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Here are the Top 10 Most Used P2P Lending Apps in Indonesia: Who's Number One?

Cindy Mutia Annur 24/10/2023 12:22 WIB

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According to the latest Populix survey, Akulaku is the most widely used online lending fintech app in Indonesia.

Top 10 Most Used Peer-to-Peer Lending Apps/Services by Respondents (September 2023)

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Top 10 Most Used Peer-to-Peer Lending Apps/Services by Respondents (September 2023)

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According to a Populix survey titled *Unveiling Indonesia’s Financial Evolution: Fintech Lending and Paylater Adoption*, Akulaku is the most widely used online lending (pinjol) application among Indonesian consumers.

Forty-six percent of respondents reported using the Akulaku application.

Kredivo ranked second, used by 43% of respondents. EasyCash and AdaKami occupied third and fourth place with 18% each.

Thirteen percent of respondents used Shopee's Spinjam application.

"Spinjam secured fifth place in fintech lending brand usage, possibly due to its connection with e-commerce activities," Populix stated in its report.

Furthermore, 12% of respondents used Findaya, followed by users of the Indodana (11%), Mekar (4%), Investree (3%), Danacita (2%), and Amartha (2%) online lending applications.

The Populix survey also found that the majority of online lending app users borrow less than once a month (66%), followed by once a month (21%), and two to three times a month (13%).

In terms of value, the majority, or 66%, of respondents borrowed less than Rp1 million, followed by Rp2 million-Rp3 million (24%), Rp3 million-Rp4 million (5%), Rp4 million-Rp5 million (3%), and over Rp5 million (3%).

This survey was conducted from September 15-18, 2023, involving 420 respondents who use online lending applications from a total of 1,017 respondents representing the entire Indonesian demographic. The respondents were predominantly female (51%), with males comprising 49%.

The majority of respondents were from Java (79%), followed by Sumatra (12%), and other islands (9%). Respondents were aged 17-55 years, dominated by the 17-25 age group (55%), followed by the 26-35 age group (31%).

The respondents included employees (56%), students (21%), entrepreneurs (11%), housewives (6%), and others (6%).

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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