INDODAX Encourages Young Generation to Start Routine Investment in the Middle of the Pinjol and Paylater Phenomenon

JAKARTA - In the midst of easy access to online loans (pinjol) and buy now pay later (BNPL) services, the health condition of the financial health of Indonesia's young generation is considered to require serious attention. Data from the Financial Services Authority (OJK) recorded that 48.65 percent of online loan defaults as of March 2026 came from the age group of 19-34 years.

In the same period, national outstanding loans reached Rp101.03 trillion or grew 26.25 percent year-on-year, while the total BNPL debt touched Rp28.3 trillion from 30.81 million users.

This condition is considered to show the importance of more disciplined financial management from an early age, especially in the midst of high access to digital financial services. In this context, INDODAX encourages young people to build healthier financial habits through regular investment strategies such as Dollar-Cost Averaging (DCA), which is a periodic investment method with a fixed nominal consistently to build long-term assets.

Chief Marketing Officer of INDODAX, Aloysia Dian, said that the high use of loans and paylater among young people shows the inequality between digital consumption patterns and readiness in building long-term financial conditions.

"Today's young generation is very close to technology and digital financial services. At the same time, many do not have the habit of managing finances consistently. In fact, building healthy financial conditions does not always have to start with a large amount. Simple steps such as setting aside at least 5% of cold funds from income for regular investment can form financial discipline in the long term," said Aloysia, in a statement, Tuesday, May 19.

Online loans and BNPL services are basically financial instruments that can be used as needed. However, in the midst of easy access to digital credit and an instant lifestyle, young people are considered increasingly vulnerable to being trapped in consumer behavior that can affect their financial stability in the future.

Meanwhile, OJK data shows that the loan-to-deposit ratio (TWP90) as of March 2026 reached 4.52 percent. This condition reflects that financial management and the use of consumer debt are still a challenge amid increasing access to digital financial services.

At the same time, loan history and payment discipline are also an important part of a person's financial track record, which can affect future financial access, ranging from applying for mortgages, vehicle loans, to business financing.

"Many young generations are not aware that today's financial history can have an impact on their future access to finance. Therefore, it is important to start building healthier financial habits, not only in managing consumption, but also in investing and building assets consistently," continued Aloysia.

To support these needs, INDODAX provides a Routine Investment feature that allows users to make automatic investments on a scheduled basis. In addition, as the best crypto exchange, INDODAX continues to strengthen education for beginner users through various channels to help people understand the risks, basic investment principles, and the importance of building healthier financial habits in the digital era.

As a trading platform for crypto assets that has been operating for more than 12 years in Indonesia, INDODAX confirms its commitment to continue supporting the improvement of financial literacy of the community through education, the development of investment features that are relevant to the needs of today's digital generation, and the strengthening of platform security in accordance with applicable regulations.