Fintech Lending Users in Indonesia Who Default Increase in Q1 2025

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Adi Ahdiat 19/06/2025 15:30 WIB

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According to data from the Financial Services Authority (OJK), the number of peer-to-peer lending (P2P) users experiencing loan defaults in Indonesia increased in the first quarter of 2025.

Number of Individual Accounts of Fintech Lending Users in Default and Their Ratio to Total Users (January 2024-March 2025)*

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Number of Individual Accounts of Fintech Lending Users in Default and Their Ratio to Total Users (January 2024-March 2025)*

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According to data from the Financial Services Authority (OJK), the number of fintech lending users experiencing loan defaults in Indonesia increased in the first quarter of 2025.

A user is considered to be in default if they fail to repay the loan for more than 90 days from the due date (TWP90).

During the January-December 2024 period, the number of individual fintech lending user accounts with TWP90 status ranged from only 460,000 to 560,000 entities.

However, from January to March 2025, the number of accounts in default surged to between 770,000 and 780,000 entities.

The ratio of fintech lending users with TWP90 status also increased.

Throughout last year, the number of individual user accounts in default fluctuated between 2.2% and 3.1% of the total users.

Then, in the first quarter of this year, the ratio rose to approximately 3.3% of the total users, as shown in the graph.

In March 2025, the number of individual fintech lending user accounts in default reached approximately 789,900 entities, 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 fintech lending user 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 fintech lending user 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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Fintech Lending Users in Indonesia Who Default Increase in Q1 2025

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