ZONA PRIANGAN - Karawang Regency has strong potential as a driver of economic growth in West Java's coastal areas. The Financial Services Authority (OJK) of West Java Province affirmed its commitment to strengthening the regional economy by expanding financial inclusion and strengthening the micro, small, and medium enterprise (MSME) ecosystem.
This support was conveyed by the Head of the West Java OJK, Darwisman, during a meeting with Karawang Regent Aep Syaepuloh at the Karawang Regent's Office on Friday (12/12). The meeting discussed strategies for increasing access to safe, affordable, and sustainable financing, particularly for MSMEs and the leading coastal commodity sector.
Darwisman emphasized the importance of mapping Karawang's leading commodities to strengthen the upstream-downstream ecosystem and ensure the availability of credible offtakers so that MSME products are sustainably absorbed by the market. From a banking perspective, the OJK is encouraging expanded access to capital so that small businesses not only survive but also thrive.
Economically, Karawang recorded 6.40 percent year-on-year (YoY) growth, surpassing the West Java average of 5.20 percent YoY. Karawang's economic structure remains dominated by the secondary sector, contributing 74.66 percent to the GRDP.
West Java's banking performance as of October 2025 also showed a positive trend, with total assets growing 3.51 percent year-on-year, Third Party Funds (TPF) increasing 5.58 percent year-on-year, and credit disbursement increasing 4.02 percent year-on-year. In Karawang, credit disbursement reached IDR 76.82 trillion, representing an 8.11 percent year-on-year growth, higher than the West Java average. Karawang ranks fifth in terms of credit disbursement in West Java with a market share of 7.41 percent.
Credit disbursement in Karawang is dominated by the Household sector (34.83 percent), the Manufacturing Industry (32.97 percent), and Wholesale and Retail Trade (9.41 percent). The manufacturing industry sector recorded the highest growth of 27.67 percent year-on-year, confirming Karawang's role as a strategic manufacturing hub.
However, MSME credit disbursement still faces challenges. Outstanding MSME loans in Karawang decreased by 4.32 percent to IDR 10.13 trillion, with 182,913 accounts. Karawang ranks sixth among MSME lenders in West Java, with 555,891 MSMEs, or 3.49 percent of the total number of MSMEs in West Java.
The Financial Services Authority (OJK), along with the Karawang Regional Financial Access Acceleration Team (TPAKD), continues to promote MSME credit distribution to reduce reliance on high-interest informal loans, including through optimizing low-cost financing such as the People's Business Credit (KUR).
Karawang Regent Aep Syaepuloh welcomed the OJK's support and emphasized the importance of MSME financing based on superior regional commodities to drive inclusive and sustainable economic growth.