Indonesia’s P2P Lending Grows 25%, Julo Strengthens Credit Quality

● As a homegrown digital credit platform licensed and supervised by OJK, Julo has been trusted by more than 3.29 million users across Indonesia.

● “We see significant room for growth in this industry. However, going forward, credit quality will be a key factor.”

Jakarta, TechnoBusiness ID ● Indonesia’s fintech lending (P2P lending) industry continues to demonstrate strong growth. Data from the Financial Services Authority (OJK) shows that outstanding loans from fintech lending reached IDR 98.54 trillion as of January 2026, growing 25.52% year-on-year.

Amid this growth, fintech players are increasingly strengthening their business fundamentals, including risk management and credit quality. PT Julo Teknologi Finansial (Julo) outlines several strategies to support sustainable growth in 2026.

“We see significant room for growth in this industry. However, going forward, credit quality will be a key factor. That is why we continue to enhance our underwriting processes to establish more targeted and sustainable lending,” said Harri Suhendra, President Director of Julo.

As of January 2026, Julo recorded a 90-day repayment success rate (TKB90) of 99%, reflecting stable credit quality amid increasing loan disbursement. The company also consistently fulfills its reporting obligations to the Financial Information Service System (SLIK) as part of its commitment to transparency and good governance.

Julo continues to expand its reach across Indonesia. As of 2025, the Julo application has been downloaded more than 25 million times on the Google Play Store and App Store.

In line with this growth, Julo continues to strengthen its financial literacy programs while introducing various initiatives to encourage responsible credit usage. Through this approach, the company maintains a balance between growth and credit quality, while supporting the development of a healthy and responsible digital financing ecosystem in Indonesia.

Andri S., a long-time Julo user since 2020, shared his experience in using financing to improve his quality of life. “I signed up for Julo when I was starting a small business. I used the credit limit to find clothing suppliers, purchase a domain, and develop product packaging. Within about six months, my business grew. Now, I have a small office and have started exporting overseas,” he said.

As a homegrown digital credit platform licensed and supervised by OJK, Julo has been trusted by more than 3.29 million users across Indonesia, from Aceh to Papua, with over 25% of loan disbursements distributed outside Java.

To date, the company has disbursed more than IDR27 trillion for various needs, including business capital, education, healthcare, and household expenses. Julo offers credit limits of up to IDR 50 million with flexible tenors of up to 12 months and competitive interest rates in line with OJK regulations.●

PURJONO AGUS SUHENDRO/TechnoBusiness ID