West Java Leads in Peer-to-Peer Lending Debt on Java Island as of July 2023

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Cindy Mutia Annur 06/09/2023 16:52 WIB

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Based on OJK data, West Java had the largest outstanding peer-to-peer lending (pinjol) loan in Java Island in July 2023, reaching Rp15.24 trillion.

Outstanding Peer-to-Peer Lending Debt in Java by Province (July 2023)

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Outstanding Peer-to-Peer Lending Debt in Java by Province (July 2023)

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According to data from the Financial Services Authority (OJK), there were 15.18 million online loan recipients (pinjol) on the island of Java as of July 2023, with outstanding loan principal amounting to Rp43.58 trillion.

The outstanding loan value in Java represents 77.86% of the total outstanding loan value for all of Indonesia, which reached Rp55.97 trillion in July 2023.

West Java had the largest outstanding loan in Java, reaching Rp15.24 trillion in July 2023. This was not only the largest in Java but also the largest in all of Indonesia.

Other provinces with the largest online loan debt in Java were DKI Jakarta (Rp11.36 trillion), followed by East Java (Rp6.78 trillion), Banten (Rp4.88 trillion), and Central Java (Rp4.44 trillion).

Meanwhile, Yogyakarta had the lowest online loan debt in Java in July 2023, at Rp852.96 billion.

Cumulatively, online loan users in Indonesia in July 2023 had a 90-day repayment rate (TKB90) of 96.53%. 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 default rate (TWP90) was 3.47%. This means that approximately 3 out of 100 online loan users failed to repay their debt within 90 days of the due date.

Although this percentage is low, the number of individual online loan users who defaulted is quite high.

According to OJK data, in July 2023, non-performing loans (NPLs) ranging from 30 to 90 days occurred in approximately 2.92 million individual online loan users, with a total debt of approximately Rp4.29 trillion.

Furthermore, NPLs exceeding 90 days occurred in approximately 710,060 individual online loan users, with a total debt of approximately Rp1.51 trillion.

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."

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West Java Leads in Peer-to-Peer Lending Debt on Java Island as of July 2023

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