Jakarta, Indonesia - The fintech lending or online lending (pindar)\nindustry in Indonesia continues to show growth from year to year. Data\nfrom the Financial Services Authority (OJK) records outstanding loan\nvalues reaching Rp98.54 trillion as of January 2026, growing 25.52%\nyear-on-year.<\/p>\n
Alongside the industry\u2019s growth, various fintech companies continue\nto strengthen their business fundamentals, particularly in risk\nmanagement and credit quality. PT JULO Teknologi Finansial (JULO) has\nrevealed several strategies implemented to maintain healthy development\nin 2026.<\/p>\n
\u201cWe see there is still much room for growth in this industry.\nHowever, moving forward, credit quality will be a key factor. Therefore,\nwe continue to refine our underwriting process to ensure appropriate and\nsustainable credit disbursement,\u201d said Harri Suhendra, President\nDirector of JULO.<\/p>\n
In January 2026, JULO recorded a 90-day Repayment Success Rate\n(TKB90) of 99%, reflecting maintained credit quality amid increased\nfinancing disbursement. JULO also consistently fulfils reporting\nobligations to the Financial Information Service System (SLIK) as part\nof its commitment to transparency and governance.<\/p>\n
As a digital credit platform, JULO continues to expand its service\nreach to communities across Indonesia. Up to 2025, the JULO app has been\ndownloaded more than 25.6 million times on the Google Play Store and App\nStore.<\/p>\n
Along with this growth, JULO continues to enhance various literacy\nprogrammes periodically, as well as various promotions to encourage\nresponsible credit usage. With this approach, JULO has successfully\nmaintained a balance between growth and credit quality, while supporting\nthe development of a healthy and responsible digital financing ecosystem\nin Indonesia.<\/p>\n
Andri S., a loyal JULO user since 2020, shared his experience using\nfunding to improve quality of life. \u201cI signed up for JULO when I wanted\nto start a small business. I used the limit to find clothing suppliers,\nbuy a domain, and create attractive packaging. Within about six months,\nmy business grew. Now I have a small office and have started exporting\nabroad.\u201d<\/p>\n
As a homegrown digital credit platform licensed and supervised by the\nOJK, JULO has been trusted by more than 3.29 million users across\nIndonesia, from Aceh to Papua, with more than 25% of loans disbursed\noutside Java. More than Rp27 trillion has been disbursed for business\ncapital, education and health costs, to household needs. JULO offers\nlimits up to Rp50 million with flexible tenors up to 12 months and\ncompetitive interest rates in accordance with OJK regulations.<\/p>\n
The JULO app can be downloaded for free on the Google Play Store and\nApp Store. New users can get a cashback of Rp50,000 on their first\ntransaction if they register with the referral code MELESAT.<\/p>\n
About JULO<\/p>\n
JULO is an innovative homegrown financial technology company\ncommitted to providing digital credit access solutions via smartphone\napps to the people of Indonesia. Easy and affordable credit access will\nhelp the community become more empowered in meeting financial needs,\nimproving quality of life, increasing productivity, and driving the\ncountry\u2019s economic circulation. JULO is also one of the first financial\ntechnology companies to provide a national digital-based credit\nunderwriting process and risk assessment platform to process consumer\ncredit applications and determine creditworthiness through smartphone\napps.<\/p>\n
Founded at the end of 2016, JULO loans are now accessible throughout\nIndonesia. The company is based in Jakarta and supported by leading\nventure capital firms including Credit Saison, Skystar Capital, Saratoga\nInvestama, East Ventures, Quona Capital, Central Capital Ventura, MDI\nVentures, and Gobi Partners. JULO officially holds a business licence\nfor service providers in accordance with OJK letter number\nKEP-16\/D.05\/2020 dated 19 May 2020. Since entering the peer-to-peer\nlending industry in the country, JULO has secured various funding\nrounds, namely Series A funding of US$10 million in 2018 and Series B\nfunding of US$80 million in 2022. This funding has opened opportunities\nfor JULO to continue growing and providing practical and accessible\ndigital credit services to all Indonesian people.<\/p>\n
JULO has been downloaded more than 25.6 million times and has\ndisbursed digital credit to more than 3 million customers across\nIndonesia. JULO has won several awards through its commitment to social\ndevelopment, business ecosystem, and business landscape, such as Winner\nof Indonesia Fintech Festival (2016), Winner of UN Fintech Challenge\n(2018), Winner of Inclusive Fintech 50 (2019), Financial Inclusion of\nthe Year & Consumer Lending Product of the Year from Asian Banking\nand Finance Retail Banking Awards 2024, and Asia FinTech Awards\n2024.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/fintech-lending-industry-grows-rapidly-julo-strengthens-credit-quality-1774536678", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }