Top 10 Indonesian Provinces with the Highest Outstanding Peer-to-Peer Lending Debt at the End of 2023: Which Region Ranks First?

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Cindy Mutia Annur 01/03/2024 17:04 WIB

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According to the Financial Services Authority (OJK) report, West Java had the highest national outstanding peer-to-peer lending (pinjol) debt in December 2023, reaching Rp16.59 trillion.

Top 10 Indonesian Provinces with the Highest Outstanding Peer-to-Peer Lending Debt (December 2023)

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Top 10 Indonesian Provinces with the Highest Outstanding Peer-to-Peer Lending Debt (December 2023)

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According to a report by the Financial Services Authority (OJK), as of December 2023, there were approximately 18.07 million online loan (pinjol) recipients throughout Indonesia.

These borrowers had a total outstanding loan value of Rp59.64 trillion.

Nationally, the largest online loan borrowers as of December 2023 were from West Java, reaching Rp16.59 trillion. This is equivalent to 27.82% of the total national online loan debt at the end of last year.

DKI Jakarta ranked second with the largest online loan borrowers, amounting to Rp11.24 trillion, or 18.85% of the total national online loan debt.

Other provinces with significant online loan debt at the national level include East Java, Banten, Central Java, North Sumatra, South Sulawesi, South Sumatra, Bali, and Lampung, as shown in the graph above.

Meanwhile, West Papua had the lowest online loan debt nationally in December 2023, at only Rp54.78 billion. This was followed by North Maluku and North Kalimantan with online loan debts of Rp67.57 billion and Rp68.51 billion, respectively.

Here's a breakdown of the top 10 provinces with the highest outstanding online loan values in Indonesia as of December 2023:

1. West Java: Rp 16.59 trillion
2. DKI Jakarta: Rp 11.24 trillion
3. East Java: Rp 7.41 trillion
4. Banten: Rp 5.02 trillion
5. Central Java: Rp 4.64 trillion
6. North Sumatra: Rp 1.74 trillion
7. South Sulawesi: Rp 1.18 trillion
8. South Sumatra: Rp 1.08 trillion
9. Bali: Rp 934.5 billion
10. Lampung: Rp 918.17 billion

Throughout December 2023, Indonesian online loan users cumulatively had a 90-day repayment rate (TKB90) of 97.07%. This means that approximately 97 out of 100 online loan users successfully repaid their debts within 90 days of the due date.

Meanwhile, the proportion of 90-day default rates (TWP90) was only 2.93%. This means that about 3 out of 100 online loan users failed to repay their debts within 90 days of the due date.

Editor : Padjar Iswara

"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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