Magister Akuntansi

  Jakarta, Indonesia – Indonesia’s online lending sector continued to expand rapidly in 2025, with a reported growth rate of 31% , even as concerns mount over increasing financial losses experienced by the public, according to notes from the Financial Services Authority (OJK) as reported by Indonesian media outlet Tempo . The report highlights a contrasting reality in the fintech lending ecosystem: while access to digital credit is broadening significantly, a growing number of borrowers are also facing financial distress due to high interest rates, aggressive repayment schemes, and exposure to risky lending platforms. According to OJK observations cited by Tempo, the expansion of online lending is driven by strong demand for fast and easily accessible credit, particularly among micro, small, and medium-sized enterprises (MSMEs) and informal sector workers. The convenience of digital loan approval processes continues to attract millions of users who are underserved by traditional b...

  Jakarta, Indonesia – The Financial Services Authority of Indonesia (OJK), through the Illegal Financial Activity Eradication Task Force (Satgas PASTI), reported a continued large-scale crackdown on illegal financial entities throughout 2024, highlighting the persistent risks posed by unauthorized lending platforms and investment schemes in the country’s digital financial ecosystem. According to the 2025 annual report covering enforcement activities in 2024, Satgas PASTI successfully shut down thousands of illegal financial entities operating across Indonesia. The majority of these cases involved unlicensed online lending platforms (commonly known as illegal fintech lending), followed by fraudulent investment schemes targeting retail consumers. Official data show that Satgas PASTI intensified its enforcement actions through coordinated monitoring, public complaints handling, and rapid blocking mechanisms. In 2024 alone, thousands of illegal entities were identified and taken down...

  Jakarta, Indonesia – Indonesia’s financial services sector continued to experience strong growth in digital lending activity, with the Financial Services Authority (Otoritas Jasa Keuangan/OJK) reporting a significant expansion in the fintech peer-to-peer (P2P) lending market as of January 2024. According to OJK’s January 2024 fintech lending report, the total outstanding financing from digital lending platforms reached approximately IDR 60.41 trillion , reflecting sustained demand for alternative credit channels among Indonesian consumers and businesses. At the same time, the number of registered borrowers climbed to around 16.57 million individuals , highlighting the rapid adoption of fintech-based financial services across the country. The report indicates that fintech lending continues to play an increasingly important role in expanding financial inclusion, particularly for individuals and micro, small, and medium-sized enterprises (MSMEs) that have limited access to traditio...

Jakarta, Indonesia – The Indonesian Ministry of Communication and Informatics (Kominfo RI) reported a continued high volume of public complaints related to online lending services throughout 2024, reflecting ongoing consumer protection challenges in the country’s rapidly expanding digital financial ecosystem. According to Kominfo’s 2024 complaint statistics, online lending platforms—particularly illegal or unregistered peer-to-peer lending applications—remain among the most frequently reported digital services by the public. Complaints range from aggressive debt collection practices and misuse of personal data to misleading loan terms and unauthorized access to users’ contact lists. The report highlights that a significant portion of complaints received by government monitoring channels are linked to so-called “illegal fintech lending” operators. These platforms often operate outside regulatory supervision, making enforcement and consumer protection efforts more complex. In many cases...

  Jakarta, Indonesia – Bank Indonesia (BI) has reaffirmed its commitment to maintaining financial system stability while supporting sustainable economic growth through an accommodative macroprudential policy stance. In its Macroprudential Policy Report for the Fourth Quarter of 2024 , released in early 2025, the central bank highlighted the resilience of Indonesia's financial sector despite ongoing global economic uncertainty and geopolitical risks. According to the report, Indonesia's banking system remained sound throughout the fourth quarter of 2024, supported by strong capital adequacy, adequate liquidity, and improving credit growth. Bank Indonesia emphasized that macroprudential policies continued to play a crucial role in balancing financial stability with the need to stimulate productive lending to businesses and households. The central bank maintained an accommodative macroprudential stance to encourage financing for priority sectors, including micro, small, and mediu...

  Jakarta, Indonesia – The rapid expansion of digital lending platforms across Southeast Asia has significantly improved financial inclusion by providing millions of people with access to fast and convenient credit. However, a growing number of digital lending services have adopted predatory practices that exploit vulnerable borrowers, raising serious concerns among policymakers, financial regulators, and consumer protection advocates. According to The Asia Foundation's 2024 report , Predatory Digital Lending in Southeast Asia: Patterns and Policy Responses , predatory digital lending has emerged as one of the region's most pressing financial governance challenges. While financial technology (fintech) has expanded access to credit for underserved populations, weak regulatory oversight and low levels of financial literacy have enabled unethical lending platforms to flourish. The report identifies several common characteristics of predatory digital lenders. These include excessi...