CITY
Rp 2,330 trillion of Indonesian consumer credit — OJK's own Konsumsi aggregate — rendered as a night city. Each district is a lending product; the city draws the large ones, and the note below reconciles the rest to the total. Each building is a slice of the loan book. And the windows are lit at the exact rate the loans perform — the red ones have stopped paying.
One window in thirty has gone dark.
NPL — a non-performing loan — is credit classified kurang lancar, diragukan or macet: in plain language, a loan that has stopped performing. At July 2026 ratios, that is one mortgage window in thirty. Personal lending, the calmest district, keeps one in fifty-one dark.
The city below is built from OJK's own portal data. Building volume tracks the size of each book; the share of red windows in every district is its NPL ratio. Nothing is decorative.
Every consumer district runs cleaner than SME.
Consumer credit is in far better shape than business lending: every headline product sits under 3.5%, against 4.79% for SME credit in the companion report — though flats have now crossed 4.2%, the first line on this chart to do so in 2026. Five movements deserve attention, and the sparklines carry them.
The tall towers are the weak spot.
Flats and apartments rose every single month — nearly a point above house mortgages. The house book itself (Rp 791 trillion, by far the largest consumer product in Indonesia) holds stable around 3.3%. Property stress lives in the towers, not the streets.
A district that shrinks while it sours.
The automotive book fell from Rp 131.2 to 127.1 trillion over seven months while its ratio climbed 2.48% → 2.66% — though the book ticked back up in July, the first month it has. And the rise is not just arithmetic from the shrinking denominator: the stock of bad loans itself grew, by Rp 134 miliar.
A slow, steady creep.
2.37 → 2.60%, on a broadly flat book. Not alarming; consistently one direction. Card receivables sit at issuers' head offices, and the cube returns no provincial rows for the card book in any month — so this district exists only as a national figure. No province can be blamed, or cleared.
The calm giant of the west side.
The largest district in the city — payroll loans and multiguna mass — still runs below 2%, but only just: 1.84% in January, 1.98% in July. Bank paylater, its small neon annex (Rp 30 trillion), is growing fast, and its ratio is improving — not in a straight line: 2.28% in January, up to 2.31% mid-year, back down to a new low of 1.97% in July.
Fourteen provinces, one red book.
Every mortgage book of Rp 10 trillion or more, ranked by the share that has gone bad. The right-hand column is the size of each book — Jawa Barat's 4.07% sits on Rp 182.7 trillion, which is what makes it the finding.
Property is the problem. Only property.
Jawa Barat holds the worst large mortgage book in the country — 4.07% on Rp 182.7 trillion, the second-largest book there is. Its flats run 5.76%. Its ruko run 5.88%, over two points above national. And yet its personal lending and its locally-booked auto slice are cleaner than the national ratio.
Set against the companion SME report, one consistent risk profile emerges for West Java: stress concentrates in SME credit (6.25%, worst of the big provinces) and in housing — both tied to the same industrial belt and its property market. That reads like a regional income-and-employment problem feeding through to businesses and homeowners, not undisciplined consumer lending.
One growth flag, frozen as of May 2026: Jabar's bank-paylater book grew 31% between January and May (Rp 3.8 → 5.0 T), quality then 2.67%, above the national 2.31% that same month. The province's own reporting on this line has read zero every month since — books that were growing this fast deserve a look the moment it resumes.
Four districts, all standing. Watch the towers.
All four consumer products are healthier than SME credit — mortgage 3.35%, automotive 2.66%, credit card 2.60%, personal 1.98%, against SME's 4.79%.
The deteriorating cells: flats and apartments (4.31%, climbing every month) and credit card (+23 bps). Automotive, house mortgages and personal lending are the stable ones — automotive's book fell 3.1% over seven months before growing again in July, its ratio moving just +3 bps over the trailing year.
And Jawa Barat's consumer problem is property, specifically — the worst large mortgage book in the country, while its households otherwise pay on time.