Financial Relief Measures for Sumatra Flood Victims

Regulatory Support

The Financial Services Authority (OJK) has issued a policy on December 11, 2025, allowing financial institutions to provide special treatment to debtors affected by the floods in Aceh, North Sumatra, and West Sumatra ¹

. This policy enables loan restructuring and relaxed credit assessments for affected borrowers. The measures are applicable to various financial products including loans and peer-to-peer lending ¹

Source 1

https://finance.detik.com/moneter/d-8275241/korban-banjir-bisa-bernapas-lega-ojk-kasih-keringanan-utang-pinjol

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Bank Mandiri's Response

Bank Mandiri, one of Indonesia's largest state-owned banks, has actively implemented the OJK's policy. The bank has identified over 30,000 debtors in North Sumatra and West Sumatra who have been affected by the disaster ²

. Danis Subyantoro, Director of Risk Management at Bank Mandiri, stated that the bank is committed to supporting the economic recovery of affected communities through these relief measures.

Fintech Industry Response

The Indonesian Fintech Lending Association (AFPI) has also announced support measures for borrowers affected by the disaster. AFPI Chairman Entjik S Djafar stated that member companies will provide assistance to debtors without adding to their burden ³

. The association is working to ensure that fintech lending platforms implement appropriate relief measures for affected borrowers.

Corporate Social Responsibility Initiatives

Several major corporations are also contributing to the relief efforts. Danone Indonesia has been actively providing humanitarian assistance, including clean water, nutrition products, and hygiene kits, to affected communities in Aceh Tamiang and other areas ⁴

. The company is working in collaboration with local organizations such as Muhammadiyah Disaster Management Center (MDMC) to deliver these supplies effectively.

Implementation Details

The relief measures include restructuring of loans, relaxed credit assessments, and other forms of financial accommodation. For loans up to Rp10 billion, financial institutions are allowed to focus on payment accuracy as the primary assessment criterion ¹

. These measures are designed to provide immediate relief to affected individuals and businesses, helping them recover from the disaster.