Indonesia’s fintech lending sector continues to grow. Data from the Financial Services Authority (OJK) shows outstanding peer-to-peer (P2P) loans reached IDR 98.54 trillion as of January 2026, up 25.52% year-on-year.
Fintech firms are focusing on risk management and credit quality. JULO highlighted its approach for sustainable growth.
“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 reported a 90-day repayment success rate (TKB90) of 99%. The company also submits regular reports to the Financial Information Service System (SLIK).
JULO has been downloaded more than 25 million times across Indonesia. The platform has served over 3.29 million users, with more than 25% of loans distributed outside Java.
To date, it has disbursed over IDR 27 trillion for business, education, healthcare, and household purposes, offering credit limits of up to IDR 50 million with tenors of up to 12 months in line with OJK regulations.
Featured image credit: JULO press release
