2025年印尼B2B支付实践趋势

B2B paymentpractices trends About the Atradius The Atradius Payment Practices Barometer is an annual survey ofbusiness-to-business (B2B) payment practices in markets across theworld. Our survey gives you the opportunity to hear directly from businessestrading on credit with B2B customers about how they are coping withevolving trends in customer payment behaviour. Staying informedabout these trends is vital because it helps to identify emerging shifts in Businesses operating in – or planning to enter – the markets andindustries covered by our survey can gain valuable insights from ourreports, which also shed light on the challenges and risks companies This report presents the survey results forIndonesia. The survey was conducted during the second half of Q2 2025.Findings should therefore be viewed with this in mind. B2B paymentpractices trends Growing liquidity pressure amid concernover level of bad debts Nearly half of Indonesian companies report no significant changein B2B customer payment behaviour in recent months. However,an average 49% of B2B invoices are currently overdue, suggestinga substantial strain on cash flow and liquidity for businesses In response to these pressures most Indonesian businessesrefrain from expanding trade credit to B2B customers. Thiscaution is also evident in most firms continuing with existingpayment policies, highlighting a risk averse approach thatpreserves working capital stability in an uncertain payment The result is a marked improvement in Days Sales Outstanding(DSO), helping companies to inject cash back into operations morequickly. Despite these improvements, liquidity is being locked upelsewhere. Many businesses report inventory build-ups, either dueto cautious overstocking or sluggish demand, further restrictingworking capital. Some companies are now also being urged by Bank loans are the predominant financing tool, used by three infive Indonesian companies. Supplier credit and invoice financingare used less frequently, and internal funds are often preservedfor contingencies. To hedge B2B trade-related customer payment Key figures and charts Indonesia Indonesia % of the total value of B2B invoices paid on time,overdue and bad debts What are the top 4 reasons your B2B customers payinvoices late? (% of respondents - multiple response) Delays in payment process Supply chain disruptions Sample: all survey respondents Source: Atradius Payment Practices Barometer Indonesia – 2025 Indonesia Indonesia % of respondents reporting changes in Days SalesOutstanding (DSO)* over the past 12 months What are the main sources of financing that yourcompany used during the past 12 months? 62% Bank loans58% Trade credit52% Invoice financing(% of respondents - multiple response) (% of respondents) Sample: all survey respondentsSource: Atradius Payment Practices Barometer Indonesia – 2025 Looking ahead Uncertain economic landscape puts strain on Our survey finds there is growing concern among Indonesianbusinesses about the outlook for customer payments related toB2B trade on credit as they look towards the latter half of theyear and beyond. 50% of companies tell us they expect a rise in These external pressures are expected to weigh on the outlookfor Indonesia’s domestic economy and to intensify challenges inmanaging working capital. Most businesses anticipatedeteriorating payment collection times in the months ahead, as To ease pressure on cash flow, many companies plan to slowdown supplier payments, a move that may help short-termliquidity but with the risk of creating strain in supply chainrelationships. Despite these concerns, businesses across a range One of the main concerns for companies in Indonesia as they planfor the months ahead surrounds the issue of rising productioninput costs, which are compressing profit margins and thereforebecoming a risk to financial health. Another major worry is the Key industry insights Agri-food A broad expansion of trade credit offerings in the agri-food sector isreflected in 47% of B2B sales being transacted on credit, an increaseon the previous year. Payment policies are mostly unchanged, withaverage payment terms averaging 50 days from invoicing. However,overdue invoices affect nearly half of all B2B transactions. Customerstypically take more than a month to settle overdue payments, with Most companies are responding with intensified collection efforts,contributing to shorter DSO, while supplier-side liquidity pressures aredriving faster supplier payments. Inventory turnover is volatile, withfirms reporting either significant build-ups or faster movement ofstock. Bank loans remain the primary trade finance instrument, and tomitigate customer payment risk 48% of companies adopt a blend ofinternal provisioning and outsourced solutions such as credit Indonesia - Agri-food Top 5 challenges companies face when offering credit to B2B customers Handling economic shifts impacting customer payment Managing th