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Update Aturan Pinjol 2026: OJK Perketat, Industri Fintech Terancam?

Update Aturan Pinjol 2026: OJK Perketat, Industri Fintech Terancam?

Otoritas Jasa Keuangan (OJK) berencana memperketat regulasi pinjaman online (pinjol) mulai 2026 dengan menerapkan batas maksimum rasio utang terhadap penghasilan secara bertahap. Langkah ini menargetkan penurunan kredit macet yang masih tinggi, khususnya di segmen produktif. Namun, dampaknya terhadap industri fintech P2P lending masih jadi perdebatan.

Alasan Perketatan OJK

Tingkat kredit macet (TWP90) pinjol mencapai di atas 5% pada 22 penyelenggara per Oktober 2025, mayoritas dari segmen produktif. OJK mencatat peningkatan signifikan kredit macet pada peminjam muda di bawah 19 tahun, naik 763% menjadi 21.774 akun pada semester I-2025. Aturan baru ini memaksa penyelenggara pinjol mempersiapkan sistem penilaian risiko lebih baik untuk pembiayaan prudent.

Isi Aturan Utama 2026

OJK akan batasi rasio pinjaman hingga di bawah 40% dari penghasilan peminjam, diterapkan bertahap hingga 2026. Penurunan denda konsumtif jadi 0,1% per hari pada 2026, sementara bunga produktif turun ke 0,067% per hari. Peminjam dibatasi maksimal tiga pinjaman aktif dari platform berbeda, plus penguatan e-KYC dan credit scoring.

Kinerja Industri Pinjol 2025

Outstanding pembiayaan pinjol tumbuh 23,86% YoY menjadi Rp90,99 triliun per Q3-2025, dengan laba melampaui 2024. Meski ada 30 fintech disanksi atas pelanggaran, TWP90 turun dari 3,19% ke 2,85% Juni 2025. Sebanyak 96 fintech lending terdaftar legal per Juli 2025.

Dampak Terhadap Fintech

Asosiasi AFPI yakin aturan ini kurangi risiko gagal bayar tanpa hambatan signifikan, karena industri sudah patuh. Pertumbuhan 2026 diprediksi positif didorong digitalisasi dan ekspansi UMKM, meski laju melambat akibat batas pinjaman ketat. Penyaluran di luar Jawa naik 36,14% YoY, tunjukkan potensi inklusi keuangan.

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