Indonesia: Lending interest rate
* indicates monthly or quarterly data series
| Indonesia |
Interest rates on bank credit to the private sector |
|---|---|
| Latest value | 8.50 |
| Year | 2025 |
| Measure | percent |
| Data availability | 1986 - 2025 |
| Average | 16.15 |
| Min - Max | 8.50 - 32.15 |
| Source | The World Bank |
| Available for | Data download |
The latest value from 2025 is 8.5 percent, a decline from 8.8 percent in 2024. In comparison, the world average is 11.99 percent, based on data from 72 countries. Historically, the average for Indonesia from 1986 to 2025 is 16.15 percent. The minimum value, 8.5 percent, was reached in 2025 while the maximum of 32.15 percent was recorded in 1998.
See the global rankings for that indicator or
use the country comparator to compare trends over time.
Select indicator
* indicates monthly or quarterly data series
| Recent values | Indonesia: Lending interest rate |
|---|---|
| 2025 | 8.50 |
| 2024 | 8.80 |
| 2023 | 8.93 |
| 2022 | 8.52 |
| 2021 | 8.92 |
| 2020 | 9.54 |
| 2019 | 10.37 |
| 2018 | 10.54 |
The lending interest rate in Indonesia shown below is the interest rate on credits from banks to prime borrowers, i.e. to the lowest risk borrowers in the private sector. That includes firms and households.
Definition: Lending rate is the bank rate that usually meets the short- and medium-term financing needs of the private sector. This rate is normally differentiated according to creditworthiness of borrowers and objectives of financing. The terms and conditions attached to these rates differ by country, however, limiting their comparability.
Other resources:
Download data from our database
All indicators for Indonesia
All indicators on the website
Article: Are trade deficits bad for the economy?
Article: Sources of economic growth
Article: Currency values and investment returns
All articles
| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Lending-deposit interest rate spread | 4.04 | 2020 | interest rate points |
| Bank cost to income ratio | 47.22 | 2021 | percent |
| Non-performing loans | 1.92 | 2025 | percent |
| Bank overhead cost | 2.79 | 2021 | percent |
| Net interest margin | 5.06 | 2021 | percent |
| Bank credit to deposits | 77.46 | 2021 | percent |
| Regulatory capital to risk-weighted assets | 23.81 | 2020 | percent |
| Return on assets | 1.84 | 2021 | percent |
| Return on equity | 12.25 | 2021 | percent |
| Banking system z-scores | 5.27 | 2021 | index points |
| Liquid assets to deposits | 28.41 | 2021 | percent |
| Banking system capital to assets | 14.80 | 2020 | percent |
| Non-interest income to total income | 26.71 | 2021 | percent |
| Lending interest rate | 8.50 | 2025 | percent |
| Real interest rate | 5.99 | 2025 | percent |