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Taking a Deeper Look on Fintech Lending - Digital Bank Collaboration

Indonesia's peer-to-peer (P2P) lending industry is improving towards a better environment and now a collaboration with digital banks is on the rise.
Asteria Desi Kartika Sari
Asteria Desi Kartika Sari -
18 Januari 2022 | 18:06 WIB, JAKARTA – Indonesia fintech peer-to-peer (P2P) lending startups have been shrinking since 2021 as the regulators keep improving toward a better environment.

The Financial Services Authority (OJK) revealed that licensed P2P fintech operators were reduced to only 103 companies through January 3, 2022, from 148 registered and licensed platforms in 2020.

The most recent business leaving the industry was PT Kas Wagon Indonesia, which canceled its register certificate as it did not meet the provision in Article 10 of Financial Services Authority (OJK) Regulation No.77/2016 on Information Technology-Based Lending and Borrowing Services.

Kas Wagon's withdrawal from the industry followed other former platforms which had their registered status revoked for not meeting the provisions.

Nevertheless, lending disbursement in the industry topped Rp 12.97 trillion through November 2021, a 50.98 percent increase from a year earlier. This amount was channeled to 12.67 million borrowers. A total of 63.2 percent of them or around Rp. 8.2 trillion went to micro, small, and medium enterprises (MSMEs).

Executive Director of the Indonesian Joint Funding Fintech Association or AFPI, Kuseryansyah, said that although the players had dwindled since last year, all fintech lending providers are currently licensed.

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