Indonesia's COVID-19 Vaccination and Economic Resilience Strategy
Manageable NPL within Fintech Intermediation
Peer to Peer Lending (P2PL) Fintech intermediation grows with a manageable NPL ratio and Securities Crowdfunding fundraising continues to rise.
LOAN
The outstanding loan of P2PL Fintech continued to increase and stood at
IDR49.34 Tn or grew by 76.8% (yoy) as of October 2022.
IDR Tn
60
50
40
30
32
20
10
10
0
Jan-19
Apr-19
Jul-19
Oct-19
Outstanding Loan
YOY
10%
Growth
200%
49.34
8%
150%
6%
100%
76.80%
50%
4%
0%
2%
-50%
0%
-100%
Apr-21
Jul-21
Oct-21
Jan-22
Apr-22
Jul-22
Oct-22
In October 2022, the Non-Performing Loan ratio of P2PL Fintech
remained manageable at 2.90%.
Dec-19
Feb-20
Apr-20
Jun-20
Aug-20
Oct-20
Peer to Peer NPL Ratio
2.90%
Dec-20
Feb-21
Apr-21
Jun-21
Aug-21
Oct-21
Dec-21
Feb-22
Apr-22
Jun-22
Aug-22
Oct-22
The total number of investors and issuers in Securities Crowdfunding increased
and stood at 129,958 and 314, respectively, as of November 2022.
Number of Investors
Number of Issuers
Continuing the positive trend, the total value of SCF fundraising stood at
IDR661.32 billion as of November 2022.
■Total Fundraising
140,000
700
120,000
600
661.32
413.19
100,000
129,958
500
80,000
400
60,000
93,777
300
184.90
40,000
1,380
5,063
51,414
200
20,000
64.15
314
14
49
127
195
100
0
6.47
2018
2019
2020
2021
2022
0
2018
2019
2020
2021
2022
Source: Financial Service Authority (OJK)
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