PT Bank Negara Indonesia (Persero) Tbk or BNI continues to strengthen its commitment to encouraging national economic growth through productive financing for the Micro, Small and Medium Enterprises (MSME) sector. This step is part of BNI's strategy to provide quality, inclusive and sustainable growth, in line with BNI's role as a strategic partner for the government in strengthening the real sector.
Until September 2025, BNI recorded medium segment credit growth of 14.3% (YoY) and non-KUR MSME credit increased 13.9% (YoY) to IDR 46.3 trillion. This achievement reflects BNI's consistency in expanding access to productive financing in various priority sectors.
BNI Commercial Banking Director Muhammad Iqbal emphasized that BNI continues to position itself as a state-owned bank that plays an active role in strengthening the foundations of the national economy through support for MSME players.
"BNI continues to strengthen its role as a state-owned bank that actively encourages national economic growth by distributing productive credit to MSMEs, both through internal programs and support for government programs," said Iqbal in a written statement.
According to Iqbal, the potential for growth in MSME credit is still very large. For this reason, BNI directs financing to priority sectors such as labor-intensive industries, housing financing, as well as government programs such as the Red and White Village Cooperative (KDMP) and the Free Nutritious Meal Program (MBG). This step is a form of BNI's support for economic equality down to the village level and improving community welfare.
Additionally, BNI also encourages MSME players to upgrade to global level through the BNI Xpora and Diaspora Loan programs, which facilitate export-oriented business actors in expanding markets and strengthening competitiveness overseas.
To ensure targeted financing, BNI has implemented robust credit scoring tools since 2024 to assess credit worthiness accurately and sustainably. BNI also implements Tactical Account Planning (TAP) to optimize customer profitability, both in terms of lending and non-lending.
The synergy between Commercial Banking, Corporate Banking and Institutional Banking also continues to be strengthened to capture financing opportunities from the supply chain (value chain) of corporate customers' business ecosystem. On the other hand, BNI encourages the transformation of capability-enhanced outlets into integrated service centers capable of providing comprehensive financial solutions for business actors in various regions.
"We will continue to play an active role in encouraging strong MSME growth, with adaptive financing policies and support for government regulations," stressed Iqbal.
With this comprehensive strategy, BNI emphasizes its role as a national bank that is not only oriented towards business growth, but also towards empowering the people's economy. Through productive and inclusive financing, BNI is committed to creating MSMEs that are stronger, globally competitive, and become the main driving force for sustainable economic growth in Indonesia.