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Competition Benchmarking: Indonesia Peer-to-Peer Lending Market Outlook to 2024

Region:Asia

Author(s):Veturi Sundara Karthik

Product Code:KR852

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Published On

August 2019

Total pages

106

About the Report

The report titled “Competition Benchmarking: Indonesia Peer-to-Peer Lending Market Outlook to 2024” provides a comprehensive analysis of Indonesia Peer-to-Peer Lending platform operators. The report covers various aspects including market overview, value chain analysis, market evolution, the market size of Peer-to-Peer Lending platforms on the basis of loans disbursed and market segmentation by location of loans disbursed in and outside Java, regulatory framework impacting the Indonesia market and competitive landscape. The report concludes with market projections for future and analyst recommendations highlighting the major opportunities and cautions for Indonesia Peer-to-Peer lending market.
 
Indonesia Peer-to-Peer Lending Market

Indonesia Peer-to-Peer Lending Market Overview

The Indonesia Peer-to-Peer lending market was observed to be at a nascent stage since the market was established in 2016 driven by a need to serve the under-banked and underserved businesses and customers in the remote regions of Indonesia. The regulations brought out by the Indonesian Financial Services Authority in 2016 outlined the operational and financial requirements for Peer-to-Peer lending platforms to operate. The market is fragmented with more than 100 platform operators currently registered with the OJK. The improvements in technology and internet connectivity will drive more platforms to establish and reach more customers.
 

Indonesia Peer-to-Peer Lending Market Size

Indonesia Peer-to-Peer Lending market size has seen major growth since its inception in 2016. The improvement in credit assessment techniques and the use of Artificial Intelligence and Machine learning techniques has driven the increase in borrower base due to more approvals. The Non-performing loans have also been at par with the Indonesian banks and in some cases lower. The number of platform operators has also nearly doubled every year and is poised to grow similarly in the future.
The types of loans disbursed by these platforms are Working Capital loans, Consumptive loans, and Investment loans. Working capital loans occupy the major share for the type of loans since these loans are mostly disbursed to MSMEs.
 

Indonesia Peer-to-Peer Lending Market Segmentation

By Location of Loan Disbursed (Inside Java and Outside Java): Loans disbursed inside Java dominated the Indonesia Peer-to-Peer lending market in 2018. Presence of established internet and mobile phone penetration in Java drove the loan disbursement in Java to be higher than outside Java.
 

Comparative Landscape in Indonesia Peer-to-Peer Lending Market

The Peer-to-Peer lending market in Indonesia was observed to be fragmented with the presence of a few international players from countries like China, Malaysia, and Singapore. It is relatively easier to enter into the Indonesian market as OJK has laid out guidelines to establish and operate. OJK also tests the operational reliability of the platforms for fraud susceptibility and platform failures due to technology. Investree, Modalku, and Koinworks were one of the first companies to gain OJK license and operate in Indonesia. Platforms compete with each other on parameters such as total loans disbursed, loans outstanding, Non-performing loans, and borrower and lenders registered on their platforms.
 

Indonesia Peer-to-Peer Lending Market Future Outlook and Projections

It is further estimated that the Indonesia Peer-to-Peer lending market in terms of total loans disbursed will register a high CAGR growth for the period 2019-2024. The market is forecasted to grow owing to increased mobile phone and internet penetration to remote areas, increased financial and digital literacy, increase in e-commerce activity leading to more vendors opting for working capital loans, an influx of more operating platforms and greater partnerships of platforms with institutional investors such as banks and financial institutions.
 

Key Topics Covered in the Report

  • Indonesia Peer-to-Peer Lending Market Value Chain Analysis
  • Indonesia Peer-to-Peer Lending Market Overview
  • Indonesia Peer-to-Peer Lending Market Ecosystem
  • Indonesia Peer-to-Peer Lending Market Future and Projections
  • Regulatory Framework in Indonesia Peer-to-Peer Lending Market
  • Issues and Challenges in Indonesia Peer-to-Peer Lending Market
  • Competitive Landscape in Indonesia Peer-to-Peer Lending Market
  • Analyst Recommendations
  • Case Study for Successful P2P Lending Startup
  • Case Study for Failure P2P Lending Startup in Indonesia

Products

Key Target Audience

  • Existing Peer-to-Peer Lending Platforms
  • New Market Entrants- Domestic Platforms
  • New Market Entrants- International Platforms
  • Banks and Financial Institutions
  • Government Bodies
  • Investors & Venture Capital Firms
  • Third Party Technology Providers
  • MSMEs and E-commerce Sellers


Time Period Captured in the Report:

  • Historical Period: 2016 -2018
  • Forecast Period: 2019-2024

Companies

Key Segments Covered

By Location of Loan Disbursed
  • Inside Java
  • Outside Java

Companies Covered:

  • Investree
  • Modalku
  • Koinworks
  • Danamas
  • Mekar
  • Crowde
  • Crowdo
  • Akseleran
  • Aktivaku
  • Amartha

Table of Contents

1.  Executive Summary

1.1. Indonesia Peer-to-Peer Lending Market Overview and Size

1.2. Market Segmentation

1.3. Competition Scenario

Indonesia Peer-to-Peer Lending Regulations

Indonesia Peer-to-Peer Lending Future and projections

2.  Research Methodology

2.1. Market Definitions

2.2. Abbreviations

2.3. Market Size and Modeling

Approach – Market Sizing

Limitations

3. Indonesia Economy Overview

3.1. Evolution of Banking in Indonesia

3.2.  Structure of Banking System in Indonesia

3.3. Types of Banks in Indonesia

Credit Disbursal Scenario in Indonesia

4. Value Chain Analysis (Operating Model, Process Flow, Pros and Cons, Challenges Faced and Solutions)

5.  Indonesia Peer-to-Peer Lending Market Ecosystem

6.  Indonesia Peer-to-Peer Lending Market Overview

6.1. Key Takeaways from Indonesia Peer-to-Peer Lending Industry

6.2. Reasons for Emergence of Peer-to-Peer Lending

6.3. Fintech Landscape in Indonesia

7.  Government Regulations

7.1. Financial Services Authority, OJK

7.2. Comparison of Regulation between Indonesia and India

8.  Issues and Challenges

8.1. Limited Access to Credit History Database

8.2. Funds Transfer and misuse

8.3. Bases 3, Banks and Peer-to-Peer Loans

8.4. Illegal Peer-to-Peer Lending Operators

8.5. Legal Issues Related to Fintech

8.6. Fails to Solve Financial Inclusion Concerns

8.7. Adverse Selection

8.8. Long Term Lending

9.  Cross Comparison of Indonesia Peer-to-Peer Lending Platforms and Banks

10. Indonesia Peer-to-Peer Lending Market Size, 2016-2018

10.1.  Indonesia Peer-to-Peer Lending Market Segmentation by Disbursement, 2018

11. Competition Stage, Major Players, Competitive Trends and Competition Parameters

11.1. Strength and Weakness of Major Players (Koinworks, Investree, Modalku, Amartha, Akseleran, Crowde, Crowdo, Danamas, and Aktivaku)

11.2. Market Share of Major P2P Lending Platforms by Loan Disbursed, 2018

11.3. Heat Map of P2P Lending Platforms by Presence in Personal Loans, Term Loans, Invoice Financing, Buyer Financing, Collateral, Bond Issue, SE Asia Presence, Sharia Financing

11.4. Cross Comparison between P2P Lending Players (Loan Disbursed, Business Model, Number of Lenders, Borrowers, NPL, Average Loan Amount, Investors, Fund Raised), 2018

12. Company Profiles (Company Synopsis, Business Strategy, USP, Lenders and Borrower Profile and Employee Headcount, Business

Model, Number of Loans, Amount Disbursed, NPL, Commission Income, Investor Return, Average Loan Duration)

12.1. Modalku

12.2. Danamas

12.3. Investree

12.4. Koinworks

12.5. Crowde

12.6. Amartha

12.7. Crowdo

12.8. Akseleran

12.9. Mekar

12.10. Aktivaku

13. Indonesia Peer to Peer Lending Market Future Outlook and Projections, 2019E-2024E

Key Takeaways from Indonesia Peer-to-Peer Lending Industry

Future Ecosystem Interactions

14. Analyst Recommendations in Indonesia Peer to Peer Lending Market

14.1. Success Case Study - Faircent

14.2. Failure Case Study – Lending Club

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