{"id":2201,"date":"2026-03-04T05:33:48","date_gmt":"2026-03-04T05:33:48","guid":{"rendered":"https:\/\/petisibrawijaya.or.id\/?p=2201"},"modified":"2026-03-15T05:36:22","modified_gmt":"2026-03-15T05:36:22","slug":"utang-pinjol-warga-ri-tembus-ke-rp12564-triliun-tumbuh-2552-persen-dalam-setahun","status":"publish","type":"post","link":"https:\/\/petisibrawijaya.or.id\/?p=2201","title":{"rendered":"Utang Pinjol Warga RI Tembus ke Rp125,64 Triliun, Tumbuh 25,52 Persen dalam Setahun"},"content":{"rendered":"<p><strong>PETISI BRAWIJAYA MEDIA, JAKARTA<\/strong> &#8211; Utang masyarakat Indonesia pada layanan pinjaman online (pinjol) dan fasilitas buy now, pay later (BNPL\/paylater) melonjak tajam Rp125,64 triliun per Januari 2026. Data tersebut dirilis oleh Otoritas Jasa Keuangan (OJK).<\/p>\n<p>Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya OJK, Agusman, menyebutkan outstanding pembiayaan industri pinjaman daring (pindar) pada periode tersebut mencapai Rp 98,54 triliun.<\/p>\n<p>Angka ini mencerminkan pertumbuhan sekitar 25,52 persen secara year-on-year (YoY). Pertumbuhan tersebut sedikit lebih tinggi dibandingkan Desember 2025 yang tercatat 25,44 persen (yoy).<\/p>\n<p>\u201cPada industri Pinjaman Daring (Pindar), outstanding pembiayaan pada Januari 2026 tumbuh 25,52 persen (yoy), lebih tinggi dari Desember 2025 25,44 persen (yoy),\u201d ujar Agusman dalam konferensi pers RDKB OJK, Selasa (3\/3\/2026).<\/p>\n<p>Meski total pinjaman meningkat, OJK juga mencatat tren kenaikan pada risiko kredit bermasalah. Rasio Tingkat Wanprestasi di atas 90 hari (TWP90) di sektor pinjol tercatat berada di level 4,38 persen pada Januari 2026, lebih tinggi dari 4,32 persen pada bulan sebelumnya dan jauh lebih tinggi dari 2,52 persen pada Januari tahun sebelumnya.<\/p>\n<p>Angka ini menjadi salah satu indikator bahwa sebagian peminjam mulai kesulitan melunasi kewajibannya tepat waktu dan berpotensi menurunkan skor kredit di Sistem Layanan Informasi Keuangan (SLIK) OJK.<\/p>\n<p>Adapun SLIK adalah sistem yang mencatat riwayat kredit seseorang, mulai dari cicilan perbankan, kartu kredit, KPR, hingga pinjol. Laporan ini dikenal juga dengan iDebKu.<\/p>\n<p>Skor dalam SLIK sangat menentukan apakah seseorang bisa kembali mengajukan pinjaman atau tidak.<\/p>\n<p>Berikut kategori kolektibilitas (skor kredit) di SLIK OJK:<\/p>\n<ul>\n<li>Skor 1 (Lancar): Pembayaran tepat waktu<\/li>\n<li>Skor 2 (Dalam Perhatian Khusus): Telat 1\u201390 hari<\/li>\n<li>Skor 3 (Kurang Lancar): Telat 91\u2013120 hari<\/li>\n<li>Skor 4 (Diragukan): Telat 121\u2013180 hari<\/li>\n<li>Skor 5 (Macet): Telat lebih dari 180 hari<\/li>\n<\/ul>\n<p>Semakin tinggi skor (mendekati 5), semakin kecil peluang pengajuan pinjaman disetujui.<\/p>\n<p>Sementara itu, Kepala Eksekutif Pengawas Perbankan OJK, Dian Ediana Rae, mengungkapkan bahwa nilai sisa pokok pinjaman (baki debet) produk paylater mencapai Rp 27,1 triliun pada periode yang sama.<\/p>\n<p>Meskipun tumbuh solid, porsi paylater terhadap total kredit perbankan masih relatif terbatas, yaitu sebesar 0,32 persen. Jumlah rekening produk ini meningkat tipis dari 31,21 juta rekening pada Desember 2025 menjadi 31,23 juta rekening pada Januari 2026.<\/p>\n<p>Dian menambahkan, Jika dibandingkan, utang pinjol jauh lebih besar dengan porsi sebesar Rp98,54 triliun, sementara &#8220;Per Januari 2026, baki debet kredit BNPL atau paylater sebesar Rp27,1 triliun, sebagaimana dilaporkan dalam SLIK, tumbuh 20,15 persen (yoy), lebih tinggi dari Desember 2025 sebesar 19,32 persen (yoy). Artinya, hampir 78 persen dari total Rp125,64 triliun berasal dari pinjaman daring.<\/p>\n<p>Lonjakan ini menunjukkan tingginya ketergantungan masyarakat terhadap pembiayaan digital. Namun, peningkatan kredit macet menjadi sinyal kewaspadaan bagi industri dan regulator agar pertumbuhan tetap sehat dan terkendali.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>PETISI BRAWIJAYA MEDIA, JAKARTA &#8211; Utang masyarakat Indonesia pada layanan pinjaman online (pinjol) dan fasilitas buy now, pay later (BNPL\/paylater) melonjak tajam Rp125,64 triliun per Januari 2026. Data tersebut dirilis oleh Otoritas Jasa Keuangan (OJK). Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya OJK, Agusman, menyebutkan outstanding [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2202,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,2],"tags":[],"class_list":{"0":"post-2201","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi","8":"category-headline-news"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Utang Pinjol Warga RI Tembus ke Rp125,64 Triliun, Tumbuh 25,52 Persen dalam Setahun - Petisi Brawijaya<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/petisibrawijaya.or.id\/?p=2201\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Utang Pinjol Warga RI Tembus ke Rp125,64 Triliun, Tumbuh 25,52 Persen dalam Setahun - Petisi Brawijaya\" \/>\n<meta property=\"og:description\" content=\"PETISI BRAWIJAYA MEDIA, JAKARTA &#8211; Utang masyarakat Indonesia pada layanan pinjaman online (pinjol) dan fasilitas buy now, pay later (BNPL\/paylater) melonjak tajam Rp125,64 triliun per Januari 2026. Data tersebut dirilis oleh Otoritas Jasa Keuangan (OJK). Kepala Eksekutif Pengawas Lembaga Pembiayaan, Perusahaan Modal Ventura, Lembaga Keuangan Mikro dan Lembaga Jasa Keuangan Lainnya OJK, Agusman, menyebutkan outstanding [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/petisibrawijaya.or.id\/?p=2201\" \/>\n<meta property=\"og:site_name\" content=\"Petisi Brawijaya\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/petisi.brawijaya\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-04T05:33:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-15T05:36:22+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/petisibrawijaya.or.id\/wp-content\/uploads\/2026\/03\/Picture11.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"624\" \/>\n\t<meta property=\"og:image:height\" content=\"351\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"petisiadm\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"petisiadm\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201\"},\"author\":{\"name\":\"petisiadm\",\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/#\\\/schema\\\/person\\\/af5f32ff6cc0ae2da590caf92129b28b\"},\"headline\":\"Utang Pinjol Warga RI Tembus ke Rp125,64 Triliun, Tumbuh 25,52 Persen dalam Setahun\",\"datePublished\":\"2026-03-04T05:33:48+00:00\",\"dateModified\":\"2026-03-15T05:36:22+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201\"},\"wordCount\":415,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/Picture11.jpg\",\"articleSection\":[\"Ekonomi\",\"Headline News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201\",\"url\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201\",\"name\":\"Utang Pinjol Warga RI Tembus ke Rp125,64 Triliun, Tumbuh 25,52 Persen dalam Setahun - Petisi Brawijaya\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/Picture11.jpg\",\"datePublished\":\"2026-03-04T05:33:48+00:00\",\"dateModified\":\"2026-03-15T05:36:22+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/?p=2201#primaryimage\",\"url\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/Picture11.jpg\",\"contentUrl\":\"https:\\\/\\\/petisibrawijaya.or.id\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/Picture11.jpg\",\"width\":624,\"height\":351,\"caption\":\"OJK mencatat utang pinjol warga RI tembus Rp 125,64 Triliun per Januari 2026 (Dok. 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