Top 10 Indonesian Provinces with the Highest Peer-to-Peer Lending Debt at the End of Semester I 2025

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Nabilah Muhamad 22/09/2025 11:16 WIB

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According to the Financial Services Authority (OJK) report, West Java had the highest outstanding peer-to-peer (P2P) lending debt at Rp20.75 trillion, representing 25% of the national P2P lending tota

Top 10 Provinces with the Highest Outstanding Peer-to-Peer Lending Debt (Nationally) (June 2025)

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Top 10 Provinces with the Highest Outstanding Peer-to-Peer Lending Debt (Nationally) (June 2025)

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According to a report by the Financial Services Authority (OJK), as of June 2025, there were 25.15 million online loan recipients (pinjol) in Indonesia. These borrowers had a total outstanding loan of Rp83.46 trillion.

In the first half of the year, West Java had the highest outstanding online loan debt at Rp20.75 trillion, representing 25% of the national total.

The following is a list of the 10 provinces with the highest outstanding online loan values in Indonesia as of June 2025:

1. West Java: Rp20.75 trillion

2. Jakarta: Rp12.83 trillion

3. East Java: Rp10.41 trillion

4. Central Java: Rp6.96 trillion

5. Banten: Rp6.22 trillion

6. North Sumatra: Rp3.07 trillion

7. South Sulawesi: Rp2.03 trillion

8. Bali: Rp1.78 trillion

9. South Sumatra: Rp1.72 trillion

10. Riau: Rp1.56 trillion.

Meanwhile, the highest mountain province, Papua Pegunungan, had the lowest online loan debt at Rp4.9 billion. This was followed by South Papua with Rp14.24 billion and Southwest Papua with Rp24.05 billion.

The OJK also reported that as of June 2025, national online loan users had a 90-day repayment rate (TKB90) of 97.15%. This means that approximately 97 out of 100 online loan users successfully repaid their debt within 90 days of the due date.

The 90-day non-performing loan rate (TWP90) was only 2.85%. This means that only about 3 out of 100 online loan users defaulted on their debt more than 90 days after the due date.

Editor : Erlina Fury Santika

"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."