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Sumber utang juga perlu kita perhatikan. Seperti yang sudah disebut sebelumnya, utang luar negeri Indonesia berasal dari berbagai sumber. Pinjaman bilateral, misalnya, adalah pinjaman dari negara lain. Biasanya, pinjaman ini memiliki syarat dan ketentuan yang lebih fleksibel dibandingkan dengan pinjaman komersial. Pinjaman multilateral, seperti dari Bank Dunia atau Asian Development Bank (ADB), biasanya digunakan untuk membiayai proyek-proyek pembangunan. Selain itu, Indonesia juga menerbitkan surat utang di pasar global, seperti obligasi atau sukuk. Penerbitan surat utang ini bertujuan untuk mendapatkan dana dari investor asing. Masing-masing sumber utang ini memiliki karakteristik dan risiko yang berbeda. Misalnya, pinjaman bilateral mungkin memiliki suku bunga yang lebih rendah, tetapi bisa jadi memiliki persyaratan yang terkait dengan kebijakan politik. Sementara itu, penerbitan surat utang di pasar global bisa jadi lebih mahal, tetapi memberikan fleksibilitas yang lebih besar.
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