Women's Repayment Performance on Online Peer-to-Peer Lending is Better Than Men's

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Cindy Mutia Annur 22/09/2023 18:30 WIB

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According to data from the Financial Services Authority (OJK), the quality of debt repayment from women is better than that of men.

Proportion of Active Peer-to-Peer Lending Users in Indonesia by Gender and Loan Quality (July 2023)

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Proportion of Active Peer-to-Peer Lending Users in Indonesia by Gender and Loan Quality (July 2023)

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According to data from the Financial Services Authority (OJK), there were approximately 20.35 million active individual entities/accounts receiving online loans (pinjol) throughout Indonesia as of July 2023.

The majority, or 10.24 million entities, were male, with a total outstanding loan value of Rp22.64 trillion.

Another 10.10 million entities were female, with a total outstanding loan value of Rp27.47 trillion.

Although the accumulated online loan debt of women is higher, their payment quality tends to be better than that of men.

Of all female online loan users, the proportion of entities with performing loans reached 85.11%. The proportion of men with performing loans was lower, at 79.17%.

Furthermore, the proportion of male online loan users with non-performing loans reached 17.1%, while for women it was only 11.65%.

Similarly, in the category of non-performing loans (NPLs), 3.73% of male online loan users fell into this category, while the figure for women was slightly lower at 3.24%.

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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Women's Repayment Performance on Online Peer-to-Peer Lending is Better Than Men's

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