ID · Country summary
Indonesia
Last updated: 28 Sep 2026
Bank Indonesia held its policy rate at 5.75% with August inflation at 3.19%; online lending TWP90 was 4.32% and finance companies' gross NPF 3.03% in July.
Key indicators and definitions
| Indicator | Value | Definition and scope | Basis date | Source | Definition and source |
|---|---|---|---|---|---|
| Headline CPI inflation (BPS) | 3.19% | Year-on-year change in the consumer price indexIndonesia, national | 31 Aug 2026 | BPS: Inflasi year-on-year (y-on-y) pada Agustus 2026 sebesar 3,19 persen | Definition and sourceYear-on-year change in the consumer price index Scope: Indonesia, national Source: BPS: Inflasi year-on-year (y-on-y) pada Agustus 2026 sebesar 3,19 persen |
| BI-Rate (policy rate) | 5.75%unchanged; third consecutive hold | Bank Indonesia benchmark policy rateIndonesia, national | 23 Sep 2026 | ANTARA: BI-Rate kembali bertahan di level 5,75 persen pada RDG September | Definition and sourceBank Indonesia benchmark policy rate Scope: Indonesia, national Source: ANTARA: BI-Rate kembali bertahan di level 5,75 persen pada RDG September |
| Online lending TWP90 (90+ day arrears) | 4.32% | Share of outstanding loans more than ninety days past due, industry-wide (OJK TWP90)Licensed online lending (pindar / P2P) platforms | 31 Jul 2026 | Okezone: Warga RI Terlilit Utang Pinjol Rp105,6 Triliun (2026-09-08) | Definition and sourceShare of outstanding loans more than ninety days past due, industry-wide (OJK TWP90) Scope: Licensed online lending (pindar / P2P) platforms Source: Okezone: Warga RI Terlilit Utang Pinjol Rp105,6 Triliun (2026-09-08) |
| Multifinance gross NPF ratio | 3.03% | Non-performing financing as a share of financing receivables, before provisionsMultifinance (finance) companies | 31 Jul 2026 | ANTARA: OJK: 42 perusahaan multifinance punya NPF bruto di atas 5 persen | Definition and sourceNon-performing financing as a share of financing receivables, before provisions Scope: Multifinance (finance) companies Source: ANTARA: OJK: 42 perusahaan multifinance punya NPF bruto di atas 5 persen |
Articles
- Data as of 2026-09-25Regulation
OJK plans write-off rules for microfinance institutions, due in Q4 2026
OJK plans to insert write-off provisions (Articles 110A–110C) into its LKM regulation, POJK 41/2024.
- Data as of 2026-09-24Competition & capital
Indonesia's DOKU rebrands as 'DOKU by Antom' and appoints a new CEO
On 24 September DOKU named co-founder Himelda Renuat CEO and rebranded as 'DOKU by Antom'.
- Data as of 2026-09-23Macro & households
Bank Indonesia holds BI-Rate at 5.75%, prioritising currency stability
BI kept the BI-Rate at 5.75% at its 22–23 September board meeting.
- Data as of 2026-09-17Credit
OJK official says AI credit scores should not be the sole basis for lending decisions
An OJK department head said AI scores from private credit bureaus (LPIP) should not be the only basis for approvals.
- Data as of 2026-09-17Regulation
OJK scraps plan to cap online borrowers at three lenders
On 17 September 2026 OJK cancelled the planned limit of three pindar lenders per borrower.
- Data as of 2026-09-14Credit
Indonesian finance companies with gross NPF above 5% rise to 42 in July
42 finance companies had gross NPF above 5% in July, up from 38 in June (OJK).
- Data as of 2026-09-09Macro & households
Indonesia's August consumer confidence rises to 118.5 as saving share falls to 15.8%
BI's August consumer confidence index (IKK) was 118.5, up 1.7 points from 116.8 in July.
- Data as of 2026-09-08Credit
Indonesian finance companies' BNPL book up 54.65% year on year as approvals tighten
Finance companies' BNPL receivables were IDR 13.62 trn at end-July, up 54.65% year on year.
- Data as of 2026-09-07Credit
Indonesia's online lending book reaches IDR 105.63 trn, up 24.76%; TWP90 at 4.32%
Pindar (peer-to-peer) outstanding loans were IDR 105.63 trn at end-July, up 24.76% year on year (OJK).
- Data as of 2026-09-01Macro & households
Indonesia's August CPI inflation at 3.19%, nearing the 3.5% ceiling of BI's target
August CPI rose 3.19% year on year, 0.21% month on month and 1.86% year to date (BPS, 1 September).