Why Banks Are the Dominant Lender in ‘Pinjol’ Industry

Why Banks Are the Dominant Lender in ‘Pinjol’ Industry

Banks are becoming more rooted in online lending thanks to its more profitable and cost efficient channeling.

user-profile

Senin, 26 Mei 2025 | 22:00

Bisnis.com, MANGUPURA — Banks are increasingly reliant on online lending or pinjol to disburse credit, as evidenced with banks’ dominant contribution for peer-to-peer (P2P) lending providers. Online lending’s increasing popularity among banks is primarily due to its more profitable and cost efficient channeling.

Data shows that outstanding loans from local banks to fintech P2P firms surged 55.7% year-on-year (YoY) to IDR 49.40 trillion in February, accounting for 72.9% of total domestic lender outstanding of IDR 67.73 trillion, and 61.75% of total outstanding online loans.

Bacaanmu terbatas?

Tenang, kamu hanya perlu Masuk atau Daftar dulu di sini untuk lanjut membaca Bisnis Indonesia Premium.

Nikmati Gratis Akses baca 5 artikel Bisnis Indonesia Premium bagi member baru!

atau langsung pilih paket terbaik kami:

banner-promo

faq

berita lainnya

To Top