Outstanding Online Loan Debt Decreases in August 2023

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Adi Ahdiat 25/10/2023 19:27 WIB

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In August 2023, the national value of non-performing loans from online lending platforms reached Rp1.53 trillion, a decrease of approximately Rp413 billion compared to the previous month.

Value and Ratio of Non-Performing Loans (NPL) of Online Lenders in Indonesia (January 2022-August 2023)

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Value and Ratio of Non-Performing Loans (NPL) of Online Lenders in Indonesia (January 2022-August 2023)

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According to data from the Financial Services Authority (OJK), problematic online loans (pinjol) categorized as non-performing loans decreased in August 2023.

The OJK monitors non-performing pinjol loans based on a delinquency rate (TWP) > 90 days. This means a pinjol loan is classified as non-performing if the borrower fails to repay the debt for more than 90 days from the due date.

In August 2023, the national value of non-performing pinjol loans reached Rp1.53 trillion, a decrease of approximately Rp413 billion compared to the previous month.

The ratio of non-performing loans also decreased significantly.

Previously, in July 2023, the ratio of problematic pinjol loans reached 3.47% of the total outstanding pinjol loans.

Then, in August 2023, the ratio of non-performing pinjol loans decreased to 2.88%, as shown in the graph above.

This decrease in non-performing loans coincides with a decrease in the number of pinjol users.

In July 2023, the number of active pinjol recipient accounts reached 20.36 million entities. However, in August 2023, the number of borrowers decreased to 19.13 million entities.

In August 2023, non-performing pinjol loans were more prevalent among men, with accumulated loan defaults totaling Rp599 billion. Meanwhile, the value of non-performing loans for women was Rp520 billion.

Based on the borrowers' age, in August 2023, non-performing pinjol loans most involved the 19-34 age group, with accumulated loan defaults totaling Rp602 billion, followed by the 35-54 age group with non-performing loans valued at Rp447 billion.

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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