Lending by fintech peer-to-peer (P2P) lending companies is believed to grow by 50% by 2022. This is based on the trend of online lending this year which successfully exceeded the target. Data from the Indonesian Joint Funding Fintech Association (AFPI) shows that the disbursement from the beginning of the year to October 2021 or total loan disbursement has penetrated Rp129.38 trillion. This achievement exceeds the achievement throughout 2020 as well as the industry association target of Rp100 trillion by the end of 2021.

"Next year the thaw could grow 50% because this year exceeds the target. This means that next year the disbursement figure is above Rp220 trillion. Because every player will definitely grow, and the support of institutional lenders will be much greater," said AFPI Executive Director Kuseryansyah in a live IDX Channel in Jakarta (22/12/2021). He explained, the outlook for next year is supported by 101 platforms that have been licensed from OJK. "The number of platforms continues to decrease because it is monitored by OJK, but the quality of service and business continues to improve," he said.

Kuseryansyah said the licensed status of OJK for online loan organizers is very large. Because, this opens up opportunities for collaboration with banks, multi finance, or venture capital. This potential according to him will be massively developed by finTech actors next year. "So it can be more aggressive to increase its collaboration. Then OJK has also provided guidance on finTech collaboration with BPR. It will also be massive next year," he said.