Indonesia's Fintech Loan Defaults Increase in Q1 2025

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Adi Ahdiat 19/06/2025 14:00 WIB

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Based on OJK data, cases of peer-to-peer lending (P2P) defaults in Q1 2025 showed an upward trend compared to Q4 2024.

Total Outstanding Loan of Fintech Lending in Indonesia and Default Ratio (January 2024-March 2025)

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Total Outstanding Loan of Fintech Lending in Indonesia and Default Ratio (January 2024-March 2025)

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According to data from the Financial Services Authority (OJK), the total outstanding loans of fintech lending circulating in Indonesia reached Rp79.97 trillion in March 2025. This figure represents the total principal loan amount that has not yet been repaid.

Of all outstanding loans, 2.77%, or Rp2.22 trillion, were in default or 90-day past due (TWP90). TWP90 is the ratio of loans not repaid by borrowers for more than 90 days from the due date.

On a quarterly basis, the number of online loan defaults at the beginning of this year tended to increase compared to the end of last year.

During October-December or Q4 2024, the national TWP90 or online loan default ratio ranged from 2.3% to 2.6%.

Then, in January-March or Q1 2025, the default ratio rose to the range of 2.5% to 2.7%, as shown in the graph.

The OJK recorded that at the end of Q1 2025, there were approximately 789,900 individual online loan recipient accounts that defaulted, with a total default value of Rp1.65 trillion.

These defaults were more prevalent among women and younger age groups.

Here is the breakdown of the number of individual online loan recipient accounts in default (TWP90) in March 2025 by gender:

Male: 385,700 accounts, default value of Rp803.88 billion
Female: 404,200 accounts, default value of Rp849.24 billion

Here is the number of individual online loan recipient accounts in default (TWP90) in March 2025 by age:

Under 19 years old: 20,400 accounts, default value of Rp4.16 billion
19-34 years old: 467,900 accounts, default value of Rp794.41 billion
35-54 years old: 264,800 accounts, default value of Rp725.26 billion
54 years and older: 36,800 accounts, default value of Rp129.29 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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Indonesia's Fintech Loan Defaults Increase in Q1 2025

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