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Indonesian Youths Fall Prey to Digital Debt Vultures

Monday, December 8, 2025

Young borrowers are driving up online loan defaults. Aggressive lending, seamless access, and low financial literacy are pushing the surge.

arsip tempo : 177078008147.

Online lending illustration. Tempo/Martin Yogi Pardamean. tempo : 177078008147.

ARFAH Putri had worked only two months and had not yet become a full-time employee when she first tried borrowing money through a digital lending app about two years ago. “I used it to go on a trip to Bali with friends after graduation,” she told Tempo on Thursday, December 4, 2025.

The young woman from Semarang, Central Java, had been tempted by an online advertisement offering discounted airfares, even though payday was still

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Caesar Akbar

Ghoida Rahmah and Han Revanda contributed to the writing of this article.

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