<![CDATA[Purpose – This paper examines the role of fintech lending in strengthening national financial inclusion in Indonesia. The topic is important because fintech lending is often promoted as a digital credit channel that can expand access to finance, yet its contribution must be assessed not only from loan growth, but also from regional equity, productive use, borrower inclusion, and credit risk. Design/methodology/approach – This study uses a quantitative descriptive approach with spatial analysis. Secondary data were obtained from OJK’s LPBBTI December 2025 statistics. The analysis covers national and provincial fintech lending indicators, including loan disbursement, borrower accounts, Java and non-Java distribution, productive-sector lending, MSME borrowers, gender distribution, and TWP90. Finding/Results – The findings show that fintech lending has expanded credit access nationally, but its distribution remains concentrated in Java and major economic provinces. Productive-sector lending and MSME participation remain limited, while gender access is relatively balanced. TWP90 also indicates that inclusion must be assessed together with repayment sustainability. Originality/Value – This study contributes by framing fintech lending inclusion through access, equity, productive quality, and risk sustainability. The main implication is that fintech lending policy should move beyond credit expansion toward more productive, regionally balanced, and responsible financial inclusion.]]>
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