Otoritas Jasa Keuangan Jawa Barat and KrediOne are encouraging the improvement of financial literacy, particularly in digital lending (pindar), among the people of West Java through a talk show on PRFM Radio.

Based on the 2025 National Survey on Financial Literacy and Inclusion (SNLIK), the financial literacy rate increased by 1% from the previous year to 66.46%, while the financial inclusion rate rose by 3% to 83%.

In 2026, financial literacy and inclusion are expected to improve further to support the achievement of the national targets of 69.35% for literacy and 93% for inclusion by 2029.

In line with the improvement in literacy, Assistant Manager of OJK West Java, Melisa Christina, emphasized that financing for Micro, Small, and Medium Enterprises (MSMEs) also needs to be strengthened, as MSMEs are under the guidance of the Regional Inflation Control Team (TPID).

“To support MSME development, OJK and TPID collaborate with Financial Services Business Actors (PUJK) to provide wider access for MSME players,” she said during the Financial Literacy Talk Show titled “Bijak Memanfaatkan Pinjaman Daring, Terlindungi sebagai Konsumen” at PRFM Radio, Bandung, on Thursday, February 12, 2026.

OJK has issued POJK 19/2025 to facilitate access to financing for MSMEs. This regulation serves as an important instrument to encourage banks and non-bank financial institutions to be more active in channeling financing.

“Of course, this is carried out based on the principles of being easy, accurate, fast, affordable, and inclusive, without neglecting prudential aspects,” Melisa added.

At the same event, Head of Marketing & Branding of KrediOne, I Made Wisnu Saputra, welcomed the regulation. According to KrediOne’s data, more than 30% of customer funding applications are used for ultra-micro MSME businesses.

“One of the required fields in the application is the purpose of loan. It turns out that many customers use it as business capital,” he explained.

This figure has increased compared to 2024 and can serve as a reference, showing that many customers utilize financing for business purposes.

Although there is no specific MSME category and it is included in the multipurpose cluster, the amount of funds distributed is expected to help MSME players survive and grow.

Since the loan process is conducted digitally, verification is also carried out online through e-KYC and other technologies such as AI and Big Data.

Not all loan applications pass verification. In one day, KrediOne can receive up to 200,000 loan applications, with around 70% being rejected.

“This effort is also intended to prevent non-performing loans (NPL). Currently, our NPL remains healthy, below 2%,” he said.

Wisnu also noted that KrediOne has a large customer base in West Java. Since 2019, financing distribution in the province has been the highest in Indonesia, with total funding in 2025 reaching IDR 1.8 trillion.

Going forward, he aims to further encourage the public to be more cautious in financial transactions, especially in using digital lending services and understanding the risks of illegal online loans. Therefore, outreach and education remain key priorities.

One of the main challenges is that many people still cannot distinguish between legal digital lending services and illegal online loans. This has led to many cases of consumers being trapped in illegal lending practices, including improper collection methods and excessive interest rates.

According to Wisnu, there are at least three key differences between legal and illegal digital lending platforms. First, legal applications only request access to three features: camera, microphone, and location (known as CAMILAN).

“If an application asks for access beyond these three, such as contacts or system data, it is certainly illegal,” he said.

Second, interest rates for legal digital lending must comply with OJK regulations. Starting January 1, 2025, OJK reduced the maximum interest rate for multipurpose digital loans to 0.3% per day for tenors under six months and 0.2% for tenors over six months. Meanwhile, the productive cluster is limited to 0.1% per day.

Third, legal digital lending applications do not display the OJK logo on the Play Store or App Store. Guidelines for digital lending and marketing are regulated under OJK Regulation Number 22 of 2023 on Consumer and Community Protection in the Financial Services Sector.

Wisnu added that KrediOne has transformed from being product-centric to customer-centric, prioritizing customer needs, service quality, and protection, especially in responding quickly to customer complaints with more human-centered standards.

“Currently, our service level agreement has improved and is more solution-oriented. When users ask about products, we can explain them clearly and provide appropriate solutions,” he concluded.

For your information, KrediOne currently only uses the official email address cs@kredione.id and customer service hotline at (021) 50880188, available during business hours from 09:00 AM to 05:00 PM WIB. For matters related to loan cancellations, customers may contact customer service through the email mentioned above.