OJK Supports AFPI's Debt Collector Portal to Curb Fintech Lending Abuses

Enhancing Industry Practices

The Financial Services Authority (OJK) has expressed support for the Indonesian Fintech Lending Association's (AFPI) recent launch of the Debt Collector Portal (PTP). This initiative aims to improve debt collection practices in Indonesia's rapidly growing fintech lending industry. The portal serves as a two-way communication channel between AFPI and consumers regarding debt collection behavior and ethics.

Addressing Consumer Complaints

The OJK reported that between January 2024 and January 2025, it received 13,540 complaints related to debt collection practices across all financial sectors, with 7,993 of these complaints specifically coming from the fintech lending sector. This data highlights the need for a more robust system to regulate debt collection practices and enhance consumer protection.

Industry Performance and Challenges

As of September 2025, the fintech lending industry recorded Rp90.99 trillion in outstanding financing, representing a 22.16% year-on-year growth. Despite this growth, the industry maintained a relatively stable non-performing loan rate of 2.82%. The launch of the Debt Collector Portal is seen as a significant step towards addressing potential risks associated with the industry's rapid expansion.

Key Features of the Portal

The Debt Collector Portal allows consumers to verify the identity and legitimacy of debt collectors, ensuring that they are dealing with registered, certified, and authorized personnel. AFPI Chairman Entjik S. Djafar emphasized that this innovation will help borrowers avoid unethical debt collection practices and strengthen the overall governance of the fintech lending industry in Indonesia.