More Women Fail to Pay Online Loans Than Men in Indonesia

Finance

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Adi Ahdiat 19/06/2025 16:30 WIB

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According to OJK data, in March 2025, loan defaults were more prevalent among women than men in Indonesia.

Indonesian Fintech Lending Users in Default and the Value of Their Defaults (March 2025)

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Indonesian Fintech Lending Users in Default and the Value of Their Defaults (March 2025)

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According to Financial Services Authority (OJK) data, as of March 2025, approximately 789,900 individual accounts using online loans (pinjol) in Indonesia experienced loan defaults, with a total default value of Rp1.65 trillion.

A online loans user is considered to have defaulted if they fail to repay the loan for more than 90 days from the due date (TWP90).

These defaults were more prevalent among women than men. Here's a breakdown of online loans users who defaulted (TWP90) in March 2025 by gender:

Women:

Number of users who defaulted: 404,200 accounts (3.4% of the total number of women using pinjol)
Default value: Rp849.24 billion

Men:

Number of users who defaulted: 385,700 accounts (3.3% of the total number of men using pinjol)
Default value: Rp803.88 billion

Based on this data, the average default amount for women was approximately Rp2.10 million per person. Meanwhile, the average default amount for men was Rp2.08 million per person.

When viewed by age group, the highest number of pinjol defaults was experienced by the younger group, specifically those aged 19-34 years.

Here's a breakdown of the number of individual pinjol user accounts that defaulted (TWP90) in March 2025 by age:

Under 19 years old: 20,400 accounts, default value Rp4.16 billion
19-34 years old: 467,900 accounts, default value Rp794.41 billion
35-54 years old: 264,800 accounts, default value Rp725.26 billion
54 years and older: 36,800 accounts, default value 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."