Enter the KoinP2P website at https://koinp2p.com/ and the TKB90 percentage will be visible next to the OJK logo.

TKB90 is a number that shows how well the loan repayment performance is. The higher the percentage of TKB90 listed, the better the lending and borrowing operations are carried out.

The calculation formula used for TKB90 is as follows:

TKB90 = 100% – NPL90

NPL90 is determined using the calculation:

(Outstanding bad debts over 90 days/Overall outstanding) x 100%.