BI Reveals Credit Flow to Four Sectors Remains Suboptimal

Jakarta, CNBC Indonesia — Bank Indonesia (BI) has revealed that a number of strategic sectors have yet to receive optimal banking credit flows, despite being regarded as having significant potential to drive economic growth and job creation.

BI Senior Deputy Governor Destry Damayanti said the central bank’s assessment shows at least four sectors where credit growth remains below potential: agriculture, trade, transport (logistics), and manufacturing.

“We do see that there are still several sectors whose credit growth remains below their potential, and we have begun conducting assessments on sectors that still have considerable room for credit growth, namely agriculture, trade, transport (logistics), and manufacturing,” Destry said at a press conference following BI’s Board of Governors Meeting on Wednesday (22/7/2026).

According to Destry, these sectors still hold substantial room for expansion, particularly because their financing needs have not been fully met by the banking industry. At the same time, these sectors are also a focus of the government in driving national economic growth.

“These sectors actually still have room to grow, especially if we look at agriculture, transport, and trade, where the credit gap remains large,” she said.

The size of this credit gap indicates a continuing discrepancy between financing needs and the credit actually received by businesses. As such, BI believes there is still ample room to increase lending to these priority sectors.

To accelerate financing, BI is also continuing to optimise various macroprudential liquidity incentive (KLM) instruments. This step is expected to encourage banks to lend more aggressively to productive sectors that have large multiplier effects on the economy.

“So this means there is still room to increase credit to these sectors,” Destry said.

Boosting financing to the agriculture, trade, logistics, and manufacturing sectors is considered important because these sectors contribute significantly to domestic economic activity while also absorbing large numbers of workers. With increased credit flows, BI hopes that production capacity, distribution, and business activity in these sectors can grow faster and support national economic growth.