How Much Loan Value Do Citizens Apply For in a Month? Here's the Survey

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Cindy Mutia Annur 27/10/2023 16:01 WIB

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Recent Populix survey results show that the majority, or 66%, of Indonesians report applying for online loans of less than Rp1 million per month.

Average Loan Amount Applied for by Respondents per Month (September 2023)

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Average Loan Amount Applied for by Respondents per Month (September 2023)

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A recent Populix survey titled *Unveiling Indonesia’s Financial Evolution: Fintech Lending and Paylater Adoption* reveals the typical amounts of online loans (pinjol) requested by Indonesians.

The results show that the majority, or 38% of respondents, applied for online loans of less than Rp1 million per month.

The next most common loan amount was Rp2 million to Rp3 million per month, with 36% of respondents.

Furthermore, 8% of respondents applied for loans between Rp3 million and Rp4 million, and 9% applied for loans between Rp4 million and Rp5 million per month.

Another 10% of respondents applied for loans exceeding Rp5 million per month.

"This trend (in loan amounts) indicates a cautious and conservative approach to online loans among this group of users, likely due to budget constraints and a preference for risk avoidance," stated Populix in its report.

The Populix survey also revealed that most respondents opted for online loans with relatively small monthly installments, namely under Rp1 million per month, representing 66% of respondents.

This survey was conducted from September 15-18, 2023, involving 420 respondents who use online loan applications, out of a total of 1,017 respondents assumed to represent the entire Indonesian demographic.

The respondents were predominantly female (51%), with males accounting for 49%. The majority of respondents were from Java (79%), followed by Sumatra (12%), and other islands (9%).

Respondents were aged 17-55 years, dominated by the 17-25 age group (55%) and the 26-35 age group (31%).

The respondents comprised employees (56%), students (21%), entrepreneurs (11%), housewives (6%), and others (6%).

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."

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How Much Loan Value Do Citizens Apply For in a Month? Here's the Survey

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