{
    "success": true,
    "data": {
        "id": 1707968,
        "msgid": "third-party-funds-predicted-to-grow-but-publics-saving-capacity-weakens-1777449207",
        "date": "2026-04-29 12:33:00",
        "title": "Third-Party Funds Predicted to Grow, but Public's Saving Capacity Weakens",
        "author": "Sakina Rakhma Diah Setiawan",
        "source": "KOMPAS",
        "tags": "",
        "topic": "Banking",
        "summary": "Amid ongoing pressures on consumer purchasing power, Indonesia's household third-party funds (DPK) in banking show signs of recovery, supported by rising incomes, seasonal factors like year-end bonuses and government spending, and precautionary saving amid global economic uncertainties. However, OJK officials note that while DPK growth is positive, it does not necessarily indicate strong consumption, and ideal growth should align with increased lending and retail transactions for sustainable recovery. Bank Indonesia's survey forecasts continued DPK expansion through the second quarter of 2026, albeit at a slower pace than the previous year.",
        "content": "<p>In the midst of purchasing power pressures that have yet to fully\nrecover, household third-party funds (DPK) are showing signs of\nrecovery. Public deposits in banking continue to grow, supported by\nincreases in income, seasonal factors, and the tendency of households to\nbolster reserve funds amid global economic uncertainties. However,\nbehind the DPK growth, several indicators also show caution. The\nFinancial Services Authority (OJK) views the recovery of household DPK\nas influenced by several factors, particularly the improvement in\neconomic activity in both formal and informal sectors that support\npublic income. OJK\u2019s Executive Head of Banking Supervision, Dian Ediana\nRae, stated that seasonal factors such as year-end bonuses, Holiday\nAllowance (THR), and government spending realisations also increase\nliquidity among the public and drive deposit growth. \u201cThe ongoing global\nuncertainties also encourage the public\u2019s preference to hold back on\nconsumption and place funds in banking instruments as a form of caution\n(precautionary saving),\u201d said Dian in a written statement, quoted on\nWednesday (29\/4\/2026). Amid global uncertainties, this pattern also\nsupports DPK, although it does not necessarily reflect strong public\nconsumption. According to Dian, DPK growth ideally should also go hand\nin hand with credit growth and retail transaction activity. Thus,\ndeposit growth not only reflects fund accumulation but also mirrors\nsustainable purchasing power recovery. The prospects for banking fund\nmobilisation throughout 2026 remain positive, although the pace is\nexpected to slow compared to the previous year. Bank Indonesia\u2019s March\n2026 Banking Survey indicates that cumulatively up to the second quarter\nof 2026, DPK mobilisation is projected to increase.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/third-party-funds-predicted-to-grow-but-publics-saving-capacity-weakens-1777449207",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}