Jointly produced by Amartha and CELIOS, this toolkit examines Indonesia’s rapidly growing P2P lending sector. It reviews OJK’s regulatory framework, consumer protection mechanisms, and the importance of responsible innovation to achieve financial inclusion. With Indonesia leading in P2P market size across ASEAN, the report emphasizes governance, transparency, and collaboration as critical foundations for sustainable growth.
The toolkit also highlights strategies to empower women entrepreneurs, promote digital literacy, and attract impact investment. It warns against illegal lending practices and calls for stronger enforcement and ethical debt collection. By positioning fintech as a tool for inclusion rather than exploitation, the report envisions a resilient, transparent digital financial ecosystem that uplifts underserved communities.
Bibliography:
Askar, M. W., Huda, N., Muhammad, G. D., & Purnama, Y. (n.d.). Financial Technology Media Toolkit: Innovations Expanding the Impact of Peer-to-Peer (P2P) Lending. Amartha & Center of Economic and Law Studies (CELIOS).