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West Java, Indonesian Province with the Largest Online Loan Debt by the End of 2025

Nabilah Muhamad 24/04/2026 16:43 WIB

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According to OJK data, West Java has become the province with the largest online loan (pinjol) debt in the country, reaching Rp23.94 trillion in December 2025.

10 Provinces with the Largest Online Loan Debt Values in Indonesia (2025)

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10 Provinces with the Largest Online Loan Debt Values in Indonesia (2025)

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According to a report by the Financial Services Authority (OJK), as of December 2025, there were 26.10 million online loan borrowers in Indonesia.

All of these borrowers had outstanding loans totaling Rp96.62 trillion.

During this period, West Java became the province with the largest online loan debt, amounting to Rp23.94 trillion or about 25% of the national online loan value.

Here is a list of the 10 provinces with the largest online loan debt (outstanding loan) in Indonesia as of December 2025:

West Java: Rp23.94 trillion
DKI Jakarta: Rp15.62 trillion
East Java: Rp11.42 trillion
Central Java: Rp8.02 trillion
Banten: Rp7.2 trillion
North Sumatra: Rp3.56 trillion
South Sulawesi: Rp2.39 trillion
Bali: Rp2.10 trillion
South Sumatra: Rp2.04 trillion
Riau: Rp1.82 trillion

Meanwhile, Papua Pegunungan became the province with the lowest online loan debt, amounting to Rp6.74 billion, followed by South Papua with Rp19.11 billion, and West Papua with Rp30.33 billion.

As of December 2025, the national online loan service had a payment success rate (TKB90) of 95.68%.

This means that 95.68% of online loan debts were successfully repaid by borrowers within a period of up to 90 days after the due date.

Meanwhile, the non-performing loan (TWP90) rate was 4.32%. This means that 4.32% of online loan debts failed to be repaid by borrowers within a period of 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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West Java, Indonesian Province with the Largest Online Loan Debt by the End of 2025

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