Jamkrindo Exceeds Profit Targets in Q3 2025

Strong Financial Performance

PT Jamkrindo reported a net profit of Rp539.87 billion for the period ending September 2025. The company's guarantee fee income reached Rp5.27 trillion, with total equity standing at Rp12.76 trillion and assets valued at Rp30.11 trillion. The Return on Equity (ROE) was recorded at 4.14%.

Regulatory Compliance

As of September 2025, Jamkrindo's gearing ratio stood at 17.5x, significantly below the maximum 40x limit mandated by POJK No. 11/2025, effective November 6, 2025. This regulatory compliance provides substantial capacity for further guarantee operations.

UMKM Support Initiatives

Since 2015, Jamkrindo has guaranteed 27 million UMKM businesses, with a total guaranteed value of Rp1,046 trillion and supported employment for approximately 35 million people. The company's performance was highlighted during a working meeting with Commission VII of DPR RI.

Industry Context

The credit guarantee company's performance aligns with the broader KUR (People's Business Credit) program. As of November 15, 2025, KUR disbursement reached Rp238.7 trillion, or 83.2% of the Rp286.61 trillion target. The program has supported 4.04 million debtors, with 2.25 million new debtors and 1.32 million graduated debtors.