CICIL's Productive Financing Hits Rp1.64 Trillion through October 2025

Strategic Shift to MSME Financing

CICIL, a prominent player in Indonesia's peer-to-peer lending space, has achieved significant growth in 2025 by focusing on productive financing for Micro, Small, and Medium Enterprises (MSMEs). The company has disbursed a cumulative total of Rp1.64 trillion between January and October 2025, involving over 200 borrowers and more than 700 lenders. This strategic shift from education financing to productive financing has directly addressed the credit access challenges faced by MSMEs, a segment often underserved by traditional financial institutions.

Key Factors Driving Growth

1. Growing Demand for Alternative Financing: CICIL's simplified, risk-based lending process has attracted numerous MSMEs seeking quick access to capital.
2. Comprehensive Risk Management: The company has implemented robust risk controls, including thorough data analysis, field verification, and regular monitoring of borrower activities.
3. Enhanced Transparency: CICIL has committed to transparent disclosure of financing terms, including fees and interest rates, ensuring borrowers fully understand their obligations.

Future Plans and Expansion Strategy

Looking ahead to 2026, CICIL is targeting growth that balances volume with quality. The company plans to maintain its prudent approach to risk management while expanding its productive financing initiatives. Key focus areas include:

1. Funding Stability: Ensuring consistent access to capital for MSMEs.
2. Borrower Monitoring: Regular assessment of borrower activities to mitigate potential risks.
3. Technology Integration: Leveraging advanced technology to enhance operational efficiency and security, including maintaining ISO 27001 certification for information security.

Impact on Financial Inclusion

Since its inception in 2016, CICIL has:

• Reached over 62,000 borrowers
• Engaged more than 1,000 lenders
• Disbursed over Rp3 trillion in total financing
• Focused on supply chain financing and ecosystem financing within the productive sector

The company's transformation reflects its commitment to enhancing financial inclusion through targeted, accessible, and impactful financing solutions for MSMEs.