Indonesian P2P Lending Net Yield Calculator

Calculate real interest yields from Indonesian Peer-to-Peer lending platforms after 15% PPh 23 withholding tax.

Indonesia Regulatory Compliance

1. Mathematical Models

Our computation engines represent standard global equations optimized for direct local metrics (0.1% PPh Final sales tax, 11% PPN on commission, 10% net dividend withholding, progressive TER PPh 21, BPJS caps, and BAZNAS Nisab zakat).

2. Strict Precision

Projections are designed strictly as an analysis aid and are aligned with Bank Indonesia, Kemnaker, and standard BEI commercial frameworks for the 2025-2026 fiscal years.

Key Benefits

Strategic Optimization: Instantly simulate different market scenarios to minimize your capital expenses and maximize compounding returns.

Frequently Asked Questions

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Berdasarkan peraturan pajak terbaru di Indonesia, bunga dari P2P Lending dikenakan PPh 23 sebesar 15% bagi pemilik NPWP, dan 30% bagi yang tidak memiliki NPWP.

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Penyelenggara platform P2P Lending resmi (yang berizin OJK) bertindak sebagai pemotong PPh Pasal 23 dan akan memberikan bukti potong pajak kepada pendana (lender).
P2P Produktif membiayai UMKM dengan bagi hasil/bunga teratur, sedangkan konsumtif menyalurkan dana untuk kebutuhan perorangan dengan bunga harian yang lebih tinggi namun risiko gagal bayar lebih besar.
Bunga P2P dilaporkan dalam kelompok penghasilan netto dalam negeri lainnya pada SPT Tahunan menggunakan Bukti Potong PPh 23 dari sekuritas platform.
Layanan P2P Lending aman selama platform tersebut terdaftar dan diawasi oleh OJK (Otoritas Jasa Keuangan) serta tergabung dalam AFPI.

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