JAKARTA, Indonesia, Dec. 23, 2025 /PRNewswire/ -- As a fintech company committed to improving quality of life through digital financing, PT JULO Teknologi Finansial (JULO) continues to expand its role in advancing financial inclusion and literacy across Indonesia, including underbanked communities across the country. Over nine years of operation, JULO has reached 3.28 million users nationwide, across Indonesia's 38 provinces from Aceh to Papua.
As of December 2025, JULO has disbursed more than USD 1.7 billion in total financing to support a wide range of user needs. Of this amount, USD 380 million was allocated to business capital across various sectors, including food and beverage (F&B) businesses, online merchants, and service-based enterprises. JULO has also supported access to education through total financing of USD 108 million, which was used for school tuition fees, uniforms, and learning materials.
Beyond supporting business activities and education, JULO has also helped its users create comfortable living environments through home renovation financing totaling USD 63 million. In addition, users have also utilized a total of USD 45 million to cover healthcare expenses, ranging from prescription redemptions to medical consultations across thousands of healthcare facilities nationwide.
Anisa, a JULO user since 2023, utilized her credit limit to realize her aspiration of starting a small business. "I had long wanted to start a small venture to increase my income and savings. Once I received my credit limit from JULO, I immediately used it as business capital. The process was fast, straightforward, and the funds were disbursed quickly. Today, the snack business I run has become a steady source of additional monthly income," she shared.
With credit limits of up to IDR 50 million, JULO provides users with the flexibility to manage multiple financial needs simultaneously. Gita L, a JULO user based in Semarang, has been utilizing her credit limit since 2023 to support both her business operations and her child's education. "I use JULO to manage my business cash flow. There were also times when significant school expenses came up at the same time, and I relied on JULO. So far, everything has been running smoothly because I always make payments before the due date." he explained.
Beyond providing financing, JULO also prioritizes payment convenience as part of its commitment to sustainable financial inclusion. With interest rates starting from 0.1% per day, users are given the flexibility to align installments with their payday, benefit from incentives for early repayment, and choose from a wide range of payment methods, including autodebit and payments via convenience stores.
Supported by responsible financing practices and accessible payment systems, JULO has maintained a 90-day repayment success rate (TKB90) of 98.69% as of November 2025, in line with regulations set by the Financial Services Authority (OJK).
President Director of JULO, Harri Suhendra, said, "Over JULO's nine-year journey, we have seen firsthand how access to the right financing can help people improve their quality of life. The trust and loyalty of our users reflect the tangible impact of our efforts in advancing financial inclusion. Going forward, JULO will continue to expand its service reach while strengthening financial literacy to ensure that credit is used in a safe, healthy, and responsible manner."
To reach a wider user base, JULO officially launched its application on the iOS platform in 2025, complementing its previously optimized Android services. Alongside this expansion, JULO has consistently reinforced its commitment to data security and user protection by maintaining internationally recognized certifications, including the successful completion of ISO 27001:2022 and ISO 27701:2019 audits in 2025.
About JULO
JULO is an innovative Indonesian financial technology company committed to providing accessible digital credit solutions through a smartphone-based application. Easy and affordable access to credit empowers individuals to meet their financial needs, improve quality of life, increase productivity, and support the circulation of the national economy.
JULO is also among the first fintech companies in Indonesia to implement a fully digital credit underwriting process at a national scale, supported by a proprietary risk assessment platform. This platform enables end-to-end consumer credit applications and creditworthiness assessments directly through a mobile application.
Founded in 2016, JULO's loan services are now accessible nationwide across Indonesia. Headquartered in Jakarta, JULO is backed by leading venture capital firms, including Credit Saison, Skystar Capital, Saratoga Investama, East Ventures, Quona Capital, Central Capital Ventura, MDI Ventures, and Gobi Partners.
JULO officially obtained its operating license as a registered fintech lending provider from the Indonesian Financial Services Authority (Otoritas Jasa Keuangan/OJK) under Decree No. KEP-16/D.05/2020 dated May 19, 2020. Since entering Indonesia's peer-to-peer lending industry, JULO has secured multiple funding rounds, including a US$10 million Series A funding in 2018 and a US$80 million Series B funding in 2022. These investments have enabled JULO to continuously expand its services and deliver practical, accessible digital credit solutions to communities across Indonesia.
To date, the JULO application has been downloaded by more than 10 million users and has disbursed digital credit to over 3 million borrowers nationwide. JULO has also received several awards in recognition of its commitment to social impact, business ecosystem development, and innovation in the financial services landscape, including Winner of the Indonesia Fintech Festival (2016), Winner of the UN FinTech Challenge (2018), Winner of Inclusive Fintech 50 (2019), Financial Inclusion of the Year and Consumer Lending Product of the Year at the Asian Banking and Finance Retail Banking Awards 2024, as well as Asia FinTech Awards 2024.
For more information about JULO, please visit www.julo.co.id.
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Nine Years of Impact: JULO Disburses USD 1.7 Billion in Digital Financing Across Indonesia
An open call for schools, companies and communities across Hong Kong to participate
HONG KONG, April 2, 2026 /PRNewswire/ -- Earth Day, on 22 April, is recognised globally as a day for environmental awareness and action. It is a moment to reflect on our relationship with nature and the climate, and to turn concern into practical steps at home, at school, and at work. It also serves as a reminder to care for our shared home—and that when many people take small actions together, the collective impact can be significant.
To mark Earth Day, The Nature Conservancy (TNC) is launching Dress Green Day 2026, inviting schools, organisations, corporates and the wider community across Hong Kong to join Dress Green Day – a simple, inclusive participation initiative designed to make Earth Day visible in everyday life, and to encourage practical actions that can continue beyond a single day.
Why Dress Green: A Visible Reminder to Act
Dress Green Day uses a simple signal – wearing green – to create a visible, shared moment across the city. TNC emphasises that wearing green alone does not solve the environmental crisis; it is intentionally symbolic — serving as a signal and reminder that environmental responsibility starts with awareness and daily choices.
In a dense, fast‑paced city like Hong Kong, small, visible cues can be powerful—whether it is a green T‑shirt, a reusable bottle, a green accessory or even a simple pin—prompting reflection, conversation and action, both individually and collectively.
To move beyond symbolism, participants are encouraged to complete "One Green Act" on Earth Day. Examples include bringing a reusable bottle, cup or lunchbox; reducing waste and refusing single‑use plastics; choosing public transport or walking shorter distances; saving energy by switching off lights or setting air‑conditioning responsibly; recycling properly; taking a nature walk to reconnect with the environment; choosing greener meals; reusing items at home and in the workplace. These everyday actions, multiplied across a city, can contribute meaningfully to resource conservation, emissions reduction and long‑term behaviour change.
Kay Tse partners with TNC to Amplify Dress Green Day 2026
TNC is honoured to have the support of Hong Kong artist Ms. Kay Tse (謝安琪), who joins Dress Green Day 2026 as an Earth Day Supporter, helping bring the message to a wider audience.
"Caring for the Earth can begin with something simple. One thought, one choice, one small act — even the colour we wear can express what we value. I'm happy to support Dress Green Day, and I hope everyone will join me on 22 April to wear green, act green, and show our love for the planet we share."
— Kay Tse, Earth Day Star Supporter
A Simple Way to Join Bigger Conservation Solutions
While Dress Green Day is intentionally simple, it reflects a belief central to TNC's science‑based conservation approach: long‑term environmental solutions require both ecological action and public engagement.
In Hong Kong, TNC is advancing conservation work ranging from endangered oyster reefs restoration to nature‑based solutions for coastal resilience, marine ecosystem recovery, and expanded environmental education and community engagement. Across the Asia Pacific, TNC works to protect coral reefs, forests and coastal ecosystems, support sustainable fisheries, and help communities adapt to climate change.
Dress Green Day offers an accessible entry point for the public to connect everyday choices with these broader conservation efforts — because meaningful change often begins with small actions, taken together.
How to Participate
Individuals are invited to wear something green on 22 April, take one small green action, and share a green moment using #DressGreenHK and tagging @tnc_hk.
Schools and corporates who would like to participate or learn more can register or enquire by emailing hkmkt@tnc.org. More information is available at www.tnc.org.hk.
Through one colour, one action and one shared day, Hong Kong can come together for the planet — and show how small steps, taken together, add up.
Share Your Green Moment
Individuals, schools and organisations are invited to submit Earth Day photos of themselves wearing green to The Nature Conservancy (TNC) via WhatsApp, direct message to TNC on Instagram or Facebook, or by email to hkmkt@tnc.org.
Selected photos may be featured, on a random basis, as part of the Dress Green Day montage across TNC's social media platforms and on MTR Urban Line digital panels at various stations on Earth Day. (Feature opportunities are subject to availability and final arrangements.)
Optional Support for Conservation
Participation in Dress Green Day is free and open to all. For those who wish to further support The Nature Conservancy's science‑based conservation work in Hong Kong and across Asia Pacific, voluntary donations are welcome. Contributions will help advance long‑term efforts— from marine ecosystem restoration and nature‑based climate solutions to environmental education and community engagement.
Donations can be made at: https://act.tnc.org.hk/c/L8ML
About The Nature Conservancy Hong Kong (TNC)
The Nature Conservancy (TNC) is a global conservation organization dedicated to conserving the lands and waters on which all life depends. Guided by science, we create innovative, on-the-ground solutions to our world's toughest challenges so that nature and people can thrive together. We are tackling climate change, conserving lands, waters and oceans at an unprecedented scale, providing food and water sustainably and helping make cities more resilient. The Nature Conservancy is working to make a lasting difference around the world in 83 countries and territories (39 by direct conservation impact and 44 through partners) through a collaborative approach that engages local communities, governments, the private sector, and other partners. TNC has been in Asia Pacific for over 30 years with projects in Australia, mainland China, Hong Kong, India, Indonesia, Mongolia, New Zealand, and the Pacific Islands. In 2019, TNC was awarded the Lui Che Woo Prize for Sustainable Development. To learn more. please visit:
Website: http://www.tnc.org.hk
Facebook: TNC HK 大自然保護協會
Instagram: @tnc_hk
LinkedIn: The Nature Conservancy in Hong Kong
For photos download, please visit: LINK
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Wear Green. Act Green. Join Dress Green Day This Earth Day
