10 Indonesian Provinces with the Highest Online Loan Default Rates, March 2025

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Nabilah Muhamad 20/06/2025 11:40 WIB

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According to the Financial Services Authority (OJK) report, the non-performing loan (NPL) rate for online lending in Indonesia reached 2.77% in March 2025. The highest NPL rate for online lending was

10 Indonesian Provinces with the Highest Online Loan Default Rates (March 2025)

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10 Indonesian Provinces with the Highest Online Loan Default Rates (March 2025)

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Based on a report by the Financial Services Authority (OJK), the total value of online loan defaults in Indonesia reached Rp2.2 trillion in March 2025.

This represents 2.77% of the total outstanding loan value nationally.

This figure reflects the non-performing loan (NPL) rate, where borrowers fail to repay their debts more than 90 days after the due date.

Regionally, the highest online loan default rate in March 2025 was in West Nusa Tenggara, reaching 4.08%.

This means that approximately 4 out of 100 online loan users in the province failed to repay their debts more than 90 days after the due date.

The OJK sets the acceptable limit for NPLs at a maximum of 5%.

The following is a list of the 10 provinces with the highest online loan default rates in Indonesia in March 2025:

1. West Nusa Tenggara: 4.08%

2. West Sumatra: 3.40%

3. West Java: 3.34%

4. Jakarta: 3.08%

5. South Sumatra: 3.06%

6. Yogyakarta: 2.95%

7. East Java: 2.94%

8. Central Java: 2.9%

9. Lampung: 2.72%

10. Banten: 2.71%

During this period, the lowest default rate was in North Maluku at only 0.84%, followed by Maluku at 0.85%, and Papua Pegunungan at 0.95%.

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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10 Indonesian Provinces with the Highest Online Loan Default Rates, March 2025

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