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Who Regulates Online Loan Interest Rates

Monday, July 7, 2025

The KPPU and The OJK clash over allegations of an online lending interest-rate cartel. A handful of players dominate the market.

arsip tempo : 176884345285.

A mural warning of the dangers of online loans, prevalent in Surabaya’s Tempurejo area, East Java, on September 7, 2021. Antara/Didik Suhartono. tempo : 176884345285.

A STRING of investigations by the Business Competition Supervisory Commission (KPPU) into suspected cartel practices among app-based lenders, known as pinjol, has left Entjik Djafar with a headache. Entjik, who serves as Chairperson of the Indonesian Fintech Association (AFPI), worries the case will erode public trust in legal online lending. “People are becoming afraid, thinking we’re like illegal applications,” he said on

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Caesar Akbar

Ghoida Rahmah and Anastasya Lavenia contributed to this report. 

Fintech OJK KPPU Fintech Lending Pinjol online lending online loan cartel
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