Bank Sampoerna Identifies Resilient MSME Sectors Amid Economic Challenges

Local F&B and Retail Show Promise

PT Bank Sahabat Sampoerna has identified local food and beverage (F&B) and retail sectors as promising segments within the MSME landscape, despite economic pressures throughout 2025. According to Henky Suryaputra, Director of Finance & Business Planning at Bank Sampoerna, these sectors demonstrate relative resilience due to their stable domestic demand and business model flexibility ¹

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Challenges and Opportunities in MSME Lending

The bank highlights that MSMEs face dual challenges: changing consumer behavior towards digital transactions and rising logistical costs. However, MSMEs that have successfully adapted to digitalization have shown stronger growth compared to those relying on conventional models ¹

. Bank Sampoerna is responding to these challenges through a prudent growth strategy, focusing on asset quality and business sustainability rather than merely current repayment capacity.

Strategic Initiatives for MSME Support

To capture growth opportunities while managing risks, Bank Sampoerna is implementing a Bank as a Service (BaaS) model through fintech partnerships, combined with personalized service through their branch network. The bank views increasing digital payment adoption as a significant opportunity for MSME growth, particularly in domestically oriented sectors ¹

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https://finansial.bisnis.com/read/20260114/90/1944041/bank-sampoerna-nilai-fb-lokal-dan-ritel-menjanjikan-umkm-impor-lebih-berisiko

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Economic Outlook and Risk Factors

Looking ahead to 2026, Bank Sampoerna anticipates continued challenges for MSMEs due to global interest rate uncertainty and commodity price volatility. The bank emphasizes the need for careful debtor selection and risk management while maintaining a cautious lending approach.

Industry Context and Regulatory Environment

The bank's outlook is consistent with broader industry trends. Governor of Bank Indonesia, Perry Warjiyo, noted that while overall banking credit growth remained positive at 7.74% year-on-year as of November 2025, MSME credit growth contracted by 0.64% during the same period ¹

. This contraction was attributed to increased credit risk in both consumer and MSME segments.