Jakarta. Bank Negara Indonesia (BNI) continues to strengthen its commitment to national economic growth by expanding productive and inclusive financing for the micro, small, and medium enterprise (MSME) sector. The initiative forms part of BNI’s strategy to deliver quality, inclusive, and sustainable growth, reinforcing its role as a strategic partner of the government in strengthening the real sector.

As of September 2025, BNI recorded a 14.3 percent year-on-year increase in its medium-segment loans and a 13.9 percent rise in non-KUR MSME lending, bringing total MSME financing to Rp 46.3 trillion ($2.8 billion). The achievement highlights the bank’s consistent efforts to broaden access to productive credit across priority sectors.

BNI’s Director of Commercial Banking, Muhammad Iqbal, said the bank continues to position itself as a state-owned financial institution actively reinforcing the foundations of Indonesia’s economy by supporting MSME players.

“BNI continues to strengthen its role as a state-owned bank actively driving national economic growth through productive MSME financing -- both through internal programs and support for government initiatives,” Iqbal said in a statement on Thursday.

He noted that the potential for MSME credit expansion remains substantial. To capture this, BNI is directing financing toward priority sectors, including labor-intensive industries, housing finance, and government programs such as Koperasi Desa Merah Putih (Red and White Rural Cooperatives) and free nutritious meals (MBG). These initiatives aim to promote economic equity at the village level and improve community welfare.

BNI is also helping MSMEs “go global” through programs like BNI Xpora and Diaspora Loan, designed to assist export-oriented businesses in expanding markets and enhancing competitiveness abroad.

To ensure responsible lending, BNI introduced robust credit-scoring tools in 2024 to improve creditworthiness assessment. The bank also applies Tactical Account Planning (TAP) to optimize customer profitability across both lending and non-lending services.

BNI is further strengthening synergies between its Commercial, Corporate, and Institutional Banking divisions to capture financing opportunities from corporate clients’ value-chain ecosystems. The bank is also transforming its capability-enhanced outlets into integrated service hubs offering comprehensive financial solutions to business owners nationwide.

“We will continue to play an active role in developing a resilient MSME sector through adaptive financing policies and full alignment with government regulations,” Iqbal emphasized.

Through this comprehensive strategy, BNI reaffirms its role as a national bank dedicated not only to business growth but also to empowering the people’s economy. By advancing productive and inclusive financing, the bank aims to build stronger, globally competitive MSMEs that serve as key drivers of Indonesia’s sustainable economic growth.

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