Banking Capital and Credit Risk %  %  Index  28  3.4 3.2  26  3 2.8  24  2.6 2.4  22  2.2 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10 12 2 4 6 8 10  2017  2018  2019  NPL (gross)  Source: Bank Indonesia, OJK  2020  2021 2022  CAR (rhs)  Digital economy and finance transactions are growing rapidly in line with Bank Indonesia’s policy to accelerate payment system digitalization in order to support national economic recovery.
Exporters are those who know best how difficult it is to really earn some money, since it is them who balance the world market forces on a day-to-day basis, and who should represent the driving force of economic growth and employment.