Early 2025, West Java Residents' Online Loan Debt Reaches Rp19 Trillion

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Nabilah Muhamad 15/04/2025 16:48 WIB

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According to the Financial Services Authority (OJK) report, West Java had the highest national total of outstanding peer-to-peer (P2P) lending debt, reaching Rp19.88 trillion in January 2025.

Top 10 Indonesian Provinces with the Highest Outstanding Peer-to-Peer Lending Debt (January 2025)*

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Top 10 Indonesian Provinces with the Highest Outstanding Peer-to-Peer Lending Debt (January 2025)*

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According to a report by the Financial Services Authority (OJK), in January 2025, there were 23.16 million online loan recipients (pinjol) in Indonesia. These borrowers had a total outstanding loan of Rp78.50 trillion.

West Java had the highest outstanding online loan debt at the beginning of the year, amounting to Rp19.88 trillion, or 25% of the national total.

Meanwhile, Papua Pegunungan had the lowest outstanding online loan debt, at only Rp3.45 billion. Papua Selatan followed with Rp9.66 billion, and Papua Barat Daya with Rp16.05 billion.

Below is a list of the 10 provinces with the highest outstanding online loan values in Indonesia as of January 2025:

1. West Java: Rp19.88 trillion
2. Jakarta: Rp12.5 trillion
3. East Java: Rp9.81 trillion
4. Central Java: Rp6.6 trillion
5. Banten: Rp5.97 trillion
6. North Sumatra: Rp2.73 trillion
7. South Sulawesi: Rp1.85 trillion
8. South Sumatra: Rp1.58 trillion
9. Bali: Rp1.55 trillion
10. Lampung: Rp1.46 trillion

The OJK also noted that in January 2025, national online loan users had a 90-day repayment rate (TKB90) of 97.48%. This means that approximately 98 out of 100 online loan users successfully repaid their debts within 90 days of the due date.

The 90-day non-performing loan rate (TWP90) was only 2.52%. This means that only about 2 out of 100 online loan users defaulted on their debt more than 90 days after the due date.

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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Early 2025, West Java Residents' Online Loan Debt Reaches Rp19 Trillion

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