Backbone of SMEs, BRI Distributes Over IDR 1,500 Trillion in KUR

Jakarta, CNBC Indonesia - The banking sector continues to record a positive growth outlook in the face of uncertainty in 2026. In May 2026, Bank Indonesia noted that third-party funds (DPK) in the banking sector recorded higher growth, reaching 10.8% year-on-year to IDR 9,698.7 trillion. Group CEO of PT Bank Rakyat Indonesia (Persero) Tbk (BBRI), Hery Gunardi, stated in an Economic Update that banks act as intermediary institutions, collecting third-party funds and channelling them in the form of credit to the public to earn a margin. Amid current global economic and geopolitical turmoil, the banking sector continues to drive business growth through various strategies, including reducing the cost of funds following a 100 basis point increase in the benchmark interest rate to 5.75%. Despite this, Hery Gunardi confirmed that national banks remain very strong, with double-digit credit growth, DPK growing by 10%, and well-maintained capital with controlled non-performing loans. On the other hand, banks are also wary of market tightening due to the rise in the BI rate and SBRI yields, although liquidity remains sufficiently loose to support the government in boosting business and credit growth. In 2026, BRI, as the guardian of the SME sector’s growth, has channelled more than IDR 1,500 trillion in People’s Business Credit since 2015 and is targeting IDR 180 trillion in KUR for 2026, directed towards productive sectors, particularly agriculture and trade. BRI also ensures its role in driving the national economy and government priority programmes through its financial network and ecosystem across Indonesia, aiming to stimulate the people’s economy and encourage micro-enterprises to upgrade, one of which is through the BRIlink service.