Why do KoinWorks Product Vary?

KoinWorks opens opportunities for the wider community to get reachable and affordable access to finance.

Business Financing

KoinWorks business financing is focused on the Indonesian SMEs which have online sales activities and have been selling on KoinWorks partners’ online platforms. By working with leading partners, KoinWorks can provide faster and safer services for both Lenders and Borrowers.

On the other hand, the Invoice Financing loan is part of KoinWorks’ Business Financing which can be funded by all of the Lenders on KoinWorks. What distinguishes it from other business loans in general is that the loan is based on an invoice deferred by the Borrower. The interest from the Invoice Financing itself is different from any other business loans.

Education Financing

In order to realize the Smart Indonesia initiative as proclaimed by the government, KoinPintar is present to prepare the young generation in facing global competition through affordable access to education financing. Get an accessible and affordable education financing from KoinWorks through KoinPintar. No need to worry about expensive education fees, it’s now highly affordable with KoinPintar.

Health Financing

Health Financing is specifically provided for the treatment of non-chronic diseases. This financing is focused on health services that can help improve everyday life. Examples of services financed by KoinWorks health financing including the treatment for:
Beauty care, Eyes, Teeth, Pregnancy, Physiotherapy and Medical Checks.

Funds collected from Lenders are also directly given to KoinWorks health financing partners to ensure the certainty and security of your funding.

Lending Product Safety

Each KoinWorks product will go through evaluation phase in the form of data validation and a rigorous credit feasibility analysis process using an updated financial analysis algorithm. All products are also protected by insurance and the KoinWorks Provision Fund. All of this is dedicated to minimizing the risk of lending.

Your lending will help
the fulfillment of financial democratization in Indonesia and increase the financial inclusion.

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or send email to support@koinworks.com
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ATTENTION:

  1. 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.
  2. 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.
  3. 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.
  4. Lenders who do not have sufficient knowledge and experience on the lending business are advised not to use this service.
  5. Borrowers should carefully consider the loan interest rate along with other costs in accordance with the ability to pay off the loan.
  6. Every fraudulent activity is recorded digitally in cyberspace and may potentially be informed to the public through social media networks.
  7. Every User should read and understand this information before making a decision to become a Lender or Borrower.
  1. 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.
  2. 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.

PT Lunaria Annua Teknologi (KoinWorks), as a Peer to Peer (P2P) Fintech Lending, has been officially registered in Financial Services Authority (OJK) with registration number S-1862/NB.111/2017, on April 27, 2017.
Thus, the implementation of its activities is strictly monitored based on OJK Regulation No. 77/01-2016, about the online peer to peer lending service, issued in December 2016.

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