C I T Y
CITY.
Indonesia · Consumer Credit · Jan–May 2026

CITY

the city of borrowers

Rp 2,310 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.

0.00% mortgage NPL
0.00% automotive
0.00% credit card
0.00% personal
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How to read the city

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 May 2026 ratios, that is one mortgage window in thirty. Personal lending, the calmest district, keeps one in fifty 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.

LIT WINDOW
A performing loan. Someone is home, and paying.
RED WINDOW
Non-performing. Drawn at the district's true NPL rate.
DARK WINDOW
Unlit facade — texture of the night, not data.
MORTGAGE
Household sectors 022 houses + 023 flats + 024 ruko — OJK carries no product codes, so this report maps products onto consumption sectors and says so up front. The houses line alone (3.31%) matches Bank Indonesia's published KPR rumah tapak figure for May 2026 exactly, on both the ratio and the Rp 25.9 trillion of bad loans; the 3.37% combined figure adds flats and shophouses and is this report's own construction.
AUTOMOTIVE
Sector 025, motor-vehicle ownership. Booked 83.3% in DKI at issuers' head offices — national view only. Our Rp 128.8 trillion sits 1.8% under Bank Indonesia's published KKB book of Rp 131,1 trillion; the two use different perimeters, and this page uses OJK's.
CREDIT CARD
Loan type 010 — a cross-cut, not a sector: the card book already sits inside sectors 027 and 028, so it is never added to the sector column. 98% booked in Jakarta, so no provincial read exists.
PERSONAL
Sector 027 “keperluan lain” — the Rp 982 trillion mass where payroll and multiguna lending sit. Sector 026 is its small sibling, Rp 30 trillion.
Source: OJK Portal Data (data.ojk.go.id/SJKPublic), Bank Umum, dataset “Kredit dan Pembiayaan Entitas”, pulled 27 July 2026. All ratios computed on raw, unrounded data. The 34 provinces sum back to the national figures exactly.
The Rp 2,310 trillion headline is OJK's own Jenis Penggunaan = Konsumsi aggregate, identical to economic sectors 022–028. An earlier edition of this page quoted Rp 2,084 trillion; that figure added two different cuts of the same book together and counted part of it twice. The change here is a change of definition, not growth — consumer lending itself grew about 1.2% between January and May. On the sector basis the total closes exactly: mortgage 844.9 (022–024) + automotive 128.8 (025) + personal-026 30.4 + personal-027 982.1 + other consumer credit 324.2 (sector 028, running 1.83%, not charted here) = Rp 2,310.4 trillion, against a Konsumsi total of Rp 2,310.5 trillion — the Rp 0.1 T difference is rounding across the five components, nothing more. Credit cards (Rp 108.1 T) and bank paylater (Rp 28.9 T) are a different cut of the same book — they sit inside sectors 027 and 028 and must never be added to that column.
No published figure exists to check this aggregate against. OJK's headline 2,17% is whole-book NPL across all lending, not consumer NPL, and is sometimes reported as though it were the latter — it is not a comparator for anything on this page.
The national picture

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 4.95% 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.

Jan → May 2026, NPL % by product. BD = baki debet, outstanding balance. Chips show the five-month move in basis points. Four rows are whole economic sectors and do add together — mortgage (844.9, itself the sum of the three indented lines), automotive (128.8), personal-027 (982.1) and personal-026 (30.4). Add the one consumption sector with no chart of its own, 028 at Rp 324.2 T and 1.83%, and you reach the Rp 2,310 trillion headline. The last two rows are a cross-cut of the same book by loan type: their balances already sit inside 027 and 028, so they must not be added to that column.
District 023 · Flats & apartments

The tall towers are the weak spot.

0.00
KPA NPL · May-26
0
Rp T outstanding

Flats and apartments rose every single month — nearly a point above house mortgages. The house book itself (Rp 783 trillion, by far the largest consumer product in Indonesia) holds stable around 3.3%. Property stress lives in the towers, not the streets.

KPA NPL, month by month
District 025 · Automotive

A district that shrinks while it sours.

The automotive book fell from Rp 131.2 to 128.8 trillion over five months while its ratio climbed 2.48% → 2.66% — though the book ticked back up in May, 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 174 miliar.

Book vs. bad loans · indexed to January = 100
District 010 · Credit card

A slow, steady creep.

+18 bps
in five months
0.00
CC NPL · May-26
0
Rp T outstanding

2.37 → 2.56%, on a broadly flat book. Not alarming; consistently one direction. Card receivables sit at issuers' head offices — 98% booked in Jakarta — so this district exists only as a national figure. No province can be blamed, or cleared.

District 027 · Personal lending

The calm giant of the west side.

0.00
NPL · May-26
0
Rp T outstanding

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 May. Bank paylater, its small neon annex (Rp 29 trillion), is growing fast and no longer improving: 2.28% in January, 2.05% by March, back to 2.31% in May.

Where mortgages go bad

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 4.12% sits on Rp 181.2 trillion, which is what makes it the finding.

Personal lending, for contrast, is calm nearly everywhere: DKI tops that table at 3.01% (partly head-office booking on Rp 200.4 T), and Aceh runs Rp 29.8 trillion at just 0.69% — a book dominated by civil-servant payroll deduction. Jawa Barat sits below national on personal loans.
Jawa Barat · the finding

Property is the problem. Only property.

Jawa Barat holds the worst large mortgage book in the country — 4.12% on Rp 181.2 trillion, the second-largest book there is. Its flats run 5.73%. Its ruko run 6.34%, over two points above national. And yet its personal lending and its locally-booked auto slice are cleaner than the national ratio.

Jawa Barat vs. national · May-26 · each product

Set against the companion SME report, one consistent risk profile emerges for West Java: stress concentrates in SME credit (6.55%, 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: Jabar's bank-paylater book grew 31% in five months (Rp 3.8 → 5.0 T). Quality is 2.67%, now above the national 2.31%; books growing that fast deserve a look every quarter.

The bottom line

Four districts, all standing. Watch the towers.

All four consumer products are healthier than SME credit — mortgage 3.37%, automotive 2.66%, credit card 2.56%, personal 1.98%, against SME's 4.95%.

The deteriorating cells: flats and apartments (4.25%, climbing every month), automotive (rising ratio on a book down 1.8% over five months, though it grew again in May), credit card (+18 bps). House mortgages and personal lending are stable.

And Jawa Barat's consumer problem is property, specifically — the worst large mortgage book in the country, while its households otherwise pay on time.

The same portal pull refreshes this monthly. Companion report: SME Non-Performing Loans — GROUND.