OJK Seeks to Strengthen Credit Access for MSMEs
Jakarta (ANTARA) — The Financial Services Authority (OJK) is seeking to strengthen financing access for the micro, small, and medium enterprise (MSME) sector so that credit disbursement to businesses in this segment can continue to increase.
OJK Board of Commissioners Chairperson Friderica Widyasari Dewi said support for MSMEs and market deepening are among her institution’s priorities, and were among the topics discussed at a meeting of the Financial System Stability Committee (KSSK) with Commission XI of the House of Representatives (DPR RI) in Jakarta on Monday.
“Earlier, members of Commission XI raised many questions about MSME credit. So this is homework for all of us — how MSME credit can grow,” she said when met after the meeting.
For 2026, the OJK projects credit disbursement to MSMEs to grow 7–9 per cent year on year.
Furthermore, Friderica explained that the banking sector currently remains sound, with positive credit growth. According to the OJK’s records, banking credit grew 11.5 per cent to a value of around Rp8,600 trillion, whilst liquidity conditions also remain well maintained.
She explained that the OJK, together with fellow KSSK members — the Ministry of Finance, Bank Indonesia, and the Deposit Insurance Corporation (LPS) — is ensuring that coordination to safeguard the stability of the national financial services sector runs well.
Previously, the OJK continued to strengthen the national credit information infrastructure through the optimisation of the Financial Information Service System (SLIK) in order to improve the quality of debtor information, widen access to healthy financing, and support credit disbursement to the productive sector, including MSMEs, as well as the Three Million Homes Programme.
The optimisation of SLIK forms part of the OJK’s commitment to improving the quality and targeting of credit and financing disbursement to the public, thereby supporting the stability of the financial sector.
The SLIK optimisation, which takes effect on 1 July 2026, includes accelerating the updating of credit or financing information by Financial Services Business Actors (PUJK) to no later than three working days after full repayment, as well as applying a debtor information threshold for amounts above Rp1 million, so that the information presented remains proportionate and relevant to the credit analysis process.
In addition, in an official statement, the OJK said its commitment to continuing to promote broader, easier, and more inclusive financing access for MSMEs will be one of the main pillars in safeguarding financial system stability and supporting sustainable economic growth.