January marked a slow start to the year, with loan volume contracting by 9.17%, extending the decline from previous months. Outstanding balances also dipped, down 2.34%, signalling a more cautious lending environment. Delinquency trends were mixed—while Par 90 improved slightly, decreasing by 0.13%, Par 30 and Par 60 edged up by 0.24% and 0.28%, respectively, indicating some early-stage repayment pressures. The collection rate fell by 1.91%, reinforcing ongoing challenges in payment recoveries. Meanwhile, loan terms shortened by 1.73%, and interest rates climbed by 0.65%, which may impact affordability for borrowers but provide some relief to lender margins. As 2025 progresses, navigating portfolio stability amid shifting borrower dynamics will be a key priority.
A full breakdown of the calculations for these metrics is available here.
| Indicator | January MoM |
|---|---|
| Volume | -9.17% |
| Outstanding Balance | -2.34% |
| Par 30 | 0.24% |
| Par 60 | 0.28% |
| Par 90 | -0.13% |
| Collection Rate | -1.91% |
| Term | -1.73% |
| Interest | 0.65% |