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Reasons to Start Lending with KoinWorks
18% Effective Rate p.a
Multiply your profits with the right lending platform. Maximize your returns as you go with KoinWorks, starting from 18% EAR!
Provision Fund
We are allocating some of our revenues to protect our Lenders' funds which have been distributed through our platform.
From 100,000
Starting from IDR100,000 you can start lending with P2P Lending platform with high EAR, starting from 18% p.a. Online lending with high returns.
Why KoinWorks?
Give outstanding values to both Borrowers and Lenders.
We reduce the costs and inefficiencies to speed up the lending process. It is now far more effective than traditional financial institutions. Creditworthy Borrowers looking for online loan are connected with Lenders looking for growing their assets.
Hence, Borrowers pay less and Lenders earn more. They both will be financially benefited.
Loan Interest Rate & Risk Levels
Your lending will help build Indonesia for the better. KoinWorks provides various products, including Business Loans, Invoice Financing, Education and Health Loans. To see the full Product Variations, please refer to this page
Effective Annual Rate
Starting from
| 12%~ | 15%~ | 18%~ | 21%~ | 24%~ | 38%~ |
1% fee of each repayment for monthly installment
5% fee charged from interest for lump sum repayment
Provision Fund Coverage
| 100% | 80% | 60% | 40% | 20% | 0% |
| Lower Interest Payments | Higher Interest Payments |
| Higher Provision Fund Coverage | Lower Provision Fund Coverage |
Start Lending
With a Few Simple Steps
Sign Up
Create a Lender account and verify your given information in less than 5 minutes.
Choose Loans
Browse the available loans and submit the amount you want to lend in each loan.
Transfer Fund
We will assign you a unique virtual account for your transfer. You can do this before browsing the available loans as well.
Connect
Connect with us using your social media accounts to enhance lending experience.
Fascinating Features
Safe Lending
We use high standards in assessing every loan using Big Data and machine learning algorithm. Only qualified borrowers are approved, thus, you’ll have safe lending with us.
Customizable Portfolio
Sort the loans by interest rate, loan purposes, etc then start lending. Customize your portfolio by lending in various types of loans.
Reputable Partners
We are working with reputable partners to ensure the best loan underwriting, thus, we can provide better experience to our precious users.
Your lending will help the fulfillment of financial democratization in Indonesia and increase the financial inclusion.
©Koinworks 2016. All Rights Reserved.
Registered and Supervised by:
a Member of:
ATTENTION:
- The Information Technology-based Peer to Peer Lending Service is a civil agreement between Lender and Borrower, so that all risks arising from the agreement are borne entirely by each party.
- Every Lender is fully responsible for all credit risks of late or default payments. No national entity or authority is responsible for any such risks.
- The Operator with the approval of the respective Users (Lenders and/or Borrowers) accesses, acquires, stores, administers and/or uses the Users’ personal data of Users ("Data Utilization") on or inside objects, electronic devices (including smartphones or phones cellular), hardwares, softwares, electronic documents, applications or electronic systems belonging to Users or controlled by the Users, by notifying the purpose, limitations and mechanisms of the Data Utilization to the Users concerned before obtaining such consent.
- Lenders who do not have sufficient knowledge and experience on the lending business are advised not to use this service.
- Borrowers should carefully consider the loan interest rate along with other costs in accordance with the ability to pay off the loan.
- Every fraudulent activity is recorded digitally in cyberspace and may potentially be informed to the public through social media networks.
- Every User should read and understand this information before making a decision to become a Lender or Borrower.
- The Government, in this case the Financial Services Authority, shall not be liable for any breach or non-compliance by the User, either the Lender or the Borrower (either by User's intent or negligence) of the provisions of the laws and regulations or agreements or agreements between the Operator and the Lender and/or Borrower.
- Every transaction and lending activity or the implementation of the agreements on lending activity between or involving the Operator, Lender and/or Borrower shall be made through escrow and virtual accounts as required under the Regulation of the Financial Services Authority Number 77 / POJK.01 / 2016 on The Information Technology-based Peer to Peer Lending Service and the violation or non-compliance towards those provisions constitute evidence of a violation of law by the Operator so that the Operator shall bear the indemnity suffered by each User as a direct result of the above breach of the law without prejudice to the right of the User suffering loss according to the Civil Law.
