Reasons Indonesians Use Online Loans: Majority for Installment Purchases

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Nabilah Muhamad 08/08/2025 11:01 WIB

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According to an APJII survey, 8.21% of the Indonesian population will use online loans in 2025. The majority will use them to pay installments for goods.

Reasons Indonesians Use Online Loans (2025)

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Reasons Indonesians Use Online Loans (2025)

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According to a survey by the Indonesian Internet Service Providers Association (APJII), 8.21% of the Indonesian population used online loan services in 2025.

Reasons varied, ranging from installment purchases without credit cards, meeting urgent needs, paying bills, to business capital.

Here is a complete list of reasons why Indonesians used online loan in 2025, according to the APJII survey:

* Buying goods in installments without a credit card: 23.02%

* Meeting urgent needs (such as medical expenses and debts): 21.77%

* Daily necessities shopping: 17.73%

* Availability of discounts or promotions offered by pinjol services: 12.13%

* Easy application process: 9.33%

* Paying bills (electricity, water, etc.): 7.62%

* Lack of access to conventional loan services: 3.42%

* Meeting lifestyle needs (holidays, entertainment): 2.18%

* Business capital: 1.87%

* Other: 0.93%

In 2025, most online loan users in Indonesia had monthly expenditures between Rp 2.5 million and Rp 3.5 million, with a proportion of 21.44%.

Meanwhile, users with expenditures above Rp 6 million per month had the lowest proportion, at only 2.47%.

This APJII survey involved 8,700 respondents aged at least 13 years, proportionally distributed across 38 Indonesian provinces. The sample was selected using multistage random sampling.

Data collection was conducted from April 10 to July 16, 2025, using face-to-face interviews, with a margin of error of approximately 1.1%.

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."