Indonesia P2P Lending Market Outlook to 2027
The report provides a comprehensive analysis of the potential of lending industry in Indonesia. The report covers an overview and genesis of the industry, market size in terms of loan disbursed.
The report has market segmentation which include segments by on the basis of medium, by lending type (loan disbursed), by end consumer industry (business lending), by medium (loan disbursed), by loan type (loan disbursed) by borrower type (loan disbursed), by investment type (loan disbursed), by region (loan disbursed); growth enablers and drivers; challenges and bottlenecks; trends driving adoption trends; regulatory framework; end-user analysis, industry analysis, competitive landscape including competition scenario and market shares of major players. The report concludes with each market segmentation's future projections and analyst recommendations.
Market Overview:
According to Ken Research estimates, the Indonesia Peer-to-Peer Lending Market –has increased in 2022 at a CAGR of 142.8% owing to growing demand for financing penetration in the sector.
Indonesia has 785 fintech businesses, making it Southeast Asia's second-largest hub for fintech startups. The next-gen investors are now shifting from traditional means to explicit P2P lending apps for processing loans. The largest economy in Southeast Asia, Indonesia, has become one of the main fintech centers in recent years.
Peer-to-peer (P2P) lending has rapidly expanded in Indonesia, raising worries about the acquisition of personal information from borrowers and an increase in illicit internet lenders in Indonesia, creating a havoc in P2P lending market.
Key Trends by Market Segment:
By Lending Type: Consumer lending segment, including personal loans, education loans, home renovation loans, and other types of loans for individual borrowers, accounted for majority share.
Loan Type: P2P lending offers both secured and unsecured loans. However, most of the loans in P2P lending are unsecured.
Competitive Landscape
The Indonesia Peer-to-Peer Lending market is Moderately Fragmented. The nature of competition is high. Philippine lending market by banks making it moderately consolidated with competitive rivalry among the competitors. Some of the popular players are Asetku, KoinWorks, KreditPintar and others which contribute to the major share in the entire market (EasyCash, Crowdo, Crowde).
Future Outlook
The Indonesian government pays special attention to the fintech industry, including P2P lending. The government with new regulation, POJK 10/2022, has provided stricter regulations and ensured that the P2P lending industry operates fairly and transparently. This will increase public confidence and attract more lenders and borrowers.
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- 1. Executive Summary
- 1.1 Executive Summary: Indonesia Peer-to-Peer Lending Market
- 2. Country Overview
- 2.1 Indonesia Country Overview (Population Overview, GDP and Inflation rate over the years, Key facts, etc.)
- 2.1 Indonesia Digital Economy (Number of internet users and smartphone penetration rate)
- 2.2 Indonesia Financial Inclusion Scenario (Financial Literacy and Inclusion Index by gender and regions)
- 3. Banking Industry Overview
- 3.1 Evolution of Banking in Indonesia
- 3.1 Structure of Banking System
- 3.1 Credit Disbursal Scenario (Total credit disbursed, credit disbursed by commercial banks on the basis of types of loans and banks)
- 4. Indonesia MSME Structure
- 4.1 Overview of MSMEs in Indonesia (Number of MSMEs, contribution to GDP and employment, growth drivers, needs, MSMEs definition)
- 4.2 MSME Financing Gap and Challenges faced (Total Bank credit versus SME credit growth, challenges faced by MSMEs in taking credit)
- 5. Market Overview and Genesis of Indonesia Peer-to-Peer Lending Market
- 5.1 What is Peer-to-Peer Lending?
- 5.2 Traditional Lending vs Peer-to-Peer Lending
- 5.3 How Peer-to-Peer Lending overcomes Conventional lending Provider’s Limitations
- 5.4 Business Cycle and Genesis of P2P Lending in Indonesia
- 5.5 Ecosystem of Indonesia Peer-to-Peer Lending Market Value Chain Analysis
- 5.6 Different Lender and Borrower Procedures
- 5.7 Procurement Funnel
- 5.8 Business Model Canvas
- 5.9 Financial Overview of the Indonesia P2P Lending Market (Financial Performance of P2P
- 5.10 Lending Platforms, operating income and expenses, total assets by sharia and conventional players)
- 6. Market Segmentation of Indonesia Peer-to-Peer Lending Market
- 6.1 Market Size Analysis of Indonesia Peer-to-Peer Lending Market, 2017-2022
- 6.2 Market Segmentation By Lending Type, 2022
- 6.3 Market Segmentation By End Consumer Industry, 2022
- 6.4 Market Segmentation By Medium, 2022
- 6.5 Market Segmentation By Loan Type, 2022
- 6.6 Market Segmentation By Investment Type, 2022
- 6.7 Market Segmentation By Borrower Category, 2022
- 7. Industry Analysis of Indonesia Peer-to-Peer Lending Market
- 7.1 Regulatory Landscape of Indonesia P2P Lending Market
- 7.2 SWOT Analysis for Indonesia P2P Lending Market
- 7.3 Growth Drivers in Indonesia P2P Lending Market
- 7.4 Trends in Indonesia P2P Lending Market
- 7.5 Challenges in Indonesia P2P Lending Market
- 8. End User Analysis Indonesia Peer-to-Peer Lending Market
- 8.1 Market End Users Overview
- 8.2 Decision making parameters by Lenders in selecting a P2P Platform
- 8.3 Decision making parameters by Borrowers in selecting a P2P Platform
- 9. Competition Framework of Indonesia Peer-to-Peer Lending Market
- 9.1 Competitive Landscape of Major Players Operating in Indonesia Peer-to-Peer Lending Market
- 9.2 Market Share Analysis of Major Players
- 9.3 Heat Map of P2P Lending Platforms (by presence in Personal Loans, Term Loans, Invoice
- 9.4 Financing, Buyer Financing, Collateral, Bond Issue, Sharia)
- 9.5 Cross Comparison of major players on the basis of operational and financial parameters Company Profiles
- 10. Future Outlook of Indonesia Peer-to-Peer Lending Market
- 10.1 Future Market Size Analysis of Indonesia Peer-to-Peer Lending Market, 2022-2027
- 10.2 Market Segmentation By Lending Type, 2027
- 10.3 Market Segmentation By End Consumer Industry, 2027
- 10.4 Market Segmentation By Medium, 2027
- 10.5 Market Segmentation By Loan Type, 2027
- 10.6 Market Segmentation By Investment Type, 2027
- 10.7 Market Segmentation By Borrower Category, 2027
- 11. Analyst Recommendations
- 11.1 Customer Journey and Potential Strategies
- 11.2 Growth Strategies for P2P Lending Platforms
- 11.3 Success Case Study: Global P2P Lending Platform
- 11.4 Challenges Faced/Failure Stories of Global P2P Lending Companies and Insights
- 12. Industry Speaks
- 12.1 Interview with a Chief Product Officer at a leading P2P platform in Indonesia
- 13, Research Methodology
- 13.1 Market Definitions and Assumptions
- 13.2 Abbreviations
- 13.3 Market Sizing Approach
- 13.4 Consolidated Research Approach
- 13.5 Primary Research Approach
- 13.6 Sample Size Inclusion
- 13.7 Limitations and Future Conclusion
- Disclaimer
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