Jamkrida Jabar Achieves Remarkable 250% Profit Surge

Exceptional Financial Performance

PT Jamkrida Jabar (Perseroda), the West Java regional credit guarantee company, has recorded a remarkable financial performance by November 2025. The company achieved a net profit of Rp25.87 billion, significantly exceeding its annual target. This outstanding performance represents a 250% increase from the initial projections, demonstrating the effectiveness of the company's strategic initiatives.

Strategic Business Expansion

According to Bobby Cahyadi, CEO of Jamkrida Jabar, the substantial profit growth was primarily driven by the company's measured expansion into productive sectors, with a particular focus on micro, small, and medium enterprises (MSMEs) in West Java. The strategic decision to target MSMEs has proven successful, as the sector continues to show robust growth potential.

Risk Management Practices

The company's success was not limited to aggressive expansion; it was also supported by prudent risk management practices. Jamkrida Jabar maintained a controlled claim ratio through careful underwriting processes, ensuring the health of its portfolio. "We prioritized prudence in our decision-making while pursuing growth opportunities," Bobby Cahyadi emphasized.

Regulatory Compliance and Financial Health

Jamkrida Jabar's financial strength is further validated by its 'Very Healthy' rating from the Financial Services Authority (OJK). This rating is based on the company's strong financial ratios, adequate technical reserves, and sustainable financial structure. These factors position the company well for long-term success and growth.

Future Outlook

As the company approaches the end of the fiscal year, management remains optimistic about achieving an exceptional closing performance for 2025. Jamkrida Jabar is committed to continuing its role as a bridge for MSMEs to access financing, aligning with the West Java provincial government's economic development agenda. The company's strong performance in 2025 is expected to lay a solid foundation for more progressive growth in the coming years.