{
    "success": true,
    "data": {
        "id": 1678737,
        "msgid": "lps-inactive-accounts-not-an-issue-as-long-as-not-misused-1776239452",
        "date": "2026-04-15 14:17:41",
        "title": "LPS: Inactive Accounts Not an Issue, As Long As Not Misused",
        "author": "Gita Amanda",
        "source": "REPUBLIKA",
        "tags": "",
        "topic": "Banking",
        "summary": "The Deposit Insurance Corporation (LPS) reports approximately 50,000 inactive bank accounts in Indonesia, a 9% decrease from the previous year, but emphasises that the key concern is preventing their misuse rather than the number itself. LPS notes that banking liquidity remains ample, with third-party funds growing by 13.83% annually by the end of 2025, outpacing credit growth of 9.63%, indicating subdued loan demand and unchannelled deposits. Strengthening economic activity is seen as crucial to optimise the flow of these funds into productive sectors.",
        "content": "<p>REPUBLIKA.CO.ID, JAKARTA \u2013 The Deposit Insurance Corporation (LPS)\nrecords the continued presence of inactive accounts in the banking\nsector. Nevertheless, this condition is not considered a primary issue\nas long as it is not exploited for illicit purposes.<\/p>\n<p>LPS Commissioner Council Chairman Anggito Abimanyu stated that the\nnumber of inactive accounts currently stands at around 50,000. This\nfigure has actually declined compared to the previous year.<\/p>\n<p>\u201cInactive accounts have increased, but they have decreased by about 9\npercent,\u201d Anggito said when met after the Halal Bihalal of the Sharia\nEconomy and Finance Forum Group (FG) PP-ISEI 2026 at BSI Tower, Jakarta,\non Tuesday (14\/4\/2026).<\/p>\n<p>According to him, the focus should not be on the number of inactive\naccounts, but rather on their potential misuse. \u201cThe important thing is\nnot the number, but how to ensure that these accounts are not misused,\u201d\nhe said.<\/p>\n<p>Anggito added that ideally, accounts should remain active for\ntransaction activities. However, inactive accounts can still exist if\ntheir use is limited.<\/p>\n<p>On the other hand, LPS views banking liquidity as still sufficiently\nloose. Public funds deposited in banks remain relatively large, but have\nnot been fully channelled into loans. \u201cThe money is still piling up,\nstill in the banks in the form of deposits,\u201d Anggito said.<\/p>\n<p>He explained that this condition is related to weak financing demand.\n\u201cDeposit growth is above 10 percent, while credit is below 10 percent.\nThis shows that credit expansion has not returned to normal,\u201d he\nsaid.<\/p>\n<p>LPS data also indicates that until the end of 2025, third-party funds\ngrew by 13.83 percent annually, higher than credit growth of 9.63\npercent.<\/p>\n<p>Looking ahead, LPS assesses that strengthening economic activity is\nkey to enabling the funds in the banking sector to be more optimally\nchannelled into productive areas.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/lps-inactive-accounts-not-an-issue-as-long-as-not-misused-1776239452",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}