P2P Lending Industry Outlook 2026

Introduction

The P2P lending industry in Indonesia has experienced significant growth in recent years, driven by the country's economic growth and increasing demand for financing, especially from MSMEs. However, the industry still faces challenges such as illegal lending practices and aggressive debt collection. In this report, we will discuss the outlook for the P2P lending industry in 2026 and the strategies that companies are implementing to address these challenges.

Economic Growth and Demand for Financing

Indonesia's economy is expected to grow at a rate of 4.9-5% in 2026, which will drive demand for financing, especially from MSMEs ¹

. The P2P lending industry is well-positioned to meet this demand, as it provides an alternative source of financing for businesses and individuals who may not have access to traditional banking services.

Challenges Facing the Industry

Despite the positive outlook, the P2P lending industry still faces challenges such as illegal lending practices and aggressive debt collection ²

. These practices can damage the reputation of the industry and deter potential customers. To address these issues, companies like AdaKami are focusing on prudent lending practices and financial literacy programs ³.

Strategies for Success

To succeed in the P2P lending industry, companies must implement strategies that address the challenges facing the industry. This includes implementing prudent lending practices, such as credit scoring and risk assessment, and providing financial literacy programs to customers ³. Additionally, companies must ensure that they are complying with regulatory requirements and maintaining high standards of governance and risk management.

Conclusion

In conclusion, the P2P lending industry in Indonesia is expected to grow positively in 2026, driven by the country's economic growth and increasing demand for financing. However, the industry still faces challenges such as illegal lending practices and aggressive debt collection. To address these issues, companies must implement strategies that prioritize prudent lending practices, financial literacy, and regulatory compliance.