Indonesian Province with the Highest NPL Ratio for P2P Lending in May 2025

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Nabilah Muhamad 18/09/2025 16:59 WIB

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According to OJK data, the non-performing loan (NPL) ratio for online loans in Indonesia reached 3.19% in May 2025. The highest pinjol NPL ratio was in NTB.

Non-Performing Loan Ratio of Online Lenders in 38 Indonesian Provinces (May 2025)

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Non-Performing Loan Ratio of Online Lenders in 38 Indonesian Provinces (May 2025)

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According to a report by the Financial Services Authority (OJK), in May 2025, the value of non-performing loans (NPLs) for online loans or P2P lending in Indonesia reached Rp2.63 trillion.

This represents 3.19% of the total outstanding loan value nationally.

This figure reflects the 90-day past due rate (TWP90), the condition where borrowers fail to repay their debt more than 90 days after the due date.

Regionally, the highest online loan default rate in May 2025 was in West Nusa Tenggara, reaching 4.77%.

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

The OJK's acceptable limit for NPLs is a maximum of 5%.

The following is a list of the 10 provinces with the highest online loan NPL ratios in Indonesia in May 2025:

1.West Nusa Tenggara: 4.77%

2. Yogyakarta Special Region: 4.2%

3. West Java: 3.96%

4. Jakarta: 3.6%

5. Central Java: 3.52%

6. Lampung: 3.42%

7. East Java: 3.41%

8. West Sumatra: 3.16%

9. South Sumatra: 2.82%

10. Banten: 2.67%

Meanwhile, the lowest online loan NPL ratios were in North Maluku (0.87%), Maluku (1.02%), and West Papua (1.07%).

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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