Digital Loans Get Easier, Debt Must Be Measured
The ease of obtaining loans through digital platforms provides the public with a new alternative to meet financial needs. However, increasingly practical access must be balanced with prudence in determining needs, calculating repayment capacity, and maintaining cash flow. The Financial Services Authority (OJK) recorded outstanding fintech lending value of Rp105.14 trillion as of June 2026. This figure shows the growing role of digital funding services in public financial activity.
Amid this growth, the public’s ability to make financial decisions has become a concern. The issue is not only about how much funding is available to borrow, but also whether the amount is truly needed and can be repaid without disrupting day-to-day finances.
Therefore, the principle of responsible borrowing is becoming increasingly important. The ease of digital loan application processes needs to be accompanied by an understanding of needs and the consequences of the obligations that arise. One industry player championing this approach is Kredit Pintar through its ‘Teman Atur Uang’ concept.
This idea positions financial management as part of the entire funding process, from the moment someone considers their needs until they fulfil their obligations. Kredit Pintar President Director Ronny Kasim said that access to financing should not stop at providing funds, but should also help the public make decisions that suit their financial conditions.
‘Providing access to financing is one part of our role. However, a greater role is helping the public understand when they need funding, determining an amount that matches their capacity, and maintaining control until their obligations are met. This is what we mean by Kredit Pintar as Teman Atur Uang,’ said Ronny, quoted on Sunday (23/8).
The approach is implemented through three principles that describe the user’s journey in managing funding: Jaga Cash Flow, Pahami & Pilih, and Tetap Terkontrol.
The Jaga Cash Flow principle emphasises the importance of matching the funding amount to both needs and financial capacity. Meanwhile, Pahami & Pilih directs users to scrutinise information and consequences before selecting a funding product.
Tetap Terkontrol focuses on the user’s ability to maintain management of obligations until the entire loan is settled. All three form part of the implementation of responsible lending, so that industry growth is not measured solely by the amount of financing disbursed. The quality of growth also relates to the accuracy of funding provision and the user’s ability to maintain control over their finances.
Discussions on responsible loan management also came to the fore at Fintech Lending Days 2026, held by the Indonesian Fintech Lending Association (AFPI) on 20–21 August 2026 in Denpasar, Bali. In a discussion on 21 August, Kredit Pintar Head of Business and Operations Irgo Bachtiar said that expanding access to financing should not come at the expense of credit quality.
‘Expanding access to financing does not mean lowering credit quality. We actually use data and technology to better understand the conditions and capacity of each customer, so that funding can be provided more accurately. At the same time, responsible lending also means providing responsible treatment, including through a more relevant and empathetic collection approach,’ said Irgo.
According to him, the amount disbursed is not the only indicator for assessing business development. Another aspect that needs attention is how the company maintains financing quality while helping users manage their obligations.
‘Therefore, responsible borrowing does not stop at the decision when someone takes out funding, but covers the entire user journey, from understanding needs and capacity before funding to settling their obligations,’ he continued.
In this context, transparency of information is an important part. Users need to receive easy-to-understand explanations regarding costs, tenor, payment amounts, due dates, and the total obligation to be repaid. With this information, the public can consider the consequences of a loan before making a decision and adjust it to their respective financial capacity.
Fintech Lending Days 2026 served as a forum bringing together industry players, regulators, and various parties in the digital funding ecosystem. Business development was one of the topics discussed, along with the industry’s responsibility to provide benefits to the public.
Ronny believes the direction of digital funding development cannot be seen solely from the ease with which the public obtains financing.
‘The future of digital funding is not only about how easily someone gains access to financing. The industry’s future is also determined by how well we help the public understand their financial decisions, borrow according to their capacity, and remain in control until their obligations are met. This is a responsibility we need to build together as an industry,’ said Ronny.
Through the Teman Atur Uang concept, the approach offered is directed so that the public not only has access to financing, but is also able to make financial decisions in a more measured way. Access, understanding, and control are positioned as interconnected elements. Kredit Pintar itself has recorded more than 36 million downloads. The platform has a rating of 4.3 on Google Play Store and 4.4 on Apple App Store, with more than two million user reviews in Indonesia.
Throughout 2025, disbursement