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non-performing-loan

Academia 1 month ago

PREMIUM
Turning 80,000 new cooperatives into real engines of change

By adopting cooperatives as 'value-chain partners', corporate actors can provide the technical mentorship and quality standardizations that professionalize rural operations.

Academia 2 months ago

PREMIUM
Year-end consumption surge: A sign of recovery or a seasonal mirage?

Focusing solely on credit expansion risks overlooking the fundamental issues of inequality and structural weakness in domestic demand.

Editorial 1 year ago

Costly cooperatives gamble

President Prabowo Subianto’s goal of establishing between 70,000 and 80,000 new cooperatives using loans from state-run lenders is problematic and could pose a serious financial risk.

Academia 1 year ago

PREMIUM
The dark side of Indonesia’s digital finance revolution

Digital finance has many proven benefits, but the rising trend in both online gambling and online lending have led many down the spiraling path into a vicious cycle of addiction and debt.

Academia 2 years ago

PREMIUM
Revisiting policies on lowering the credit cost for Indonesian banks

Despite being on a declining trend since the 1998 Asian financial crisis, credit cost in Indonesia still remains the highest in ASEAN-5, and a different policy approach is needed to make the banking sector more competitive.

Academia 2 years ago

PREMIUM
Bank Indonesia's agenda to boost lending growth in 2024

BI, as the monetary authority, will again inject liquidity into the banking industry next year by increasing macroprudential liquidity policy incentives and loosening the macroprudential liquidity buffer ratio.

Academia 2 years ago

PREMIUM
Bridging Indonesia's financial inclusion gap: Innovations for the unbanked

One solution to bridging the financial inclusion gap in Indonesia is ICS, which enables lenders to assess a loan applicant's creditworthiness through nontraditional data points, like utility payments and e-commerce transactions.

Academia 3 years ago

From daunting to digital: How technology makes debt collections better

One of the reasons why it is difficult to obtain debt repayment in Indonesia is that collections have traditionally been a manual and labor-intensive activity.