According to data from the Indonesian Financial Services Authority, outstanding peer-to-peer (P2P) loans stood at almost 90 trillion rupiah as of September 2025. Just a year prior, the figure stood at about 74.5 trillion rupiah.  JAKARTA: When 43-year-old entrepreneur Dimbon Evans signed up for an account on a digital money lending application in 2019, it felt less like taking on debt and more like unlocking a long-denied convenience. At that time, a few taps on his smartphone using an app