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OJK’s Late Move on Online Lending Interest Rate Regulation

Monday, July 7, 2025

The OJK only stepped in to regulate Online Lending interest rates after victims began to mount. A middle path is needed to ensure fair returns for both platforms and borrowers.

arsip tempo : 177684877472.

Online Loan Illustration. shutterstock.com. tempo : 177684877472.

AZWAR has sworn off online loans for good. An employee at a private company in Jakarta, he refuses to deal with app-based lenders—known as pinjol—ever again after becoming trapped in debt. Five years ago, he suffered deep trauma after falling behind on payments and being hounded by multiple lenders. “Legal or illegal, no way!” said the 40-year-old on Wednesday, July 2, 2025. Asked how much he owed, he would only say,

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Retno Sulistyowati

Anastasya Lavenia Yudi contributed to the writing of this article. 

Fintech OJK Interest Rate Asosiasi Fintech Pendanaan Indonesia | AFPI online lending Legal online loans
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