{
    "success": true,
    "data": {
        "id": 1661709,
        "msgid": "kredivo-sees-surge-in-usage-during-ramadan-and-eid-1775602290",
        "date": "2026-04-07 18:07:00",
        "title": "Kredivo Sees Surge in Usage During Ramadan and Eid",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Finance",
        "summary": "Kredivo's PayLater service experienced a 27% increase in transaction volume and 26% in value during Ramadan and Eid 2026 compared to the previous year, driven by a 31% rise in new users and heightened seasonal consumption. Users increasingly opted for one-month tenors to manage short-term expenses strategically, with average transaction values between Rp800,000 and Rp1.5 million and groceries category surging by 160%. The growth was particularly strong in tier 2 and 3 regions outside Jabodetabek, reflecting broader adoption of financial tools for daily needs, as Kredivo commits to responsible lending and financial education for sustainable impact.",
        "content": "<p>The Ramadan period has once again driven an increase in consumer\nactivity, reflected in the 27% growth in PayLater transaction volume and\n26% in transaction value for Kredivo during Ramadan and Eid 2026\ncompared to the same period the previous year.<\/p>\n<p>This growth was further supported by a 31% increase in new users,\nindicating wider adoption of the service as a cash flow management\nsolution amid rising seasonal needs.<\/p>\n<p>Amid this growth, PayLater usage patterns also showed a more targeted\nshift. The dominance of one-month tenors indicates that the service is\nincreasingly used as a tool to manage short-term needs more measurably,\nespecially ahead of payday and THR (holiday allowance) payouts.<\/p>\n<p>Kredivo Senior Vice President of Marketing and Communications, Indina\nAndamari, noted that what is interesting about this year\u2019s Ramadan is\nnot just the transaction growth, but how society is beginning to manage\nspending more strategically.<\/p>\n<p>\u201cWe see PayLater being used before payday and THR, with one-month\ntenors as the primary choice to keep expenses in check, especially since\nKredivo offers zero interest and admin fees for this tenor,\u201d she said on\nTuesday, 7 April 2026.<\/p>\n<p>In line with this trend, the average transaction value per user is in\nthe range of Rp800,000 - Rp1.5 million, with an average of 4\u20135\ntransactions per user.<\/p>\n<p>This shows that PayLater is widely used to meet priority needs\ngradually, not just for large-value transactions, but also for recurring\ndaily needs.<\/p>\n<p>This is also evident from the 160% growth in transaction volume in\nthe groceries category compared to last year\u2019s Ramadan period. This\ngrowth was also strong in PayLater transactions at offline merchants,\nparticularly outside Jabodetabek.<\/p>\n<p>During Ramadan 2026, transaction volume in tier 2 and 3 regions\nincreased by up to 31%, while transaction value rose 67%, reflecting the\nincreasing integration of PayLater into daily shopping activities in\nregional areas.<\/p>\n<p>\u201cGoing forward, we will continue to drive healthy growth through\nmeasured expansion, strengthened risk management, implementation of\nresponsible lending principles, and financial education. The goal is for\nPayLater not only to facilitate, but also to provide sustainable impact\nfor users and the ecosystem,\u201d Indina stated.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/kredivo-sees-surge-in-usage-during-ramadan-and-eid-1775602290",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}