Jamkrida Jakarta Implements Strategic Initiatives for 2025 Growth

Diversification and Risk Management

PT Jamkrida Jakarta is pursuing five key strategies to maintain stable guarantee service income amid challenging market conditions. The company's CEO, Agus Supriadi, outlined the focus on diversifying guarantee products towards productive sectors rather than solely consumer-focused guarantees. Key areas include short-term tenor products such as Surety Bonds, Bank Guarantees, and Custom Bonds.

Strategic Partnerships and Digitalization

The company is strengthening partnerships with private companies, government institutions, SOEs, and regionally owned enterprises. Digitalization efforts are being accelerated to improve efficiency and expand guarantee access. As of September 2025, Jamkrida Jakarta saw significant growth in guarantee volume from existing partners and successfully onboarded new partners, contributing to their portfolio expansion.

Market Context and Industry Trends

The guarantee industry faced challenges in 2025, with OJK reporting an 11.91% YoY contraction in guarantee premium income to Rp5.12 trillion in August 2025. Economic expert Toto Pranoto from Universitas Indonesia attributes this decline to weakening bank credit disbursement and potential industry competition. However, Pranoto sees opportunities in government priority programs such as infrastructure development and green energy projects to boost guarantee business.

Business Portfolio Analysis

The SME segment remains a crucial component of Jamkrida Jakarta's portfolio, contributing 86% of total guarantee service income. The company's strategic initiatives are designed to maintain this focus while expanding into new areas. With these measures, Jamkrida Jakarta aims to achieve its 2025 targets and navigate the challenging market environment effectively.