Terry KS Indonesian fintech firm JULO has disbursed over USD1.7 billion in financing over nine years, reaching 3.28 million users nationwide and supporting businesses, education, healthcare, and housing needs. The milestone underscores JULO’s growing role in advancing inclusive and responsible digital finance across Indonesia.
INDONESIA, 24 DECEMBER 2025 – PT JULO Teknologi Finansial (JULO) has marked its ninth anniversary by highlighting its expanding role in advancing financial inclusion and improving quality of life through digital financing across Indonesia. Since its establishment, the fintech company has reached 3.28 million users across all 38 provinces, from Aceh to Papua, including underbanked communities nationwide.
As of December 2025, JULO has disbursed more than USD1.7 billion in total financing to support a wide range of essential needs. Of this amount, USD380 million was allocated as business capital for sectors such as food and beverage, online commerce, and service-based enterprises. The company has also facilitated access to education through USD108 million in financing, covering expenses such as school fees, uniforms, and learning materials.
In addition to business and education support, JULO has helped users improve their living conditions through USD63 million in home renovation financing. Healthcare needs have also been addressed, with USD45 million utilized for medical consultations, prescription costs, and treatments across healthcare facilities throughout the country.
User experiences reflect the platform’s impact on everyday livelihoods. Small business owners have leveraged JULO’s financing to start or expand income-generating activities, while others have relied on the service to manage cash flow and meet education expenses. With credit limits of up to IDR50 million, users are able to address multiple financial needs through a single digital platform.
JULO has also emphasized payment flexibility as a key component of sustainable financial inclusion. Offering interest rates starting from 0.1% per day, the platform allows users to align repayments with payday cycles, benefit from early repayment incentives, and choose from multiple payment channels, including autodebit and convenience stores.
Supported by responsible lending practices and accessible payment systems, JULO recorded a 90-day repayment success rate (TKB90) of 98.69% as of November 2025, in compliance with regulations set by Indonesia’s Financial Services Authority (OJK).
President Director Harri Suhendra said the company’s nine-year journey demonstrates how access to appropriate financing can meaningfully improve people’s lives. He added that JULO will continue expanding its reach while strengthening financial literacy to promote safe, healthy, and responsible credit usage.
To further broaden accessibility, JULO launched its iOS application in 2025, complementing its Android services. The company has also reinforced its focus on data security and user protection, completing ISO 27001:2022 and ISO 27701:2019 certifications in the same year, as it continues to scale its digital financial services across Indonesia.