Jakarta (ANTARA) \u2013 The Financial Services Authority (OJK) is\npreparing to strengthen the financing ecosystem for micro, small and\nmedium-sized enterprises (MSMEs) by mapping regional economic potential,\nso that lending is better targeted and sustainable.<\/p>\n
OJK\u2019s Chief Executive for Banking Supervision, Dian Ediana Rae, said\nthe mapping would be carried out through regional economic studies to\nidentify promising sectors and MSME businesses that could contribute to\ntheir development.<\/p>\n
\u201cOur concern going forward is no longer quantity; it is quality,\u201d\nDian said at the 12th National Seminar and Congress of Perbarindo in\nJakarta on Monday.<\/p>\n
According to Dian, OJK\u2019s regional offices will work with commercial\nbanks and rural banks (BPRs) to identify financing opportunities,\nincluding for MSMEs that have not yet gained access to credit.<\/p>\n
\u201cOn that basis, we will work with all banks and all BPRs in each of\nour offices to ensure that lending is more sustainable,\u201d Dian said.<\/p>\n
Alongside economic mapping, OJK is preparing to strengthen the MSME\necosystem by coordinating with ministries, agencies and banks to provide\nbusiness mentoring, technical assistance and support with market\naccess.<\/p>\n
The mentoring will cover efforts to build business owners\u2019 capacity\nand connect MSMEs with buyers for their products, or off-takers.<\/p>\n
Dian stressed that MSME development could not rely on financing\nalone, but also required stronger human resources and business\ngovernance, digitalisation and broader market access.<\/p>\n
OJK has begun a number of supporting measures, including monitoring\nthe implementation of OJK Regulation No.\u00a019 of 2025 on facilitating\naccess to financing for MSMEs and preparing guidance for its\nimplementation.<\/p>\n
Dian said OJK had also begun discussing the use of credit scoring,\ndrafting guidance on how Islamic banking\u2019s social functions could\nsupport MSMEs that do not meet financing requirements, and mapping the\nfinancing ecosystem with stakeholders.<\/p>\n
At the same time, OJK is developing an integrated MSME Financing\nInformation System, improving its financing dashboard and preparing a\nmethodology for an MSME financing index to strengthen data\navailability.<\/p>\n
As part of these efforts, OJK launched its MSME Financing Performance\nProgress Report for the first half of 2026 in early October to support\nthe development of data-based financing policies and strategies.<\/p>\n
According to figures presented by Dian, total MSME financing across\nall financial services sectors reached Rp1,956 trillion in August 2026,\nup 3.36 per cent year on year. Banking was the largest source,\naccounting for 82.78 per cent.<\/p>\n
For comparison, an official OJK report published on 7 October 2026\nput total MSME financing at Rp1,949 trillion in July 2026, up 3.09 per\ncent year on year, with banks accounting for 82.62 per cent.<\/p>\n
Bank lending to MSMEs reached Rp1,529.38 trillion in August 2026,\nequivalent to 16.66 per cent of total bank lending.<\/p>\n
The figure represented annual growth of 2.32 per cent, while the\nnon-performing loan (NPL) ratio stood at 4.53 per cent.<\/p>\n
This was reflected in MSME loans or financing accounting for more\nthan 50 per cent of total lending or financing at rural banks (BPRs) and\nIslamic rural banks (BPRSs) in August 2026.<\/p>\n
Dian also said lending and financing by the BPR-BPRS industry\ntotalled Rp179.48 trillion, up 3.7 per cent, while capital adequacy\nratios stood at 28.5 per cent for BPRs and 17.31 per cent for BPRSs.<\/p>\n
By strengthening an ecosystem that is more integrated between\nnational and regional levels, OJK hopes to increase MSME lending while\nimproving its quality and reducing the risk of problem financing.<\/p>\n
\u201cWe are very confident that the BPR and BPRS industries can play a\nmajor and strategic role in empowering MSMEs and driving regional\neconomies,\u201d Dian said.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/ojk-prepares-msme-financing-based-on-regional-economic-potential-1792403542", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }