AFTECH Records About 40 Percent of Active Online Loan Customers Are MSME Players

The Indonesian Fintech Association (AFTECH) Secretary-General Firlie Ganinduto stated that 38-40 percent of active online lending (pindar) customers are MSME players obtaining funding for the first time, demonstrating the tangible contribution of online lending to the people’s economy. AFTECH records that since pindar began operating in 2015 until December 2025, more than 169 million active borrowers have received financing with a total value of Rp1.39 quadrillion. “Pindar is a bridge for millions of people, who previously had no banking track record and can now obtain capital to grow,” said Firlie Ganinduto in an official statement received in Jakarta on Thursday. He said pindar is one solution for many people who have not been able to access banking services to increase capital, purchase trading stock, and fund their children’s education. He also appreciated customers who have fulfilled their obligations properly and without issues. AFTECH notes that more than 90 percent of borrowers pay on time according to the agreement. Firlie stated that the association currently oversees nine active pindar operators, namely Easycash, Samir, AdaKami, Amartha, Julo, Indosaku, PinjamDuit, LumbungDana and Danai. All these pindar operators are encouraged to proactively publish data on the financing impact of their respective platforms, including repayment rates, the number of MSMEs funded, and collection audit reports, as a form of transparency to the public. AFTECH also actively ensures that all its members operate based on strict governance standards, are transparent regarding fees and interest from the start of the agreement, and have standardised consumer protection mechanisms accessible to the public. “Trust is the sole foundation enabling this industry to continue growing and remain relevant. AFTECH is not present merely as an administrative association. We are an active partner for every member in building that trust, with users, regulators, and the wider community,” said Firlie.