Global Economic Pressures Mount, Yet BPRS Financing Grows and Surpasses Rp 20.53 Trillion

The Association of Islamic Rural Economic Banks (Himbarsi) has revealed that the US-Israel war against Iran is pressuring economic growth in Indonesia. Nevertheless, this situation has not yet significantly affected financing in Islamic Rural Financing Banks (BPRS).

A member of the Deposit Insurance Corporation (LPS) Board of Commissioners, Doddy Zulverdi, stated that the current condition of BPRS in Indonesia shows a positive trend. Financing value has surpassed Rp 20.53 trillion, and third-party funds (DPK) have exceeded Rp 17.85 trillion.

“We know Indonesia’s economy can hold up quite well. But now our economic pressures from tariffs imposed by the US are quite pressing,” Doddy said while attending the National Working Meeting and BPRS Summit 2026 in Mataram on Monday (20/4/2026).

According to Doddy, the performance of all BPRS nationwide is also under pressure from global economic strains, although their intermediary function remains intact.

To maintain growth in savings and loans at BPRS, Doddy said it is necessary to optimise performance while leveraging the national Islamic banking industry. According to Doddy, this Rekernas BPRS Summit 2026 aims to enhance synergy and boost innovation in BPRS performance.

“Why must we synergise? Because BPR Syariah’s performance in recent years has been positive. However, there are many things we must consider. Especially with the global and domestic economic situation still full of pressures,” he stated.

Doddy said the global pressure condition remains full of uncertainty. Therefore, resilience and strengthening innovation are important to overcome the pressures and enable growth and recovery.

“BPRS must also improve its business model to be more competitive so that public trust in placing funds in BPRS remains well maintained,” Doddy added.

Himbarsi Chairman Alfi Wijaya said that BPRS customers are mostly micro, small, and medium enterprise (UMKM) actors. The current global pressure impact is causing the economy at the grassroots level to weaken.

“Thus, steps need to be prepared to anticipate unwanted conditions in the future. We are currently seeking the right model strategy on how BPRS can operate well,” Alfi said.

He conveyed that steps BPRS can take to face unstable global and domestic economic conditions include increasing economic scale, implementing efficiency, improving business models, and enhancing governance.

“So that public trust in placing their funds in BPRS can remain well maintained,” he said.

So far, the national lending institution (LPS) has supported capacity building for BPRS management throughout Indonesia through various trainings. The aim is for BPRS management to be able to manage the bank well.

He said BPRS in the future must transform into digital services by strengthening information technology, so that services to the public can continue to be improved.

“We also need to provide financial literacy to the public,” he added.

The Organising Committee Chairman, Ivan Eroka Yuliadji, stated that this event is expected to strengthen synergy among industry players.

“The Rakernas and BPRS Summit 2026 become an important momentum to unite visions, strengthen collaboration, and drive innovation for the sustainable advancement of the BPRS industry,” he said on Monday (20/4/2026).

Embracing the spirit of collaboration and transformation, this event is not only a national coordination forum through Rakernas but also a platform for exchanging strategic ideas in the BPRS Summit.

NTB Governor Lalu Muhamad Iqbal stated that the NTB Provincial Government has carried out total improvements within the Bank NTB Syariah. Various past issues in Bank NTB Syariah are being swiftly resolved.

“We also have BPR NTB with assets of Rp 1.3 trillion. We are asking it to manage part-time PPPK salaries for the NTB Provincial Government. We are in the process of converting it to BPR Syariah. Please assist in supervising the audit,” Iqbal said.

Iqbal admitted to having experienced the economic crisis in Turkey in 2008, which reached 80 percent inflation. Currently, the world is facing global uncertainty. Learning from that situation, Iqbal said entrepreneurs only need economic certainty.

“In business, entrepreneurs only look at certainty. Interest rates can rise as long as they are stable, prices can rise, no problem. From all crisis conditions, the one thing entrepreneurs fear is economic instability,” he said.

This uncertainty in global economic conditions, he said, is most disliked by conglomerates and entrepreneurs. Because this global instability indicates that global conditions are not yet stable.

“We know this Middle East conflict tends to raise prices downwards. Everything rising causes global situation uncertainty,” he said.

Therefore, he said, sharia principles are the right step. Because sharia principles are not only about profit-sharing but also about responsibility sharing.

“The Islamic banking side is interesting because of its prudent principles. We hope BPR Syariah continues to strengthen the micro economy in society. We in the NTB Provincial Government are also pushing for strengthening in the micro and productive sectors amid society,” he emphasised.