PT Bank Rakyat Indonesia (Persero) Tbk (BRI) allocated Rp1,250 trillion in loans to micro, small, and medium enterprises (MSMEs) as of September 2026, representing 75.9% of its total loan portfolio. The financing reflects BRI's continued commitment to expanding access to capital for small businesses and supporting Indonesia's grassroots economy (09/11).

BRI's total outstanding loans reached Rp1,647 trillion at the end of September 2026, representing year-on-year growth of 14.5%. Meanwhile, its MSME loan portfolio grew by 8.6% compared with Rp1,151 trillion recorded in September 2025.

The figures were presented by BRI Director of Finance and Strategy Achmad Royadi during the company's third-quarter 2026 financial performance press conference in Jakarta on November 9.

BRI Allocates 75.9% of Total Loans to MSMEs

BRI continues to prioritize MSMEs in its lending strategy as part of its commitment to supporting the people's economy. The bank considers MSMEs important contributors to national economic activity and employment creation.

Royadi stated that BRI would maintain a lending strategy based on prudence and selective growth, with an emphasis on the economic impact of financing rather than simply increasing loan distribution.

“Our credit growth strategy continues to prioritize the principles of prudence and selective growth. For BRI, what matters most is not simply how much credit can be distributed, but how that credit can support people's economic activities while generating sustainable economic growth,” Royadi said.

The bank also supports MSME financing through the People's Business Credit program, known as Kredit Usaha Rakyat (KUR). This program serves as an important instrument for expanding financing access among MSME operators, particularly in productive sectors, including agriculture and food security.

BRI Distributes Rp167 Trillion in KUR Financing by September 2026

From 2015 through September 2026, BRI had distributed a cumulative Rp1,602 trillion in KUR financing.

During January–September 2026, the bank distributed Rp167 trillion in KUR loans to more than 3.18 million borrowers.

Agriculture received the largest share, accounting for 42.8% of total KUR distribution, equivalent to Rp71.5 trillion. The trade sector followed with Rp52.2 trillion.

According to Royadi, these financing activities also represent BRI's contribution to the government's Asta Cita agenda, particularly in strengthening the economy from the grassroots level and promoting more inclusive and evenly distributed economic growth across Indonesia.

BRI Strengthens MSME Credit Quality Through Risk Management

Alongside its lending activities, BRI continues to improve the quality of its MSME loan portfolio through improvements in credit management.

The measures include refining underwriting processes, improving the quality of credit analysis and borrower selection, strengthening early warning systems, and optimizing collection and recovery activities.

These efforts are also part of BRIvolution Reignite, the bank's transformation program, particularly its focus on strengthening the microfinance business.

Through these measures, BRI aims to maintain credit quality while continuing to expand financing for MSMEs.

BRI Expands MSME Empowerment Through Business Development Programs

BRI's support for MSMEs extends beyond financing. The bank also provides business empowerment programs to strengthen business capabilities, improve management skills, expand market access, and help business operators adapt to technological developments.

As of September 2026, BRI had supported 6,153 BRILiaN Villages and empowered 45,042 business clusters through its Klasterku Hidupku program.

In addition, 17.6 million MSMEs had joined linkumkm by BRI. The bank also supported business development through 54 Rumah BUMN facilities, which had organized more than 19,000 training sessions to improve business capabilities and expand marketing access.

Through these initiatives, BRI seeks to help MSMEs improve their business capacity, productivity, and market access while strengthening their competitiveness.

Royadi emphasized that BRI's achievements should not be measured solely through financial performance, but also through the contributions the bank makes to society, MSMEs, and the national economy.

“What matters most is that we want to ensure every business achievement at BRI also delivers a real impact on the national economy. For BRI, sustainable growth is growth that creates added value for shareholders, drives the people's economy, and makes a tangible contribution to the nation,” Royadi said.

PHOTO: BRI

This article was created with AI assistance.

We make every effort to ensure the accuracy of our content, some information may be incorrect or outdated. Please let us know of any corrections at [email protected].