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10 Indonesian Provinces with the Largest Online Loan Debt in August 2025

Nabilah Muhamad 11/11/2025 17:06 WIB

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According to OJK data, West Java became the Indonesian province with the largest national online loan debt in August 2025.

Top 10 Indonesian Provinces with the Highest National Online Loan* Debt (August 2025)

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Top 10 Indonesian Provinces with the Highest National Online Loan* Debt (August 2025)

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According to a report by the Financial Services Authority (OJK), as of August 2025, there were 25.46 million online loan recipients in Indonesia.

All these borrowing entities had outstanding principal loans amounting to Rp87.48 trillion.

During this period, West Java was the province with the largest online loan debt, amounting to Rp21.79 trillion, or about 25% of the total national online loan value.

Below is a list of the 10 provinces with the largest outstanding online loan (pinjol) values in Indonesia as of August 2025:

West Java: Rp21.79 trillion
Jakarta: Rp13.37 trillion
East Java: Rp10.65 trillion
Central Java: Rp7.32 trillion
Banten: Rp6.54 trillion
North Sumatra: Rp3.28 trillion
South Sulawesi: Rp2.18 trillion
Bali: Rp1.89 trillion
South Sumatra: Rp1.82 trillion
Riau: Rp1.64 trillion

Meanwhile, Highland Papua was the province with the lowest online loan debt, at Rp5.65 billion, followed by South Papua with Rp15.88 billion, and Southwest Papua with Rp27.01 billion.

As of August 2025, national online loan services had a success rate of payment (TKB90) of 97.43%.

This means that 97.43% of online loan debts were successfully repaid by borrowers within 90 days from the due date.

Meanwhile, the non-performing loan rate or default rate (TWP90) was only 2.57%. This means that 2.57% of online loan debts failed to be repaid by borrowers more than 90 days after the due date.

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 Largest Online Loan Debt in August 2025

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