Layanan pinjaman online (pinjol) dari perusahaan fintech peer to peer lending, masih diminati oleh masyarakat. Hal itu ditunjukkan oleh nilai pinjaman yang masih menunjukkan peningkatan dalam kurun waktu setahun terakhir.
Faktor kepraktisan, tanpa agunan, pengajuan dan persyaratan yang mudah, kecepatan pencairan dana, serta jumlah pinjaman yang bisa diatur oleh peminjam, menjadi alasan mengapa pinjaman online hingga saat ini masih diminati oleh masyarakat, meskipun dengan sejumlah risiko yang membayangi termasuk kredit macet.
Di sisi lain, Otoritas Jasa Keuangan mengingatkan masyarakat harus berhati-hati sebelum melakukan peminjaman dari aplikasi online, mengingat saat ini banyak aplikasi pinjol yang ilegal dan tidak terdaftar di OJK.
Faktor kepraktisan, tanpa agunan, pengajuan dan persyaratan yang mudah, kecepatan pencairan dana, serta jumlah pinjaman yang bisa diatur oleh peminjam, menjadi alasan mengapa pinjaman online hingga saat ini masih diminati oleh masyarakat, meskipun dengan sejumlah risiko yang membayangi termasuk kredit macet.
Di sisi lain, Otoritas Jasa Keuangan mengingatkan masyarakat harus berhati-hati sebelum melakukan peminjaman dari aplikasi online, mengingat saat ini banyak aplikasi pinjol yang ilegal dan tidak terdaftar di OJK.
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TVTranscript
00:00Indonesia's FinTech industry is showing improvement, especially in the bottom line in April 2024.
00:15The financial services authorities also hope that the FinTech industry can continue to grow this year.
00:20The FinTech industry peer-to-peer lending, or more commonly known as online loan service,
00:30re-printed a clean sheet in April 2024, after previously in the first three months of this year still recorded clean losses.
00:37The executive head of the Ventura Capital Company Financing Agency, the Microfinance Agency, and other financial services agencies,
00:45Agusman Financial Services Authority, recently said based on OJK data, the FinTech lending industry aggregated
00:52recorded a clean sheet after paying 172.84 billion rupiah in April 2024.
00:59While in March 2024, the FinTech lending industry still recorded losses of 27.32 billion rupiah.
01:07Nevertheless, the clean sheet of the FinTech lending industry in April 2024 is still lower by 40.28% than in April 2023,
01:15which recorded a loss of 289.46 billion rupiah.
01:20A number of analysts evaluate the negative energy of the FinTech lending company in the early period of this year,
01:25regardless of the adaptation carried out by the industry to the implementation of the Financial Services Authority's
01:30Initiative No. 19 in 2023 on the subsidization of financing services together based on information technology.
01:37This regulation makes subsidiaries need to make business and operational adjustments, both internally and in service to users.
01:44Nevertheless, OJK hopes that the FinTech lending industry can continue to grow this year.
01:49Distributed by IDEC Channel
01:56Good morning, Pak Heru.
02:09Good morning, Mas Pras. How are you?
02:11I'm fine, Pak Heru. Thank you.
02:13Good morning, Pak Heru. How are you?
02:15I'm fine, Pak Heru.
02:16Let's talk about the development of the digital economy.
02:20There was a peer-to-peer lending, which we know has been quite massive lately.
02:25Can you update us on the current condition of the development of the digital economy in Indonesia?
02:31Please, Pak Heru.
02:32The development of the digital economy in Indonesia is still quite interesting.
02:37Because the baseline of digitalization in Indonesia is quite good.
02:42Our phone users reach 353 million, which means one person can have two or three phones.
02:49Our internet users are still growing, up to 220 million at the moment.
02:54So, with the Indonesian people who are no longer unfamiliar with using digital technology,
03:01all sectors and industries are also moving.
03:05Because on the one hand, with the development of digital technology,
03:09it also makes it easier in terms of transactions, payment, accounting,
03:14including to get loans.
03:18You can imagine, when we used to talk about the era before digital,
03:24all the financing, all the lending was given by banks.
03:32What we also know is that it's not easy to get loans from banks.
03:38It has to be done in various ways, with a long process and a large budget.
03:43Meanwhile, with the development of digital technology, it is also easier.
03:48Even now, it doesn't even take 10 minutes to get a loan.
03:52On the one hand, this development should also have an impact on the community
04:00to facilitate business, to get more productive things.
04:06I see that the Indonesian digital economy will continue to grow,
04:12because the potential is still very large.
04:15So we do hope that there will be things that will improve the national economy overall in the future.
04:25Mr. Heru, what about the fintech peer-to-peer lending industry?
04:30Because this is one of the solutions for people who want to start a non-bankable business.
04:36It can be said that it is not affordable with conventional bank conditions.
04:41Meanwhile, with the presence of fintech peer-to-peer lending,
04:44can it really be a solution or just the opposite if there is a review?
04:50Yes, indeed, peer-to-peer lending, or maybe after we have stepped in,
04:55in a connotation that may be somewhat positive, there is also a challenge related to stepping in.
05:01That peer-to-peer lending in Indonesia, the need or demand is also quite high.
05:07If we talk conservatively, traditionally we lend to banks,
05:13there must be a stake, say 100 million, the stake is probably more than 100 million.
05:19And the process is also long, right?
05:21So in the era of digitalization development like now, it's not suitable anymore.
05:27So indeed, when we have peer-to-peer lending, this offers something new.
05:34Everything is digital, then the process is also not bleeding compared to the conventional one.
05:41This, of course, can also support the development of our business, then also our needs.
05:48Although, on the other hand, we also have to be aware that there is also a potential,
05:55for example, a failure to pay is quite increasing.
05:59Then, for example, the use of pinjols for other things outside of productive things.
06:06We are more and more conservative now.
06:08Then, the latest development is also quite interesting, for example, using online gambling.
06:14But if we look at what was said earlier, based on the report,
06:19indeed, peer-to-peer lending in the first quarter,
06:25the industry losses were still high.
06:29Now it has started to rebound.
06:32Then, at the end of last year, in December, it was around Rp483 billion.
06:37There is still a profit, then in January, the losses fell,
06:41February, March, April, it has started to rebound again,
06:44at Rp173 billion, so the direction may be positive.
06:51But indeed, there must be notes,
06:54so that peer-to-peer lending can be used for more productive things.
07:01Because if it is consumptive, it will also affect the community to pay.
07:07Then, of course, when we talk about the desire to pay is difficult,
07:12it also means that the level of failure to pay will also increase.
07:17Because based on the report, until April 2024,
07:22those who are still not outstanding, those who have not been paid,
07:25are around Rp62.738 trillion.
07:29Mr. Heru, if you look at how big is the need of the community
07:34to use peer-to-peer lending online,
07:38I remember earlier, the understanding of the literature itself,
07:41is it enough to accommodate it?
07:43Thus, a high level of wisdom is needed,
07:47apparently when we use this online lending service.
07:51Yes, it is true that our wisdom in terms of using
07:55or obtaining online lending is what is expected.
08:00Because we have to think that with the development of digitalization,
08:05of course, this is an ease compared to conventional methods.
08:11But on the other hand, we also have to be responsible for what we borrow.
08:16Because this is the nature of a loan,
08:18not given or borrowed.
08:21So we do have a responsibility to repay the loan.
08:27This is indeed our job as well,
08:31from the platform of peer-to-peer lending,
08:35OJK, then also our community together,
08:39to use this digital technology development in a positive way.
08:43Because there are negative things,
08:46but there are also many positive things that we can take advantage of.
08:50So if we borrow,
08:52we have to make sure that we use it for productive things,
08:59and we can actually reap the return from the loan.
09:05Even now, this is indeed our job,
09:10including yesterday, there was already a form of online loan settlement.
09:16This means that we hope that online loans
09:19will not be used for online gambling.
09:21Because later we can not just dig a hole,
09:25close a hole, we will continue to dig a hole,
09:27until we are powerless,
09:30then there will be a negative impact as well.
09:33Because there are also a lot of events right now,
09:35for example, there is violence on the street,
09:38at the level of divorce, until someone kills himself.
09:41But it is indeed our job together
09:43so that the online loan is productive,
09:47we take advantage of it to really meet our needs.
09:52Maybe for motorcycle vehicle loans,
09:54for business, all kinds of things.
09:56But if you look at the comparison of literacy,
09:59then inclusion, how massive is the penetration
10:01or business expansion carried out by the FinTech company,
10:05peer-to-peer lending,
10:06is it already on the way?
10:08Or is it still far from the literacy?
10:11But hold on to the answer first,
10:12we will explain in a moment.
10:13Ladies and gentlemen,
10:14we will be right back after the break.
10:34You are still watching Market Review.
10:36Ladies and gentlemen,
10:37we bring you the latest data
10:39related to the penetration of FinTech loans,
10:41peer-to-peer lending.
10:42You can see the complete data on your television screen.
10:45The movement from August 2023 to April 2024,
10:50the average is above 20 trillion.
10:55If we look at April 2021, it was 21.68 trillion.
10:58Then in March 2021, it was 22.76 trillion rupiah.
11:03What about the credit value of FinTech peer-to-peer lending?
11:09The movement tends to increase
11:11if we look at August 2023 to April 2024,
11:16from 1.53 trillion rupiah.
11:19It turned out that in the last two months,
11:21in March and April,
11:22the credit value of FinTech peer-to-peer lending
11:25was 1.8 trillion rupiah.
11:28Next, this is the performance of FinTech peer-to-peer lending.
11:34In January, it was still negative,
11:35135.61 billion rupiah.
11:38Then in February, it was still negative.
11:41In March, it was getting smaller,
11:42but it was minus 27.32 billion rupiah.
11:45And in April, it managed to record the interest rate
11:48to become 172.84 billion rupiah.
11:52This is an interesting kinetics.
11:57Next, let's look at the important points
11:59in the SA or OJK Circle Letter No. 19 of 2023.
12:04How is the online loan flow limited to 0.3% to 0.45%?
12:09The slowdown of the productive sector is 0.1% per day,
12:13then the consumptive sector is 0.3% per day.
12:17There are also debitors who can only borrow maximum
12:20on three online loan platforms.
12:23Deposits can only be made until 8.00 p.m.
12:29Deposit regulations are tightened,
12:31then contact the debitor emergency.
12:33Not for deductions.
12:35Online loans must cooperate with insurance.
12:41Okay, we will continue our discussion
12:43with Mr. Heru Sutadi,
12:44Director Executive, ICT Institute.
12:47Mr. Heru, from the data that has been reported,
12:50the loan flow is stable,
12:53around 20 trillion in the last few months.
12:57Then the credit value of the debt has tended to rise.
13:01What do you think of the performance
13:03of peer-to-peer lending from the ICT Institute?
13:09In terms of performance, it's a bit better
13:12compared to the beginning of this year.
13:15And if we look at it,
13:17for example, it has already rebounded to 173 billion.
13:23And what's interesting is that
13:25peer-to-peer lending has also been used throughout the province.
13:30So there is no province in Indonesia
13:32that does not use peer-to-peer lending.
13:35So on the one hand,
13:37it is also an opportunity that
13:39peer-to-peer lending can continue to move.
13:43Hopefully the movement is positive.
13:48And with the advent of some new determinants from the ICT Institute,
13:52this is also an effort to
13:55suppress people from failing to pay.
13:58Because, for example, there were no restrictions before.
14:02We have heard, for example,
14:04there was one person who borrowed from 27 peer-to-peer lending services.
14:09Now there are restrictions.
14:10So three peer-to-peer lending services,
14:13for one name, I think this is also an advancement
14:16so that later on,
14:18if he fails to pay in one place,
14:21he also fails to pay in 26 other places.
14:25These three can still be counted.
14:29Of course, we also hope
14:31that this platform also provides one thing
14:34that is a bit selective.
14:36Not all people, not all parties
14:38can be given loans.
14:41Because now,
14:43yesterday there was also a message that everyone can borrow quickly
14:47in maybe 5 minutes.
14:49Indeed, this is a pretty good thing.
14:52There is a process that is cut, but on the other hand,
14:55there is also a process that we call carelessness
14:58in giving loans.
15:00And the interesting thing is, if we look at the data,
15:04the majority of people who borrow are young,
15:0719 to 34 years old.
15:09Which means, we don't know,
15:12is there a financial obstacle at that age,
15:16or what is it like,
15:18or is it an ease,
15:20because this is a digitalization development,
15:22so it really needs to be internalized again.
15:25And the cut.
15:27But according to Mr. Heru himself,
15:29from the inclusion side,
15:31then the literacy is still a fairly high gap, right?
15:34If we talk about the digital economy,
15:36especially the peer-to-peer lending earlier.
15:38Well, the problem is that
15:41how they market their products
15:45is more terrible, faster, more massive
15:48compared to the education and literacy
15:50provided to the community.
15:52Even though we know that
15:54based on the data, our consumer well-being index
15:57is still in a capable stage,
15:59at 57.04 points.
16:02So they are still less critical,
16:06less empowered,
16:08only receive information in one way,
16:10and take advantage of it according to their needs.
16:14Well, this is what we need together,
16:17this community is also more critical,
16:20more empowered, need to work together
16:22from platform providers.
16:24Because for example, this business is a shared responsibility,
16:27not just the responsibility of the community.
16:29The community must be wise in choosing services,
16:32but the platform must also provide education.
16:35The OJK must also empower the community
16:39as users,
16:40so that they can use peer-to-peer lending
16:44for productive things,
16:46for good things,
16:48so that this can be reversed later.
16:51But what about your own optimism?
16:53Seeing that the development has rebounded
16:55from previously negative in the last three months,
16:58then rose in April.
17:00Is this a good trend?
17:01Is there still a high interest in the community
17:04at the end of the year, or what?
17:07The trend is quite interesting, quite good.
17:10We will have to see in the coming months
17:14whether, for example, the use of funds from online loans
17:20is more productive or more consumptive,
17:24or even maybe used online,
17:26because we still see this too.
17:28We hope that with this online loan,
17:34it will not be used for online gambling, etc.
17:37Hopefully, the direction is positive,
17:40but we all need to work hard
17:43so that this online loan problem
17:46can be used for good things
17:49rather than negative things.
17:52Because the trend is already positive,
17:55but there is also a need for improvement
17:57from the side of, for example,
17:59flowers donated to the community.
18:02If we look at it, there is also a correlation
18:05between quite high flowers
18:07with our ability to repay loans.
18:10Indeed, if we look at the figure,
18:12it's only 0.3% per day.
18:15But if it's a month, it's 9%.
18:17So in a year, it can be 108%.
18:20This is a double-edged sword.
18:22Even though, for example,
18:24the Indonesian flower tribe is also not very high.
18:27Okay, for example, 2-3 times the Indonesian flower tribe.
18:29This means that the flowers from P2P Lending
18:33must also be raised drastically.
18:36So what?
18:38So that people don't feel burdened
18:40when repaying loans from P2P Lending.
18:43If now there is a trend,
18:45the flowers are very big,
18:47so people are lazy and tend to run away.
18:49Or borrow from other places
18:51to make a hole.
18:53What needs to be strengthened is education.
18:55That they must know their obligations
18:58when it comes to repaying loans.
19:00It should have been read in more detail.
19:03How many consequences they have to get,
19:05how many flowers per day,
19:07then how it develops in a month.
19:10Even up to a year,
19:12they should have known that far.
19:14Yes, that's right.
19:16And it must also be given an understanding
19:19that this is a loan, not a gift.
19:23So there is an obligation from us
19:25to repay.
19:27So if we can't repay,
19:29or we don't have the funds to repay,
19:32it's better not to borrow.
19:34Because maybe this is also,
19:36for example, for children, school, etc.
19:39Now, when they want to go to work,
19:42this will all be checked.
19:44This is something that is very transparent right now.
19:47People can check, for example,
19:49someone's financial condition.
19:51And this also affects the future of our children too.
19:54So that it's not limited to online loans.
19:58That's right.
19:59On the other hand, we also have to be active.
20:01We need one more policy,
20:03how we show online loans,
20:05or peer-to-peer lending.
20:07Okay.
20:08Mr. Heru, thank you very much for your time
20:10and sharing that you have delivered.
20:12Thank you very much.
20:14Congratulations on continuing your activities today.
20:16Good health, Mr. Heru.
20:18Good health. Thank you.
20:20Okay, Mr. Mirsa, I've been with you for an hour
20:22and now you're in the market review,
20:24and keep updating your information only on IDX channel,
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20:30Because of business, the future must be ahead.
20:32I am Investor Saham.
20:34I am Prasetya Ibo. See you.
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