Indonesians urged to manage digital borrowing more carefully

Indonesia’s expanding digital-lending market is bringing a parallel push for borrowers to make more careful financial decisions. The Financial Services Authority recorded outstanding fintech lending of 105.14 trillion rupiah in June 2026.

Kredit Pintar, an online lending platform licensed and supervised by the authority, is responding with its “Money Management Partner” approach. The program encourages users to match financing with their needs and capacity, understand their options and consequences, and keep control of their obligations until repayment is complete.

Company President Director Ronny Kasim said lenders should do more than provide access to money. “Providing access to financing is one part of our role. But the greater role is helping people understand when they need financing, determine an amount that matches their ability, and remain in control until their obligations are fulfilled,” he said.

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Providing access to financing is one part of our role. But the greater role is helping people understand when they need financing, determine an amount that matches their ability, and remain in control until their obligations are fulfilled.

The approach rests on three principles: protecting cash flow, understanding and choosing, and staying in control. Irgo Bachtiar, Kredit Pintar’s head of business and operations, said broader access should not reduce credit quality. “Expanding access to financing does not mean lowering credit quality. We instead use data and technology to better understand each customer’s circumstances and ability, so financing can be provided more appropriately,” he said.

Bachtiar made the remarks at Fintech Lending Days 2026 in Denpasar, Bali. The Aug. 20-21 forum, organized by the Indonesian Joint Funding Fintech Association, brought together industry participants, regulators and other stakeholders to discuss sector developments and responsible lending. The event emphasized that industry growth should be judged not only by the amount of financing distributed, but also by lenders’ ability to take responsibility for the financing they provide and help users retain control over their obligations.

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Expanding access to financing does not mean lowering credit quality. We instead use data and technology to better understand each customer’s circumstances and ability, so financing can be provided more appropriately.