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Pengguna Pinjol Indonesia Mayoritas Kelas Menengah | Databoks Home Pengguna Pinjol Indonesia Mayoritas Kelas Menengah Pengguna Pinjol Indonesia Mayoritas Kelas Menengah Proporsi Rumah Tangga Indonesia yang Menggunakan Pinjol (2023) Sumber : Mandiri Institute, Juni 2024
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Penulis: Adi Ahdiat
Editor: Adi Ahdiat
Pengguna layanan pinjaman online (pinjol) di Indonesia paling banyak berasal dari rumah tangga kelas ekonomi menengah.
Hal ini tercatat dalam laporan Inklusi Keuangan dari Sisi Kelas Belanja Masyarakat Indonesia yang dirilis Mandiri Institute.
(Baca: Pengguna Pinjol Bermasalah Rata-rata Nunggak Rp2 Juta )
Berdasarkan data Badan Pusat Statistik (BPS) yang diolah Mandiri Institute, pada 2023 sebanyak 0,25% rumah tangga Indonesia yang menggunakan pinjol tergolong kelas menengah.
Kemudian rumah tangga pengguna pinjol yang tergolong menuju kelas menengah (aspiring middle class ) proporsinya 0,21%.
"Akses pinjaman online dua kelompok pengeluaran tersebut cukup tinggi, didorong oleh kemudahan akses layanan dibandingkan dengan meminjam pada bank umum," kata tim Mandiri Institute dalam laporannya.
Sementara pengguna pinjol dari kelompok rumah tangga miskin, rentan, dan kelas ekonomi atas proporsinya lebih sedikit seperti terlihat pada grafik.
Mandiri Institute memisahkan kelas ekonomi masyarakat berdasarkan kriteria berikut:
Miskin: pengeluaran per kapita di bawah garis kemiskinan (GK) Rentan: pengeluaran per kapita antara 1 sampai 1,5 kali GK Menuju kelas menengah: pengeluaran per kapita antara 1,5 sampai 3,5 kali GK Menengah: pengeluaran per kapita antara 3,5 sampai 17 kali GK Atas: pengeluaran per kapita lebih dari 17 kali GK Adapun berdasarkan laporan BPS, nilai garis kemiskinan (GK) nasional pada Maret 2024 adalah Rp582.932 per kapita per bulan.
(Baca: Bukan Pinjol, Ini Kredit yang Banyak Diambil Masyarakat Indonesia )
