Financial Performance Maintained, Jamkrindo Expands Support for SMEs and Cooperatives
PT Jaminan Kredit Indonesia (Jamkrindo), a member of the Indonesia Financial Group (IFG), recorded resilient financial performance throughout 2025, supported by adaptive business strategies and prudent risk management amid industry dynamics. Jamkrindo booked a pre-tax profit of Rp1.28 trillion and net profit of Rp1.05 trillion, reflecting the company’s operational consistency.
Jamkrindo’s financial performance for the 2025 fiscal year also reflects the company’s consistency in generating profits every year since its establishment in 1970. Jamkrindo has consistently contributed to the economy by paying taxes to the state and depositing dividends to shareholders.
From a financial structure perspective, Jamkrindo recorded total assets of Rp30.86 trillion, with total equity of Rp13.84 trillion, reflecting a strong capital foundation to support business expansion and sustainable risk management. Meanwhile, gross guarantee fees were recorded at Rp7.12 trillion.
On the other hand, in line with economic and financial industry dynamics, the increase in guarantee activities was accompanied by a rise in gross claims expenses to Rp6.6 trillion. Nevertheless, Jamkrindo maintained overall performance with strong fundamentals and disciplined risk management.
From an operational achievement perspective, throughout 2025, Jamkrindo’s guarantee volume reached Rp247.57 trillion, demonstrating a strong business scale and contribution to the national productive sector. Jamkrindo has reached more than 5.56 million micro, small, and medium enterprises (MSMEs) and cooperatives.
EMPOWERING MSMEs
Acting President Director of Jamkrindo, Abdul Bari, explained that in line with the national development agenda within the framework of Asta Cita, Jamkrindo continues to strengthen its role in empowering MSMEs and cooperatives through expanded financing access, improved guarantee quality, and strengthened collaboration in the national financing ecosystem. These efforts are also supported by sustainable transformation through strengthened governance, risk management, and business model optimisation.
“In the midst of industry dynamics, Jamkrindo maintains resilient performance through strengthened business fundamentals and disciplined risk management. We not only focus on growth but also ensure the quality and sustainability of the company’s performance,” said Abdul Bari in Jakarta on Thursday (9/4).
Abdul Bari added that Jamkrindo is committed to continuing to expand financing access for MSMEs and cooperatives as the backbone of the national economy. Jamkrindo aims to ensure that more business actors gain financing access and can develop sustainably through guarantee services.
“Moving forward, Jamkrindo will continue to strengthen its role as a strategic partner in developing MSMEs and cooperatives through expanded financing access, strengthened guarantee ecosystem, and creation of sustainable economic and social value to support inclusive and competitive Indonesian economic growth,” he said.
Not only through guarantees, Jamkrindo also actively provides mentoring and empowerment for MSMEs and cooperatives to increase business capacity and competitiveness. Mentoring programmes are conducted through training, skill enhancement, and strengthened market access for business actors, including women’s groups and persons with disabilities, thereby driving business independence and sustainability.
IMPLEMENTATION OF CSR
These efforts are strengthened through the implementation of the Social and Environmental Responsibility Programme (CSR) focusing on community economic development, including MSME empowerment programmes, entrepreneurship training, and community welfare improvement initiatives. This programme not only provides economic impact but also creates sustainable social value for society.
“We believe that support for MSMEs is not enough just through financing access, but also through sustainable mentoring. Through various empowerment programmes, we want to ensure that business actors can level up, have competitiveness, and grow independently,” said Abdul Bari.
The Jamkrindo Consolidated Financial Report has been audited by the Public Accounting Firm Amir Abadi Jusuf, Aryanto, Mawar & Rekan (member of the global RSM network) dated 30 March 2026 with an unqualified opinion on the Consolidated Financial Report. “This opinion further solidifies Jamkrindo’s position as a credible and professional guarantee institution,” said Abdul Bari.