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This time we will highlight the positive impact of the government’s policy of channeling Rp. 200 trillion in funds to commercial banks, which is projected to be a trigger for growth in the logistics industry and national transportation. With additional liquidity, logistics companies have the opportunity to strengthen their fleets, expand their networks, and transform towards more efficient, technology-based services.
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Indonesia’s logistics and transportation industry is preparing for a new chapter in 2025. Stable economic growth presents significant opportunities, while the government’s policy of transferring IDR 200 trillion from Bank Indonesia to commercial banks is believed to be a game-changer. With additional liquidity, access to financing for logistics businesses will be increasingly open, encouraging fleet expansion, service digitalization, and the development of supporting infrastructure.
While the challenges of high logistics costs, infrastructure inequality, and sustainability remain, this momentum could be a starting point for transformation. If optimally utilized, Indonesia’s logistics industry will not only be able to follow global trade flows but also have the potential to become a major supply chain hub in Southeast Asia.
The impact on banking for the logistics & transportation industry
The government’s policy, through the Minister of Finance, to transfer Rp 200 trillion in government funds from Bank Indonesia to commercial banks is a strategic fiscal measure. With this influx of funds, banks gain significant additional liquidity that can be immediately used to expand credit distribution. The logistics and transportation sectors, known for their capital intensity, are among the primary beneficiaries of this policy.
The additional liquidity allows banks to provide investment loans at more competitive interest rates for the purchase of fleets of trucks, ships, and cargo planes, as well as the construction of modern warehouses and logistics terminals. Furthermore, banks can expand working capital financing for transportation and shipping companies seeking to expand their service capacity. The domino effect of this policy is the opening of opportunities for business expansion, fleet modernization, and supply chain digitalization, ultimately strengthening the competitiveness of Indonesia’s logistics and transportation industry in regional and global markets.
Availability of financing for the transportation sector
The national transportation sector has long faced limited access to financing due to its capital-intensive and high-risk nature. The policy of transferring Rp 200 trillion in funds to commercial banks paves the way for improving this situation. With additional liquidity, banks have more room to channel the long-term investment credit needed by the transportation sector.
Land transportation companies can apply for financing to purchase new fleets, including logistics trucks and buses, to improve the efficiency of goods distribution and passenger mobility. On the maritime and air side, the availability of competitive credit will encourage the modernization of cargo ships, the procurement of cargo aircraft, and the development of port and airport terminals. Equally important, toll road infrastructure projects will also have easier access to bank financing.
With this open access, Indonesian transportation has the opportunity to improve service quality, reduce national logistics costs, and strengthen inter-regional connectivity, which is an important foundation for national economic growth.
Impact on logistics players: warehouse expansion, distribution, supply chain digitalization
For logistics industry players, the additional bank liquidity from the Rp 200 trillion policy opens up opportunities for broader expansion. One key need is the construction and modernization of warehouses in strategic locations, particularly near industrial areas, ports, and e-commerce distribution centers. With bank financing support, logistics companies can build high-tech storage facilities, including cold storage, which is crucial for the food and pharmaceutical sectors.
Furthermore, greater access to credit also allows companies to expand their distribution networks, either by adding fleets or opening new transportation routes to previously inaccessible areas. Meanwhile, supply chain digitalization is becoming increasingly important. Investments in technology-based logistics management systems, the Internet of Things (IoT), and artificial intelligence can be encouraged with capital support from banks. All of this will increase efficiency, reduce operational costs, and strengthen Indonesia’s logistics competitiveness in the global market.
The relationship between e-commerce growth and logistics demand
The rapid growth of e-commerce in Indonesia over the past five years has drastically changed the logistics industry landscape. By 2025, the number of online transactions is projected to continue increasing in line with growing internet penetration and digital shopping behavior. This demands a fast, reliable, and high-capacity logistics system to meet consumer expectations for faster and more transparent delivery.
The government’s policy of transferring IDR 200 trillion to commercial banks has become a significant catalyst for this sector. Increased liquidity allows logistics companies to more easily access financing to expand their delivery fleets, build warehouse fulfillment centers, and improve real-time tracking technology. With more affordable financing, companies can increase capacity to meet the surge in e-commerce demand.
As a result, the logistics industry will not only grow as a supporter of e-commerce, but also become a crucial pillar in driving the growth of Indonesia’s digital economy as a whole.
Challenges: operational costs, regulations, intense competition
Despite the significant opportunities presented, the logistics and transportation industry continues to face several crucial challenges. One of these is high operational costs, primarily driven by fuel prices, toll fees, and fleet maintenance. Without balanced efficiency and technology, companies’ profit margins could be squeezed even as business volume increases.
Furthermore, regulations in the transportation sector frequently change and require rapid adjustments, whether related to permits, safety standards, or environmental policies. Lengthy bureaucratic processes also remain a barrier to business expansion.
Another challenge is increasing competition. The surge in logistics demand following the Rp 200 trillion policy will attract more new players, including foreign companies with significant capital. This has the potential to trigger a price war that could actually harm the industry if not balanced by service differentiation.
Therefore, logistics players are required to manage costs efficiently, comply with regulations adaptively, and provide value-added services to remain competitive.
Logistics & transportation companies’ strategies to capitalize on momentum
To truly reap the benefits of the IDR 200 trillion fund transfer policy, logistics and transportation companies need to develop the right strategies. First, optimize financing: companies must immediately take advantage of bank credit opportunities to upgrade their fleets, build modern warehouses, and invest in supply chain technology systems. Second, service innovation: beyond just delivering goods, they must also offer end-to-end solutions such as inventory management, cold chain logistics, and fulfillment services for e-commerce.
Furthermore, strategic collaboration is key. Logistics companies can partner with banks, technology companies, and marketplaces to expand their markets. Furthermore, a focus on operational digitalization—using IoT, big data, and AI—will improve service efficiency and transparency.
With a measurable strategy, logistics and transportation players will not only become passengers of economic growth, but also driving forces that strengthen national competitiveness amidst global competition.
The role of insurance & risk management in logistics and transportation, by adding the importance of the role of insurance brokers such as
In the logistics and transportation industry, risk is present at every stage of the chain: from damaged goods and delayed deliveries to fleet accidents, to operational disruptions due to disasters or other external factors. With increased activity following the Rp 200 trillion policy, the need for insurance and risk management has become even more vital.
Cargo insurance, commercial vehicle insurance, liability insurance, and business interruption insurance are all important instruments that can protect companies from potential financial losses. However, given the complexity of the risks and the wide variety of policies available, logistics companies often need a partner who understands the intricacies of the industry.
This is where the role of a professional insurance broker like L&G Insurance Broker becomes crucial. Brokers not only help companies obtain coverage at competitive premiums but also design insurance programs tailored to the specific needs of their logistics businesses. Furthermore, brokers ensure a smooth claims process in the event of an incident, allowing companies to resume operations without disrupting their cash flow.
With the support of insurance brokers, logistics companies can focus more on expansion and innovation, while the associated risks are managed professionally and sustainably.
Logistics & Transportation Sector Growth Projections for the Next 3–5 Years
The government’s policy of transferring Rp 200 trillion from Bank Indonesia to commercial banks is believed to accelerate liquidity circulation in the real sector, including logistics and transportation. With increased credit availability, land, sea, and air transportation companies will have easier access to financing for new fleet purchases, infrastructure modernization, and the implementation of digital technology in supply chain management.
Growth projections for the next 3–5 years show a positive trend. Domestic freight volume is estimated to increase by an average of 7–9% per year, in line with the recovery of consumer purchasing power and the growth of e-commerce. Meanwhile, the maritime and air transportation sectors are projected to record 5–7% annual growth, driven by increased exports and imports and strengthened interregional connectivity.
This growth will also open up significant opportunities for supporting industries, such as warehousing, distribution centers, and courier services. With an increasingly integrated ecosystem, Indonesia has the potential to become a major logistics hub in Southeast Asia. However, this acceleration will also increase the complexity of risks, making sound financing strategies, technology, and risk management key to long-term success.
Simulation of the Impact of Increasing Insurance Premiums in the Logistics & Transportation Sector
With the Rp 200 trillion liquidity injection into commercial banks, logistics and transportation companies are expected to increase fleet and infrastructure expansion. Each such expansion directly creates additional demand for insurance coverage. For example, the purchase of thousands of new trucks, ships, and even cargo planes will increase premiums for commercial vehicles, marine cargo, and aviation insurance.
As an illustration, if 20% of total funds flowed into the logistics and transportation sector, approximately IDR 40 trillion could be absorbed through working capital loans and investments. Of that amount, if just 2% were allocated for insurance protection, the potential additional premiums could reach IDR 800 billion per year. This figure does not include premium increases from derivative activities, such as warehousing insurance, liability insurance, and business interruption insurance.
With the logistics industry growing at around 7–9% per year, insurance premiums in this sector are projected to increase by 10–15% annually over the next 3–5 years. This means this fiscal policy has the potential to transform the insurance industry into a strategic partner in maintaining the smooth flow of goods and the national supply chain.
The Strategic Role of Insurance Brokers
The government’s policy of transferring IDR 200 trillion to commercial banks represents a historic moment for the logistics and transportation sector. The surge in credit, fleet expansion, and increased freight flow will present both opportunities and risks that cannot be ignored. This is where insurance plays a key role in safeguarding business continuity.
However, given the complexity of the risks in the logistics industry—from vehicle insurance, marine cargo, liability, to business interruption—companies need partners who truly understand the intricacies of risk protection. Insurance brokers serve not merely as intermediaries, but as strategic advisors capable of designing appropriate insurance programs, ensuring competitive premiums, and advocating for clients’ interests in the event of a claim.
As one of Indonesia’s leading insurance brokers, L&G Insurance Broker has extensive experience assisting companies in logistics, transportation, and related sectors in navigating dynamic risks. With the support of an expert team, digital technology (LIGASYS), and a track record of successfully handling large claims, L&G is ready to help companies capitalize on this fiscal policy opportunity more safely and effectively.
It’s time for logistics industry players to collaborate with professional insurance brokers. With robust protection, companies can focus more on expansion, innovation, and contributing to national economic growth.
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L&G 24-HOUR HOTLINE: 0811-8507-773 (CALL – WHATSAPP – SMS)
Website: lngrisk.co.id
Email: halo@lngrisk.co.id
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