National List of Business Sectors with the Highest Peer-to-Peer Lending Debt at the Beginning of 2025

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Nabilah Muhamad 16/04/2025 11:59 WIB

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OJK data shows that 26.55% of total online loan (pinjol) disbursement in January 2025 was channeled to the productive sector.

Top 10 Business Sectors with the Highest National Online Loan Disbursement Value (January 2025)

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Top 10 Business Sectors with the Highest National Online Loan Disbursement Value (January 2025)

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According to a report by the Financial Services Authority (OJK), the value of fintech lending or online loans (pinjol) disbursed domestically reached Rp27.86 trillion in January 2025.

This figure represents a 0.5% decrease month-to-month (mtm) from December 2024, which stood at Rp28 trillion.

Of this amount, Rp7.4 trillion, or 26.55%, was channeled to the productive sector.

At the beginning of this year, domestic online loan disbursements were highest for the wholesale and retail trade sector, reaching Rp4.22 trillion. This accounts for 50%, or half, of the total disbursement to the national productive sector.

Below is a list of the top 10 business sectors with the largest national online loan debt in January 2025:

1. Wholesale and retail trade; repair and maintenance of automobiles and motorcycles: Rp3.95 trillion
2. Accommodation and food service activities: Rp1.06 trillion
3. Other service activities: Rp793.52 billion
4. Activities producing goods and services by households for own use: Rp396.98 billion
5. Agriculture, forestry, and fisheries: Rp383.99 billion
6. Real estate: Rp157.74 billion
7. Information and communication: Rp123.21 billion
8. Transportation and warehousing: Rp97.88 billion
9. Electricity, gas, steam/hot water and air conditioning supply: Rp90.63 billion
10. Construction: Rp79.88 billion

Editor : Erlina Fury Santika

"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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National List of Business Sectors with the Highest Peer-to-Peer Lending Debt at the Beginning of 2025

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