JULO Strengthens Financial Literacy, Partners with Ringkas for KPR Take-Over Education
Jakarta, Indonesia – PT JULO Teknologi Finansial (JULO) continues to strengthen its role in advancing financial literacy across Indonesia. Through its NGOPLING (Ngobrol Penting – Important Conversation) education programme, JULO has partnered with Ringkas to share insights and knowledge regarding home mortgages (Kredit Pemilikan Rumah/KPR).
KPR represents one of the most significant financial decisions for Indonesian households, and therefore requires adequate financial literacy to ensure credit is managed sustainably and responsibly. Data from the National Survey of Financial Literacy and Inclusion (SNLIK) by the Financial Services Authority (OJK) reveals that Indonesia’s financial literacy index remains at approximately 66%. Furthermore, financial inclusion levels in rural areas lag at 59.6%.
In response to this need, JULO has conducted online literacy activities reaching participants across diverse regions, from West Java to North Sumatra. Held in February 2026 under the theme “Latest KPR Guidelines: Tips for Obtaining Lighter Instalments, Secure Finances”, JULO and Ringkas provided comprehensive understanding of how KPR works, associated risks and long-term interest calculations, and strategies for maintaining affordable instalments through KPR take-over schemes.
During the education session, participants were equipped with practical KPR and KPR take-over simulations tailored to current market conditions. “When paying off a mortgage, don’t worry when entering the floating rate phase. There’s a solution to return to the initial interest rate through KPR take-over. This can be a strategy to adjust instalments to keep your financial situation healthy,” said Devie Fibtarica, Business Development and Mortgage Strategist at Ringkas, who served as a speaker at the event.
Poppy Rosari, Brand Manager at JULO, emphasised the importance of literacy in responsible credit management. “As a fintech with a mission to improve the welfare of Indonesians, literacy regarding long-term credit management such as KPR is extremely important. Through this collaboration, JULO alongside Ringkas not only provides education but also added value for users, including an appreciation programme offering the opportunity to win an umrah pilgrimage for users who apply for KPR.”
One participant, Andi R. from Ciamis, West Java, stated that the material was highly relevant to his needs. “The topic aligns with my plan to apply for a mortgage while maintaining instalments within my financial capacity. The material was easy to understand, and I hope JULO will hold similar events in the future with longer duration,” he said.
As an OJK-licensed and supervised fintech lending company, JULO is committed to continuously delivering safe and responsible digital financial services while actively promoting financial literacy through cross-ecosystem collaborations. These efforts are expected to help Indonesians not only gain access to funding but also maintain financial sustainability for improved welfare.
As a homegrown digital credit platform, JULO has been trusted by more than 3.27 million users across Indonesia, with total credit disbursement reaching Rp27 trillion, used for business capital, education and healthcare costs, and household needs. JULO offers limits up to Rp50 million with flexible terms up to 12 months and competitive interest rates. Through continuous education and data-driven risk management, JULO has maintained a 90-day payment success rate of 99% as of January 2026.
About JULO
JULO is an innovative fintech company committed to providing easy and affordable smartphone-based digital credit solutions to Indonesians. Accessible credit helps citizens meet their financial needs, improve quality of life, increase productivity and drive national economic circulation. JULO is among the first fintech companies to offer nationwide digital credit underwriting processes and risk assessment platforms for consumer loan applications via smartphone.
Founded in late 2016, JULO loans are now accessible across Indonesia. The Jakarta-based company is backed by leading venture capital firms including Credit Saison, Skystar Capital, Saratoga Investama, East Ventures, Quona Capital, Central Capital Ventura, MDI Ventures and Gobi Partners. JULO received official licensing under OJK letter KEP-16/D.05/2020 on 19 May 2020. Since entering the peer-to-peer lending sector, JULO has secured Series A funding of US$10 million in 2018 and Series B funding of US$80 million in 2022, enabling continued growth and accessible digital credit services nationwide.
JULO has been downloaded by more than 10 million users and has disbursed credit to over 3 million customers across Indonesia. The company has won several awards reflecting its commitment to social development, business ecosystem and landscape, including Winner at Indonesia Fintech Festival (2016), Winner of UN Fintech Challenge (2018), Inclusive Fintech 50 Winner (2019), Financial Inclusion of the Year and Consumer Lending Product of the Year from Asian Banking and Finance Retail Banking Awards 2024, and Asia FinTech Awards 2024.