Video: Banker Reveals Why UMKM Credit Is Slowing, Purchasing Power Is Falling?

Video: Banker Reveals Why UMKM Credit Is Slowing, Purchasing Power Is Falling?

Jakarta, CNBC Indonesia – The Financial Services Authority (OJK) has recorded a trend of slowing credit disbursement in the UMKM sector, which by January 2026 stood at Rp1,482.99 trillion, as a result of global economic turbulence, pressure on the purchasing power of lower-income households, and the incomplete recovery of the UMKM sector post the COVID-19 pandemic.

Financial Business Planning Director Bank Sahabat Sampoerna, Henky Suryaputra, agrees that the pressure on UMKM lending is due to still-weak demand amid an economy that continues to face challenges.

At Bank Sahabat Sampoerna, 50% of the credit portfolio is in the UMKM sector, so when demand for UMKM loans slows it will impact companies. However Bank Sahabat Sampoerna still sees opportunities for growth in UMKM lending by applying a prudent approach and seeking opportunities in sectors with growth potential, one of which is palm oil farmers.

In addition, the trimming of Kredit Usaha Rakyat (KUR) disbursements in 2026 presents an opportunity for Bank Sahabat Sampoerna to target UMKM lending to segments not covered by KUR.

What are the impacts and strategies for UMKM credit disbursement? Watch the dialogue between Andi Shalini and Henky Suryaputra, the Financial Business Planning Director at Bank Sahabat Sampoerna, on Power Lunch, CNBC Indonesia (Friday, 06/03/2026).