As of December 2025, outstanding financing in the financing institutions sector grew by 0.61% yoy, reaching IDR506.50 trillion, driven by increased working capital financing. The sector maintained a solid risk profile with a gross NPF ratio of 2.51% and a gearing ratio of 2.18 times, well below the regulatory threshold.

Venture capital financing reached IDR15.97 trillion, while total assets stood at IDR27.57 trillion, reflecting a stable performance in asset management.

The fintech peer-to-peer lending sector expanded significantly, with loans increasing by 25.44% yoy, reaching IDR96.62 trillion. The non-performing loan ratio (TWP90) remained at 4.32%, indicating controlled credit risk.

Meanwhile, the microfinance sector continued to demonstrate steady development, with outstanding financing reaching IDR0.96 trillion and total assets amounting to IDR1.58 trillion as of December 2025. This performance reflects the sector’s continued role in supporting financing access at the grassroots level.

The pawnshop industry also maintained strong momentum, with outstanding financing rising by 48.06% yoy, up from 42.88% yoy in November 2025, to reach IDR130.37 trillion, while credit risk remained well managed. Pawn-based products continued to dominate the industry, amounting to IDR118.73 trillion, or 91.11% of total outstanding financing.

Click here for Highlights of Financing Institution statistics.

Click here for Highlights of P2P Lending statistics.

Click here for Highlights of Microfinance statistics.