Jakarta, ThedailyID — PT Jaminan Kredit Indonesia (Jamkrindo) reported solid performance in 2025, underscoring its role in supporting Indonesia’s economic resilience. Throughout the year, the company recorded a total guarantee volume of Rp214.73 trillion, benefiting around 4.90 million micro, small, and medium enterprises and cooperatives (MSMEs).
Businesses backed by Jamkrindo’s guarantees were estimated to employ about 6 million workers across various sectors, highlighting the company’s strategic role in expanding access to financing, sustaining MSME growth, and contributing to job creation and broader economic development.
Acting President Director Abdul Bari said guarantee services serve as a critical bridge for viable MSMEs that still face challenges in meeting collateral requirements and accessing financing. He noted that Jamkrindo’s presence strengthens financial institutions’ confidence in extending credit while fostering a more inclusive and sustainable financing ecosystem. According to him, the company’s 2025 performance reflects its tangible contribution to expanding funding access and reinforcing productive sectors.
Abdul Bari added that the results demonstrate Jamkrindo’s consistency in fulfilling its mandate as a strategic partner to MSMEs and in strengthening the people-based economy. Beyond facilitating financing, the company aims to help businesses enhance operational capacity, broaden market reach, and improve bankability. Jamkrindo continues to develop guarantee services tailored to business needs, covering both government-backed programs such as Kredit Usaha Rakyat (KUR) and non-program guarantees that support productive industries.
In addition to improving financing access, Jamkrindo has intensified efforts to assist MSMEs through mentoring and capacity-building initiatives. These programs are designed to strengthen managerial skills, production management, marketing strategies, and overall governance, ensuring that enterprises not only secure capital but also build sustainable and competitive operations. Such efforts contribute to healthier MSME portfolios and higher-quality financing from partner financial institutions.
Looking ahead, Jamkrindo plans to deepen collaboration with banks, financial institutions, central and regional governments, and other stakeholders to widen the reach of guarantee services nationwide. The company will also continue enhancing product innovation and digital transformation to speed up service delivery, improve operational efficiency, and strengthen risk management.
Beyond credit guarantees, Jamkrindo offers direct guarantee products such as surety bonds and counter bank guarantees, which are integrated into government procurement procedures under guidelines from Lembaga Kebijakan Pengadaan Barang/Jasa Pemerintah. These services support more credible and efficient procurement processes and provide businesses with assurance in meeting guarantee requirements for public and private projects. As Indonesia’s largest guarantee company and a member of Indonesia Financial Group, Jamkrindo said it remains committed to delivering adaptive and professional guarantee solutions that promote inclusive growth, strengthen MSME competitiveness, and expand employment opportunities nationwide.
