{"id":4712,"date":"2025-12-14T11:57:32","date_gmt":"2025-12-14T04:57:32","guid":{"rendered":"https:\/\/banjoo.id\/blog\/?p=4712"},"modified":"2025-12-14T11:57:37","modified_gmt":"2025-12-14T04:57:37","slug":"utang-pinjol-rp-929-triliun-gen-z-jadi-penyumbang-gagal-bayar-terbesar","status":"publish","type":"post","link":"https:\/\/banjoo.id\/blog\/berita-pinjol\/4712\/utang-pinjol-rp-929-triliun-gen-z-jadi-penyumbang-gagal-bayar-terbesar\/","title":{"rendered":"Utang Pinjol Rp 92,9 Triliun: Gen Z Jadi Penyumbang Gagal Bayar Terbesar?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Siapa sangka, utang <a href=\"#\">pinjaman online<\/a> (pinjol) masyarakat Indonesia kini menembus angka fantastis?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Otoritas Jasa Keuangan (<a href=\"#\">OJK<\/a>) mencatat outstanding pembiayaan fintech peer-to-peer lending mencapai <strong>Rp 92,92 triliun<\/strong> per Oktober 2025. Angka ini naik 23,86 persen secara tahunan (year on year), lebih tinggi dibanding pertumbuhan bulan sebelumnya yang sebesar 22,16 persen.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Outstanding pembiayaan pada Oktober 2025 tumbuh 23,86 persen yoy, dengan nominal sebesar Rp 92,92 triliun,&#8221; ujar Agusman, Kepala Eksekutif Pengawas PVML OJK, dalam konferensi pers RDKB OJK Desember 2025, Kamis (11\/12\/2025).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nah, yang mengejutkan bukan sekadar besaran utangnya. Data gagal bayar justru menunjukkan tren mengkhawatirkan di kalangan anak muda.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-lonjakan-gagal-bayar-usia-di-bawah-19-tahun-naik-763-persen\">Lonjakan Gagal Bayar: Usia di Bawah 19 Tahun Naik 763 Persen<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Statistik OJK mengungkap fakta yang cukup mencengangkan soal profil peminjam bermasalah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jumlah akun dengan pinjaman macet di bawah usia 19 tahun mencapai <strong>21.774 akun<\/strong> pada semester I 2025. Angka ini melonjak drastis\u2014763 persen\u2014dari periode yang sama tahun sebelumnya yang hanya 2.521 akun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kelompok usia 19-34 tahun (milenial dan Gen Z) juga mencatat kenaikan signifikan sebesar 54,4 persen secara tahunan menjadi 438.707 akun.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berikut rincian data gagal bayar pinjol berdasarkan kelompok usia:<\/p>\n\n\n\n<table style=\"width:100%; border-collapse: collapse; margin: 20px 0;\"> <thead> <tr style=\"background-color: #3498db; color: white;\"> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: left;\">Kelompok Usia<\/th> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">Semester I 2024<\/th> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">Semester I 2025<\/th> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">Pertumbuhan<\/th> <\/tr> <\/thead> <tbody> <tr style=\"background-color: #f8d7da;\"> <td style=\"border: 1px solid #ddd; padding: 12px;\">Di bawah 19 tahun<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">2.521 akun<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">21.774 akun<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center; font-weight: bold;\">+763%<\/td> <\/tr> <tr style=\"background-color: #fff3cd;\"> <td style=\"border: 1px solid #ddd; padding: 12px;\">19-34 tahun<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">284.134 akun*<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">438.707 akun<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center; font-weight: bold;\">+54,4%<\/td> <\/tr> <\/tbody> <\/table>\n\n\n\n<p class=\"wp-block-paragraph\">*) Angka estimasi berdasarkan perhitungan pertumbuhan YoY dari data OJK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Data di atas menunjukkan bahwa generasi muda mendominasi statistik <a href=\"#\">kredit<\/a> macet pinjol di Indonesia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-penyebab-utama-literasi-keuangan-yang-rendah\">Penyebab Utama: Literasi Keuangan yang Rendah<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mengapa anak muda begitu rentan terjebak utang pinjol?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Agusman menjelaskan bahwa peningkatan kredit macet pada borrower di bawah 19 tahun disebabkan oleh <strong>rendahnya literasi keuangan<\/strong>. Kesadaran pengelolaan keuangan di kalangan generasi muda masih minim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jadi, klaim bahwa &#8220;Gen Z boros&#8221; sebenarnya kurang tepat. Akar masalahnya lebih pada minimnya edukasi finansial sejak dini, bukan semata soal gaya hidup konsumtif.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beberapa faktor yang berkontribusi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Kemudahan akses pinjol tanpa jaminan<\/li>\n\n\n\n<li>Proses pengajuan yang serba digital dan cepat<\/li>\n\n\n\n<li>Kurangnya pemahaman soal bunga dan tenor<\/li>\n\n\n\n<li>FOMO (fear of missing out) terhadap tren konsumsi<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pinjol-vs-paylater-mana-yang-lebih-besar\">Pinjol vs Paylater: Mana yang Lebih Besar?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Selain pinjol, layanan buy now pay later (BNPL) atau paylater juga turut menyumbang total utang masyarakat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Berdasarkan data OJK, total akumulasi utang melalui pinjol dan paylater mencapai <strong>Rp 101,3 triliun<\/strong> per September 2025. Namun, porsi keduanya sangat timpang.<\/p>\n\n\n\n<table style=\"width:100%; border-collapse: collapse; margin: 20px 0;\"> <thead> <tr style=\"background-color: #3498db; color: white;\"> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: left;\">Indikator<\/th> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">Pinjol (P2P Lending)<\/th> <th style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">Paylater (BNPL)<\/th> <\/tr> <\/thead> <tbody> <tr style=\"background-color: #f8f9fa;\"> <td style=\"border: 1px solid #ddd; padding: 12px;\">Outstanding Oktober 2025<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center; font-weight: bold;\">Rp 92,92 triliun<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">Rp 10,85 triliun<\/td> <\/tr> <tr> <td style=\"border: 1px solid #ddd; padding: 12px;\">Pertumbuhan YoY<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">23,86%<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">69,71%<\/td> <\/tr> <tr style=\"background-color: #f8f9fa;\"> <td style=\"border: 1px solid #ddd; padding: 12px;\">Rasio Kredit Macet<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">TWP90: 2,76%<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center;\">NPF: 2,79%<\/td> <\/tr> <tr> <td style=\"border: 1px solid #ddd; padding: 12px;\">Tren Risiko<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center; color: green;\">\u2193 Turun (dari 2,82%)<\/td> <td style=\"border: 1px solid #ddd; padding: 12px; text-align: center; color: green;\">\u2193 Turun (dari 2,92%)<\/td> <\/tr> <\/tbody> <\/table>\n\n\n\n<p class=\"wp-block-paragraph\">Singkatnya, outstanding pinjol hampir <strong>9 kali lipat<\/strong> lebih besar dari paylater. Meski demikian, pertumbuhan paylater justru lebih agresif mencapai 69,71 persen YoY\u2014meski mulai melambat dari bulan sebelumnya (88,65 persen).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kabar baiknya, kualitas pembiayaan kedua layanan masih terjaga dengan rasio kredit macet di bawah 3 persen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-dampak-jangka-panjang-dan-solusi-bagi-anak-muda\">Dampak Jangka Panjang dan Solusi bagi Anak Muda<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Terjebak utang pinjol di usia muda bukan perkara sepele.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Catatan kredit macet bisa berdampak pada skor kredit (credit scoring) yang tersimpan di Sistem Layanan Informasi Keuangan (SLIK) OJK. Riwayat buruk ini berpotensi menyulitkan pengajuan KPR, kredit kendaraan, atau pinjaman produktif di masa depan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Beberapa langkah yang bisa dilakukan untuk menghindari jebakan utang:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Hitung kemampuan bayar<\/strong> sebelum mengajukan pinjaman<\/li>\n\n\n\n<li><strong>Pahami total biaya<\/strong> termasuk bunga, biaya admin, dan denda keterlambatan<\/li>\n\n\n\n<li><strong>Prioritaskan kebutuhan<\/strong>, bukan keinginan sesaat<\/li>\n\n\n\n<li><strong>Cek legalitas platform<\/strong> di website resmi OJK sebelum meminjam<\/li>\n\n\n\n<li><strong>Sisihkan dana darurat<\/strong> minimal 3-6 bulan pengeluaran<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-butuh-bantuan-hubungi-layanan-resmi-berikut\">Butuh Bantuan? Hubungi Layanan Resmi Berikut<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bagi yang sudah terlanjur terjerat masalah pinjol atau butuh konsultasi keuangan, berikut kontak layanan yang bisa dihubungi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Kontak OJK 157<\/strong> \u2013 Layanan konsumen dan pengaduan (Senin-Jumat, 08.00-17.00 WIB)<\/li>\n\n\n\n<li><strong>WhatsApp OJK<\/strong>: 081-157-157-157<\/li>\n\n\n\n<li><strong>Email<\/strong>: <a href=\"mailto:konsumen@ojk.go.id\">konsumen@ojk.go.id<\/a><\/li>\n\n\n\n<li><strong>AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia)<\/strong>: untuk mediasi dengan platform pinjol legal<\/li>\n\n\n\n<li><strong>LBH (Lembaga Bantuan Hukum)<\/strong> setempat: untuk kasus <a href=\"#\">pinjol ilegal<\/a> atau intimidasi<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Tren utang pinjol yang terus meningkat, terutama di kalangan generasi muda, menjadi sinyal pentingnya edukasi literasi keuangan sejak dini. Bukan berarti pinjol itu buruk\u2014layanan ini tetap bermanfaat jika digunakan secara bijak dan sesuai kemampuan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Semoga informasi ini bermanfaat. Terima kasih sudah membaca, dan semoga keuangan selalu sehat!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Data dalam artikel ini bersumber dari konferensi pers RDKB OJK Desember 2025 dan dapat berubah sesuai perkembangan kebijakan terbaru. Untuk informasi paling akurat, silakan cek langsung di website resmi ojk.go.id.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Siapa sangka, utang pinjaman online (pinjol) masyarakat Indonesia kini menembus angka fantastis? Otoritas Jasa Keuangan &#8230; <a title=\"Utang Pinjol Rp 92,9 Triliun: Gen Z Jadi Penyumbang Gagal Bayar Terbesar?\" class=\"read-more\" href=\"https:\/\/banjoo.id\/blog\/berita-pinjol\/4712\/utang-pinjol-rp-929-triliun-gen-z-jadi-penyumbang-gagal-bayar-terbesar\/\" aria-label=\"More on Utang Pinjol Rp 92,9 Triliun: Gen Z Jadi Penyumbang Gagal Bayar Terbesar?\">Baca Selengkapnya<\/a><\/p>\n","protected":false},"author":9,"featured_media":4714,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[541],"tags":[60,21],"class_list":["post-4712","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita-pinjol","tag-ojk","tag-pinjaman-online","infinite-scroll-item"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Utang Pinjol Rp 92,9 Triliun: Gen Z Jadi Penyumbang Gagal Bayar Terbesar?<\/title>\n<meta name=\"description\" content=\"OJK catat utang pinjol Rp 92,9 triliun. 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