The benchmark interest rate in Indonesia was last recorded at 4.75 percent. This dataset provides - Indonesia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of February 2025, the value of credit card transactions in Indonesia amounted to ***** trillion Indonesian rupiah. The credit card transaction value in Indonesia decreased in 2020 due to the COVID-19 crisis. However, since May 2020, Indonesia's central bank has cut the maximum credit card interest rate from **** to * percent per month to boost Indonesia's economic recovery from the crisis.

Key information about Indonesia Policy Rate

• Indonesia cash rate (Policy Rate: Month End: Indonesia: BI-Rate) was set at 4.75 % pa in Nov 2025, compared with 4.75 % pa in the previous Oct 2025.
• Indonesia Policy Rate averaged 4.00 % pa and is updated monthly, available from Jun 2015 to Nov 2025.
• The data reached an all-time high of 6.25 % pa in Aug 2024 and a record low of 3.50 % pa in Jul 2022.

The Bank of Indonesia announced 7 Days Reverse Repo Rate as new policy rate effective August 19th, 2016. For Policy Rate prior to August 2016, please refer to the 1 Month Bank Indonesia Certificates Auction Rate. From 21 December 2023, Bank Indonesia will change the name of its policy rate to BI Rate, replacing the BI 7-Day Reverse Repo. The new name doesn't change the meaning or objectives of the BI-Rates as the monetary policy stance of Bank Indonesia, with operationalisation still referring to Bank Indonesia reverse repo transaction with a tenor of seven days. [COVID-19-IMPACT]


Related information about Indonesia Policy Rate

• In the latest reports, Indonesia Short Term Interest Rate: Month End: Indonesia: 3 Months Interbank was reported at 5.46 % pa in Nov 2025.
• Its Long Term Interest Rate (Long Term Interest Rate: Month End: Indonesia: Government Bond Yield: 10 Years) was reported at 6.27 % pa in Nov 2025.
• Indonesia Exchange Rate against USD averaged 16,703.05 (USD/IDR) in Nov 2025.
• Its Real Effective Exchange Rate was 106.42 in Oct 2025.

Deposit Interest Rate in Indonesia remained unchanged at 3.75 percent in November. This dataset includes a chart with historical data for Deposit Interest Rate in Indonesia.

Inflation Rate in Indonesia decreased to 2.72 percent in November from 2.86 percent in October of 2025. This dataset provides - Indonesia Inflation Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of February 2025, there were ***** million credit card transactions in Indonesia. The credit card transaction volume in Indonesia decreased in 2020 due to the COVID-19 crisis. However, since May 2020, Indonesia's central bank has cut the maximum credit card interest rate from **** to * percent per month to boost Indonesia's economic recovery from the crisis.

Key information about Indonesia Real Effective Exchange Rate

• Indonesia Real Effective Exchange Rate (REER: 2005=100: Month Avg: Indonesia) was 106.4 in Oct 2025, compared with the number of 106.0 in the previous month.
• Indonesia Real Effective Exchange Rate data is updated monthly and averaged 142.3 from Jan 1994 to Oct 2025.
• The data reached an all-time high of 142.3 in Feb 1997 and a record low of 45.4 in Jun 1998.

CEIC generates Real Effective Exchange Rate Index with base 2005=100. Bank for International Settlements provides Real Effective Exchange Rate Index with base 2020=100. CPI is used as a deflator. An increase in REER indicates reduced competitiveness for the reporting economy.


Related information about Indonesia Real Effective Exchange Rate

• In the latest reports, Indonesia Short Term Interest Rate: Month End: Indonesia: 3 Months Interbank was reported at 5.5 % pa in Nov 2025.
• The cash rate (Policy Rate: Month End: Indonesia: BI-Rate) was set at 4.8 % pa in Nov 2025.
• Indonesia Exchange Rate against USD averaged 16,703.1 (USD/IDR) in Nov 2025.

The USD/IDR exchange rate rose to 16,619.9000 on December 2, 2025, up 0.02% from the previous session. Over the past month, the Indonesian Rupiah has strengthened 0.32%, but it's down by 4.18% over the last 12 months. Indonesian Rupiah - values, historical data, forecasts and news - updated on December of 2025.

As of February 2025, the number of credit cards in Indonesia amounted to ***** million. The number of credit cards in Indonesia decreased by ***** percent when the COVID-19 crisis happened in 2020. Currently, there are ** credit card issuers in Indonesia. Credit card ownership in Indonesia To own a credit card in Indonesia, the primary cardholder must be at least 21 years old or married and have a monthly income of at least three million Indonesian rupiah, while an additional credit card can be used by anybody who is at least 17 years old. According to a survey by the World Bank, about *** percent of the wealthiest ** percent in Indonesia held a credit card. In comparison, only around *** percent of the poorest ** percent of the population owned a credit card. Visa and Mastercard are the most frequently owned credit cards by Indonesians. Credit card transactions in Indonesia Even though there were fewer credit card transactions in Indonesia, the value of those transactions increased throughout the COVID-19 crisis in 2020. To boost Indonesia's economic recovery from the crisis, Indonesia's central bank has cut the maximum credit card interest rate from **** to **** percent per month per July 2021 and decreased the minimum credit card payment from ** percent to * percent of its total balance each month per July 2022.

Snapshot img

Microfinance Market Size 2025-2029

The microfinance market size is forecast to increase by USD 206.8 billion at a CAGR of 14.1% between 2024 and 2029.

The market is experiencing significant growth, driven by the emergence of social media and increasing digital connectivity. This trend is particularly prominent in the Asia Pacific region, where the market is expanding rapidly. However, the industry faces challenges related to inadequate risk management. The proliferation of digital platforms is enabling financial inclusion, reaching populations previously underserved by traditional financial institutions. In the Asia Pacific region, for instance, over 200 million adults remain unbanked, presenting a vast opportunity for microfinance institutions. Yet, the sector's growth is not without challenges. Effective risk management remains a significant hurdle, as microfinance institutions grapple with assessing and mitigating risk in an environment characterized by limited financial data and high operational complexity. Companies seeking to capitalize on market opportunities and navigate challenges effectively must invest in advanced risk management solutions, leveraging technology and data analytics to mitigate risk and expand their reach. Additionally, strategic partnerships and collaborations can help microfinance institutions overcome operational complexities and expand their offerings, catering to the diverse financial needs of their clientele.

What will be the Size of the Microfinance Market during the forecast period?

Request Free SampleThe market encompasses loan facilities and financial services catering to the low-income segment, primarily focusing on cottage industries and household income generation. Microfinance credit plays a crucial role in poverty reduction by providing access to financial aid for individuals and microenterprises, often bypassing traditional lending practices. Technological infrastructure, including digital platforms and mobile banking, significantly contributes to the market's growth, enabling financial inclusion and economic empowerment. Peer-to-peer lending and technological integration have reduced operating costs, allowing financial institutions to offer microcredit facilities with competitive interest rates. Traditional banking services are increasingly adopting technology to streamline loan processing, savings accounts, money transfers, leasing services, and financial return tracking. The financial health of microfinance institutions relies on effective credit scoring and maintaining financial return, attracting private sector banks and fintech companies to invest in this sector. Overall, the market continues to expand, driven by the need for affordable financial services and the increasing adoption of technology.

How is this Microfinance Industry segmented?

The microfinance industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments. End-userSmall enterprisesSolo entrepreneursMicro enterprisesUsageAgricultureManufacturing/ProductionTrade and servicesHouseholdOthersTypeBanksNon-banksService TypeGroup and individual micro-creditInsuranceSavings and checking accountsLeasingMicro-investment fundsGeographyAPACBangladeshChinaIndiaIndonesiaVietnamSouth AmericaArgentinaBrazilChileColombiaNorth AmericaUSEuropeMiddle East and Africa

By End-user Insights

The small enterprises segment is estimated to witness significant growth during the forecast period.The market plays a significant role in catering to the financial needs of small businesses, particularly those without access to traditional financial institutions. Fueled by an increasing entrepreneurial spirit, expanding public awareness of microfinance services, and favorable regulatory environments, this market has experienced substantial growth. Microfinance institutions (MFIs) offer loan facilities to various sectors, including rural agriculture, cottage industries, and micro and small enterprises. Digital integration through mobile banking, point-of-sale systems, and peer-to-peer lending platforms has broadened reach and improved accessibility, especially in remote areas. MFIs provide financial services such as savings accounts, money transfers, leasing services, and loan processing to promote financial health and social mobility among unbanked populations. Despite challenges like high interest rates, short repayment periods, and operational costs, MFIs remain crucial in poverty reduction and financial inclusion.

Get a glance at the market report of share of various segments Request Free Sample

The Small enterprises segment was valued at USD 59.80 billion in 2019 and showed a gradual increase during the forecast period.

Regional Analysis

APAC is estimated to contribute 48% to the growth of the global market

Retail Sales in Indonesia increased 3.70 percent in September of 2025 over the same month in the previous year. This dataset provides - Indonesia Retail Sales YoY - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Suku bunga acuan di Amerika Serikat terakhir tercatat sebesar 4 persen. Halaman ini menyediakan nilai terbaru yang dilaporkan untuk - Tingkat Dana Federal Amerika Serikat - ditambah rilis sebelumnya, tertinggi dan terendah historis, ramalan jangka pendek dan prediksi jangka panjang, kalender ekonomi, konsensus survei, dan berita.

Suku bunga acuan di Australia terakhir tercatat sebesar 3,60 persen. Halaman ini menyediakan - Tingkat Bunga Australia - nilai aktual, data historis, ramalan, grafik, statistik, kalender ekonomi, dan berita.

Suku bunga acuan di Jepang terakhir tercatat sebesar 0,50 persen. Halaman ini menyediakan - Tingkat Bunga Jepang - nilai aktual, data historis, ramalan, grafik, statistik, kalender ekonomi, dan berita.

Tingkat suku bunga acuan di Swiss terakhir tercatat sebesar 0 persen. Halaman ini menyediakan - Tingkat Bunga Swiss - nilai aktual, data historis, ramalan, grafik, statistik, kalender ekonomi, dan berita.