 9 of 95 operators had not met the minimum equity requirement. OJK press release, RDK Bulanan Februari 2026 (3 Mar 2026)

OJK rules for P2P lending

POJK 40/2024 on information-technology-based joint funding services (LPBBTI) was promulgated and took effect on 27 December 2024, revoking POJK 10/POJK.05/2022; it requires minimum equity of Rp12.5 billion at all times and caps funding per borrower at Rp2 billion (up to Rp5 billion for productive loans if the operator's bad-loan ratio is at most 5% over the past six months). OJK regulation page, POJK 40 Tahun 2024 (27 Dec 2024)
Under OJK Circular SEOJK 19/SEOJK.06/2025 (effective 31 July 2025, replacing SEOJK 19/SEOJK.06/2023), the maximum economic benefit (interest and fees) is 0.3% per day for consumptive loans up to 6 months and 0.2% per day above 6 months; for productive loans up to Rp50 million it is 0.275% (up to 6 months) and 0.1% (above 6 months), and 0.1% for productive loans above Rp50 million. SEOJK 19/SEOJK.06/2025 (OJK) (31 Jul 2025)
The same circular sets late-payment fee caps at the same daily rates as the economic-benefit caps, and total economic benefit plus late fees may not exceed 100% of the loan principal. SEOJK 19/SEOJK.06/2025 (OJK) (31 Jul 2025)
A borrower may not receive funding through more than 3 platforms (including the platform concerned), and for consumptive loans total repayments to all creditors are capped at 40% of income in 2025 and 30% from 2026. SEOJK 19/SEOJK.06/2025 (OJK) (31 Jul 2025)
OJK announced that, from 1 January 2025, the daily economic-benefit caps were adjusted; borrowers and lenders must be at least 18 or married, borrowers must earn at least Rp3,000,000 per month (compliance for new customers and renewals by 1 January 2027), and non-professional lenders' share of outstanding funding is capped at 20% by 1 January 2028. OJK press release SP-214/GKPB/OJK/XII/2024 (31 Dec 2024)
Under OJK's consumer-protection rule POJK 22/2023 (effective 22 December 2023), debt collection is allowed only Monday to Saturday, excluding national holidays, from 08:00 to 20:00 local time, without threats, violence, humiliation or contacting parties other than the consumer; third-party collectors must be licensed legal entities with certified staff. OJK FAQ, POJK 22/2023 (22 Dec 2023)

BNPL / paylater

Bank BNPL loans recorded in OJK's credit information system (SLIK) reached Rp31.41 trillion in August 2026, up 29.10% yoy (July 2026: 31.22%), across 34 million accounts. OJK press release, RDK Bulanan September 2026 (5 Oct 2026)
BNPL financing by finance companies (multifinance) grew 36.57% yoy to Rp13.61 trillion in August 2026 (July 2026: 54.65%), with a gross non-performing financing (NPF) ratio of 3.03%. OJK press release, RDK Bulanan September 2026 (5 Oct 2026)
In July 2026 bank BNPL was Rp31.56 trillion, equal to 0.35% of total bank credit. OJK press release, RDK Bulanan Agustus 2026 (7 Sep 2026)
OJK Regulation POJK 32/2025 on BNPL, applying to commercial banks and finance companies (conventional and sharia), was promulgated and took effect on 15 December 2025; existing providers had six months to align their products. OJK regulation page, POJK 32 Tahun 2025 (15 Dec 2025)
OJK Board Member Regulation PADK 2/2026 (stipulated 4 May 2026) on BNPL by finance companies requires age and income eligibility checks to apply by 1 July 2026 at the latest for new customers and financing extensions. OJK regulation page, PADK 2 Tahun 2026 (4 May 2026)
OJK's policy announcement stated that finance-company BNPL may be offered only to customers aged at least 18 or married with income of at least Rp3,000,000 per month, and that BNPL transactions must be recorded in SLIK. OJK press release SP-214/GKPB/OJK/XII/2024 (31 Dec 2024)

Illegal online lending

The Task Force for Eradicating Illegal Financial Activities (Satgas PASTI) reported that the Indonesia Anti-Scam Centre (IASC) received 579,459 public reports of fraud from 22 November 2024 to 31 May 2026 (all scam types, not only lending). OJK info terkini: Satgas PASTI (22 June 2026) (22 Jun 2026)
From 1 January to 31 March 2026, Satgas PASTI stopped 951 illegal online lending (pinjol ilegal) entities and 2 illegal investment offers. OJK info terkini: Satgas PASTI Hentikan 953 Entitas (29 Apr 2026)
From 2017 to 12 November 2025, authorities had halted 14,005 illegal entities, of which 11,873 were illegal online lending or illegal personal-loan (pinpri) entities. Satgas PASTI press release SP-08 (November 2025) (15 Nov 2025)
In its November 2025 release, Satgas PASTI reported blocking a further 611 illegal online lending entities. Satgas PASTI press release SP-08 (November 2025) (15 Nov 2025)

Consumer credit and household context

OJK reported bank credit growth of 13.65% yoy in August 2026 (July: 13.58%), while consumer credit grew 5.07% yoy. OJK press release, RDK Bulanan September 2026 (5 Oct 2026)
Finance-company (multifinance) receivables grew 1.68% yoy to Rp514.08 trillion in August 2026, with gross NPF at 3.04% and net NPF at 0.83%. OJK press release, RDK Bulanan September 2026 (5 Oct 2026)
Bank Indonesia (BI) reported that credit disbursement grew 13.3% yoy in August 2026 (July: 13.0%), alongside broad money (M2) growth of 8.2%. Bank Indonesia news release No.28/195/DKom (24 Sep 2026)
In June 2026 total bank credit grew 12.67% yoy to Rp9,081 trillion and consumer credit grew 5.75% yoy. OJK press release, RDK Bulanan Juli 2026 (4 Aug 2026)
BI reported bank credit growth of 9.69% and consumer credit growth of 6.58% in 2025, projected 2026 credit growth of 8–12%, and noted lending standards remained tight for consumer and MSME segments due to high credit risk. Bank Indonesia news release, RDG January 2026 (21 Jan 2026)
Finance-company receivables grew 1.09% yoy to Rp506.82 trillion in November 2025. OJK press release, RDK Bulanan Desember 2025 (9 Jan 2026)

Each item cites an authority, an exchange or securities filing, or an international organisation. Checked 14 Oct 2026

Key indicators and definitions

Compilers differ; compare like with like.

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Indicator	Value	Definition and scope	Basis date	Source	Definition and source
Finance companies' gross NPF ratio	2.98%down from 3.04% in August	Gross non-performing financing as a share of receivables, finance companies (OJK)Finance companies (multifinance) supervised by OJK	30 Sep 2026	Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)	Definition and source Gross non-performing financing as a share of receivables, finance companies (OJK) Scope: Finance companies (multifinance) supervised by OJK Source: Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)
Official reserve assets	USD 146.3bndown from USD 146.5bn at end-August	Official reserve assets, end of monthBank Indonesia	30 Sep 2026	Bank Indonesia news release: Cadangan Devisa September 2026 Tetap Terjaga (2026-10-07)	Definition and source Official reserve assets, end of month Scope: Bank Indonesia Source: Bank Indonesia news release: Cadangan Devisa September 2026 Tetap Terjaga (2026-10-07)
Reserves in months of imports	5.3 months 5.2 months including government external debt service. down from 5.4 months at end-August	Official reserve assets in months of importsBank Indonesia	30 Sep 2026	Bank Indonesia news release: Cadangan Devisa September 2026 Tetap Terjaga (2026-10-07)	Definition and source Official reserve assets in months of imports Scope: Bank Indonesia Source: Bank Indonesia news release: Cadangan Devisa September 2026 Tetap Terjaga (2026-10-07)
Household debt to GDP	15.2%15.5% in Q4 2025	Credit to households and non-profits from all sectors / GDP (BIS, adjusted for breaks)All lenders	31 Mar 2026	BIS total credit statistics, series Q.ID.H.A.M.770.A	Definition and source Credit to households and non-profits from all sectors / GDP (BIS, adjusted for breaks) Scope: All lenders Source: BIS total credit statistics, series Q.ID.H.A.M.770.A
Undrawn approved credit lines (banks)	IDR 2,548trn Stated by OJK and reported in the press; no OJK release page found. up 7.8% y/y; 21.81% of total approved credit ceilings	Approved credit facilities not yet drawn by borrowers, all loan typesIndonesian banking system	31 Jul 2026	Fortune Indonesia (2026-09-22), quoting OJK banking supervision	Definition and source Approved credit facilities not yet drawn by borrowers, all loan types Scope: Indonesian banking system Source: Fortune Indonesia (2026-09-22), quoting OJK banking supervision
Headline CPI inflation (BPS)	3.23%down from 3.28% in September	Year-on-year change in the consumer price indexIndonesia, national	31 Oct 2026	ANTARA: Inflasi tahunan Oktober 2026 capai 3,23 persen, pangan jadi pendorong (2026-11-02, BPS data)	Definition and source Year-on-year change in the consumer price index Scope: Indonesia, national Source: ANTARA: Inflasi tahunan Oktober 2026 capai 3,23 persen, pangan jadi pendorong (2026-11-02, BPS data)
Online lending TWP90 (pindar, KSSK)	5.36% First given without a month in the KSSK release of 3 November; at its 5 November press conference OJK stated the figure as of September 2026 (Kontan). up from 4.73% in August	Aggregate share of online-lending outstanding more than 90 days past due (TWP90), as given in the KSSK releaseLicensed online (P2P) lending platforms (pindar)	30 Sep 2026	Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)	Definition and source Aggregate share of online-lending outstanding more than 90 days past due (TWP90), as given in the KSSK release Scope: Licensed online (P2P) lending platforms (pindar) Source: Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)
BI-Rate (policy rate)	5.75%unchanged; third consecutive hold	Bank Indonesia benchmark policy rateIndonesia, national	23 Sep 2026	ANTARA: BI-Rate kembali bertahan di level 5,75 persen pada RDG September	Definition and source Bank Indonesia benchmark policy rate Scope: Indonesia, national Source: ANTARA: BI-Rate kembali bertahan di level 5,75 persen pada RDG September
Headline CPI inflation (BPS)	3.19%	Year-on-year change in the consumer price indexIndonesia, national	31 Aug 2026	BPS: Inflasi year-on-year (y-on-y) pada Agustus 2026 sebesar 3,19 persen	Definition and source Year-on-year change in the consumer price index Scope: Indonesia, national Source: BPS: Inflasi year-on-year (y-on-y) pada Agustus 2026 sebesar 3,19 persen
Multifinance non-performing financing (NPF) ratio, gross	3.03%	Non-performing financing as a share of financing receivables, before provisionsMultifinance (finance) companies	31 Jul 2026	ANTARA: OJK: 42 perusahaan multifinance punya NPF bruto di atas 5 persen	Definition and source Non-performing financing as a share of financing receivables, before provisions Scope: Multifinance (finance) companies Source: ANTARA: OJK: 42 perusahaan multifinance punya NPF bruto di atas 5 persen
Online lending TWP90 (90+ day arrears)	4.32%	Share of outstanding loans more than ninety days past due, industry-wide (OJK TWP90)Licensed online lending (pindar / P2P) platforms	31 Jul 2026	Okezone: Warga RI Terlilit Utang Pinjol Rp105,6 Triliun (2026-09-08)	Definition and source Share of outstanding loans more than ninety days past due, industry-wide (OJK TWP90) Scope: Licensed online lending (pindar / P2P) platforms Source: Okezone: Warga RI Terlilit Utang Pinjol Rp105,6 Triliun (2026-09-08)
Official reserve assets	USD 146.5bnUSD 145.3bn at end-July	Official reserve assets, end of monthBank Indonesia	31 Aug 2026	Bank Indonesia news release (2026-09-07)	Definition and source Official reserve assets, end of month Scope: Bank Indonesia Source: Bank Indonesia news release (2026-09-07)
Reserves in months of imports	5.4 months 5.3 months including government external debt service.	Official reserve assets in months of importsBank Indonesia	31 Aug 2026	Bank Indonesia news release (2026-09-07)	Definition and source Official reserve assets in months of imports Scope: Bank Indonesia Source: Bank Indonesia news release (2026-09-07)
Bank credit growth (BI, YoY)	13.3% Bank Indonesia's money-survey credit series (loans only; excludes debt securities and bankers' acceptances). Differs from OJK's commercial-bank series. Headline total growth confirmed in BI's release (bi.go.id, checked 2026-09-29); segment breakdowns from media reports citing BI (Kontan, Industry.co.id), which agree. up from 13.0% in July 2026	Year-on-year growth of outstanding bank loans (BI money survey)Indonesia, banking system (BI money-survey basis)	31 Aug 2026	Kontan: Kredit Bank Makin Kencang, Tembus Rp9.019 Triliun pada Agustus 2026 (2026-09-24), citing Bank Indonesia	Definition and source Year-on-year growth of outstanding bank loans (BI money survey) Scope: Indonesia, banking system (BI money-survey basis) Source: Kontan: Kredit Bank Makin Kencang, Tembus Rp9.019 Triliun pada Agustus 2026 (2026-09-24), citing Bank Indonesia
Consumer credit growth (BI, YoY)	5.0% Bank Indonesia's money-survey credit series (loans only; excludes debt securities and bankers' acceptances). Differs from OJK's commercial-bank series. Headline total growth confirmed in BI's release (bi.go.id, checked 2026-09-29); segment breakdowns from media reports citing BI (Kontan, Industry.co.id), which agree. down from 5.3% in July 2026	Year-on-year growth of bank consumption loans (kredit konsumsi), BI money surveyIndonesia, banking system (BI money-survey basis)	31 Aug 2026	Industry.co.id: Uang Beredar Agustus 2026 Tumbuh 8,2%, Kredit Perbankan Makin Terakselerasi (2026-09-24), citing Bank Indonesia	Definition and source Year-on-year growth of bank consumption loans (kredit konsumsi), BI money survey Scope: Indonesia, banking system (BI money-survey basis) Source: Industry.co.id: Uang Beredar Agustus 2026 Tumbuh 8,2%, Kredit Perbankan Makin Terakselerasi (2026-09-24), citing Bank Indonesia
Headline CPI inflation (BPS)	3.28%up from 3.19% in August	Year-on-year change in the consumer price indexIndonesia, national	30 Sep 2026	ANTARA: Inflasi tahunan RI capai 3,28 persen pada September 2026 (2026-10-01, BPS data)	Definition and source Year-on-year change in the consumer price index Scope: Indonesia, national Source: ANTARA: Inflasi tahunan RI capai 3,28 persen pada September 2026 (2026-10-01, BPS data)
Gross NPL ratio, banks (OJK)	2.11%up from 2.10% in July	Gross non-performing loans / total loans, Indonesian commercial banks, as announced by OJKIndonesian banking industry	31 Aug 2026	Asbisindo (republishing OJK press release): OJK luncurkan RP3I 2026-2030 (2026-10-02)	Definition and source Gross non-performing loans / total loans, Indonesian commercial banks, as announced by OJK Scope: Indonesian banking industry Source: Asbisindo (republishing OJK press release): OJK luncurkan RP3I 2026-2030 (2026-10-02)
Online lending TWP90 (90+ day arrears)	4.73%up from 4.32% in July	Share of outstanding loans more than ninety days past due, industry-wide (OJK TWP90)Licensed online lending (pindar / P2P) platforms	31 Aug 2026	OJK: Siaran Pers RDKB September 2026 (SP 185/OJK/DKPU/X/2026, 2026-10-05)	Definition and source Share of outstanding loans more than ninety days past due, industry-wide (OJK TWP90) Scope: Licensed online lending (pindar / P2P) platforms Source: OJK: Siaran Pers RDKB September 2026 (SP 185/OJK/DKPU/X/2026, 2026-10-05)
Bank BNPL outstanding (OJK)	IDR 31.41 trndown from IDR 31.56 trn at end-July	Outstanding buy-now-pay-later credit at banks, as reported by OJK from SLIKIndonesia, commercial banks (SLIK data)	31 Aug 2026	Bisnis.com: Outstanding pay later di bank naik hampir 30%, kredit konsumsi lesu (2026-10-05, OJK press conference)	Definition and source Outstanding buy-now-pay-later credit at banks, as reported by OJK from SLIK Scope: Indonesia, commercial banks (SLIK data) Source: Bisnis.com: Outstanding pay later di bank naik hampir 30%, kredit konsumsi lesu (2026-10-05, OJK press conference)
Gross NPL ratio, banks (KSSK/OJK)	2.07%down from 2.11% in August	Gross non-performing loans / total loans, Indonesian banks, as reported in the KSSK releaseIndonesian banking industry	30 Sep 2026	Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)	Definition and source Gross non-performing loans / total loans, Indonesian banks, as reported in the KSSK release Scope: Indonesian banking industry Source: Bank Indonesia: KSSK press release No. 04/KSSK/Pers/2026 on financial system stability, Q3 2026 (2026-11-03)
Bank paylater (BNPL) growth	26.68%down from 29.10% in August	Year-on-year growth of outstanding bank paylater (BNPL) creditBanks, paylater credit recorded in OJK's SLIK	30 Sep 2026	Kontan: Paylater Perbankan Masih Subur, Tumbuh 26,68% yoy per September 2026 (2026-11-05, OJK data)	Definition and source Year-on-year growth of outstanding bank paylater (BNPL) credit Scope: Banks, paylater credit recorded in OJK's SLIK Source: Kontan: Paylater Perbankan Masih Subur, Tumbuh 26,68% yoy per September 2026 (2026-11-05, OJK data)
Real GDP growth, Q3 2026 (BPS)	5.47% First release; BPS may revise it with the Q4 release. up from 5.29% in Q2 2026 and 5.04% in Q3 2025	Real GDP (constant prices), year on year, BPSIndonesia, national	30 Sep 2026	ANTARA: BPS — Indonesia's economy grew 5.47% in Q3 2026 (2026-11-05)	Definition and source Real GDP (constant prices), year on year, BPS Scope: Indonesia, national Source: ANTARA: BPS — Indonesia's economy grew 5.47% in Q3 2026 (2026-11-05)

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