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Perempuan yang Gagal Bayar Pinjol Bertambah, Laki-laki Berkurang | Databoks Home Perempuan yang Gagal Bayar Pinjol Bertambah, Laki-laki Berkurang Perempuan yang Gagal Bayar Pinjol Bertambah, Laki-laki Berkurang Jumlah Rekening Penerima Pinjol yang Kreditnya Macet Berdasarkan Gender (September 2023-September 2024)* Sumber : Otoritas Jasa Keuangan (OJK), November 2024
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Penulis: Adi Ahdiat
Editor: Adi Ahdiat
Menurut data Otoritas Jasa Keuangan (OJK), jumlah perempuan pengguna pinjaman online (pinjol) yang kreditnya macet atau gagal bayar lebih dari 90 hari sejak tanggal jatuh tempo meningkat dalam setahun terakhir.
Pada September 2023 ada sekitar 232 ribu rekening perempuan penerima pinjol yang kreditnya macet. Kemudian pada September 2024 jumlahnya naik menjadi 239 ribu rekening.
Hal sebaliknya terjadi di kelompok laki-laki. Pada September 2023 ada sekitar 272 ribu rekening laki-laki penerima pinjol yang kreditnya macet. Lalu pada September 2024 jumlahnya turun menjadi 238 ribu rekening, seperti terlihat pada grafik.
Kendati begitu, rasio kredit macet pinjol di kalangan perempuan masih lebih rendah.
Pada September 2024 nilai kredit macet pinjol perempuan mencapai Rp604,89 miliar, rasionya 1,62% dari nilai total pinjaman yang masih berjalan (outstanding loan ) di kelompok ini.
Di sisi lain, nilai kredit macet pinjol laki-laki per September 2024 mencapai Rp579,10 miliar, rasionya 1,85% dari nilai total pinjaman yang masih berjalan.
(Baca: Tingkat Pengangguran Laki-laki Turun Agustus 2024, Perempuan Naik )
