Business Bank Credit Access Statistics in Indonesia (2026)
In 2023, 20% of firms in Indonesia had a bank loan or line of credit, according to World Bank World Development Indicators data. Down from 27.4% in 2015 to 20% in 2023 (−7.4 percentage points). Indonesia ranks #16 of 21 economies in East Asia & Pacific on this measure, and #106 of 145 globally.
Key Statistics
- Latest value (2023)
- 20% (2023)
- Business Bank Credit Access in Indonesia as of 2023, the most recent observation in World Bank World Development Indicators data.
- Change since 2015
- −7.4 pp (2023)
- Down from 27.4% in 2015 to 20% in 2023 (−7.4 percentage points).
- Earliest value in this dataset (2009)
- 18.2% (2009)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 18.2% in 2009 to 20% in 2023.
- Peak value (2015)
- 27.4% (2015)
- Highest value in the available series; the 2023 value is 20%.
- Rank in East Asia & Pacific
- #16 of 21 (2023)
- Indonesia ranks 16 of 21 countries in East Asia & Pacific with data, based on each country's latest value.
- Global rank
- #106 of 145 (2023)
- Indonesia ranks 106 of 145 countries with data globally.
- East Asia & Pacific average
- 30.6% (2023)
- Indonesia (20%) is below the average of 30.6% across the 21 countries in East Asia & Pacific with data.
- Firms using banks to finance working capital (% of firms) (2023)
- 23.5% (2023)
- Related indicator from World Bank World Development Indicators.
- Firms using banks to finance investment (% of firms) (2023)
- 28.6% (2023)
- Related indicator from World Bank World Development Indicators.
- Internet use in Indonesia (2024)
- 72.8% (2024)
- 72.8% of the population in Indonesia used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 283.5 million (2024)
- Indonesia had a population of 283.5 million in 2024 (World Bank); shown for scale only.
Trend, 2009–2023
| Year | % of firms | Change |
|---|---|---|
| 2023 | 20% | −7.4 pp |
| 2015 | 27.4% | +9.1 pp |
| 2009 | 18.2% | — |
Frequently asked questions
What share of firms in Indonesia had a bank loan or line of credit?
20% of firms in Indonesia had a bank loan or line of credit in 2023, according to World Bank World Development Indicators data.
Where does the business bank credit access data for Indonesia come from?
The data comes from the World Bank World Development Indicators (indicator IC.FRM.BNKL.ZS). The latest observation for Indonesia is from 2023; the snapshot was retrieved on 2026-06-10.
How has business bank credit access in Indonesia changed over time?
World Bank World Development Indicators data show a rise from 18.2% in 2009 to 20% in 2023.
Source & methodology
Source: World Bank, World Development Indicators, indicator
IC.FRM.BNKL.ZS, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .