{
    "success": true,
    "data": {
        "id": 1564188,
        "msgid": "undisbursed-loans-rise-to-rp2-506-trillion-in-january-2026-as-thomas-djiwandono-addresses-banking-liquidity-1771640736",
        "date": "2026-02-19 20:44:46",
        "title": "Undisbursed Loans Rise to Rp2,506 Trillion in January 2026 as Thomas Djiwandono Addresses Banking Liquidity",
        "author": "Lida Puspaningtyas",
        "source": "REPUBLIKA",
        "tags": "",
        "topic": "Banking",
        "summary": "Bank Indonesia recorded undisbursed loans in the banking sector reaching Rp2,506 trillion in January 2026, up from Rp2,439 trillion the previous month, representing 22.65 per cent of available credit ceilings. BI Deputy Governor Thomas Djiwandono sought to reassure markets by stressing that banking liquidity and capital resilience remain strong, with the central bank having conducted stress tests and deployed macroprudential incentives worth Rp427.5 trillion to encourage lending.",
        "content": "<p>Bank Indonesia (BI) recorded that the volume of undisbursed loans in\nthe banking sector reached Rp2,506.47 trillion as of January 2026. This\nfigure rose from Rp2,439 trillion in the preceding month, representing\n22.65 per cent of the total available credit ceiling.<\/p>\n<p>Despite the increase in idle credit facilities, overall banking\ncredit grew by 9.96 per cent year-on-year in January 2026. The high\nlevel of undisbursed loans is seen as reflecting weak demand from\nbusinesses and households rather than a shortage of available funds,\namid uncertainty over future economic prospects.<\/p>\n<p>BI Deputy Governor Thomas Djiwandono assured that the liquidity\nresilience and capital adequacy of the national banking industry remain\nin strong condition. He stated that the central bank has conducted\nliquidity stress tests to measure banks\u2019 capacity to withstand various\npressure scenarios.<\/p>\n<p>Banking liquidity indicators remain comfortable, with the Liquid\nAssets to Third-Party Funds (AL\/DPK) ratio standing at 27.54 per cent.\nThird-party fund growth was robust at 13.48 per cent year-on-year in\nJanuary 2026.<\/p>\n<p>The figures come as BI continues its efforts to stimulate credit\ndistribution following five consecutive interest rate cuts. The central\nbank strengthened its Macroprudential Liquidity Incentive Policy (KLM)\nfrom 16 December 2025, directing incentives towards lending in priority\nsectors. In the first week of February 2026, banks received Rp427.5\ntrillion in KLM incentives.<\/p>\n<p>Bank Indonesia projected credit growth for 2026 in the range of 8 to\n12 per cent, maintaining an optimistic outlook despite the persistently\nhigh level of undisbursed loans in the system.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/undisbursed-loans-rise-to-rp2-506-trillion-in-january-2026-as-thomas-djiwandono-addresses-banking-liquidity-1771640736",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}