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The Connection that Works
Indonesian largest true P2P Fintech Lending that connects Lenders and Borrowers.
Registered Lenders
Since Aug 2016
Start from
IDR 100.000
And get the opportunity to earn
21.32%* p.a.
(*) Lenders’ average annual gross earning in 2017, excluding tax
Prove it Yourself!
Estimated return on your lending in 1 year
Why KoinWorks
What is KoinWorks?
KoinWorks is the leading Indonesian Fintech Lending company, provides online P2P Lending services with innovative machine learning, connecting Lenders & Borrowers into an online platform. Lenders can start lending with as low as IDR 100,000 and Borrowers can apply for a loan online with low monthly interest rate.. Learn More
Our Advisor
Borrower Testimoni
Applying loan at KoinWorks is really helpful, with their 6 months grace period program and low interest rate.
The process at koinworks is fun, easy and their system is really cool. Applying loan at KoinWorks is also cheaper compared to other places.
KoinWorks provides a loan system that really helps. The loan process is very easy and the fee is low.
KoinWorks is able to provide a loan without collateral but still with low interest rate and competitive fees compared to traditional financing institutions
KoinWorks Statistic
(as of July 29th 2019)
As Seen On
"KoinWorks applies strict fraud-checking system and creates new specialized algorithm to analyze loans. From the regulations side, KoinWorks regularly consults with OJK (Otoritas Jasa Keuangan) either directly or through their legal team."
"Innovation presented by KoinWorks is enabling Lenders and Borrowers to ‘meet’ through efficient and effective online loan system compared to traditional banking system. The concept is called Peer to Peer (P2P) Lending concept or crowdfunding."
"Other than improving SME’s business in Indonesia, KoinWorks comes in with social mission to develop education and health sector in Indonesia through their KoinPintar and KoinSehat."
"KoinWorks has a role as a service provider where Lenders and Borrowers help each other. Lender has nothing to worry about because all Borroweres in KoinWorks are analyzed using KoinsWorks' own algorithm and risk-analysis process before being approved."
Our Partners
Hi, We've Missed You!
We notice that you have previously created an account on KoinSehat but have not finished the application process. You can always continue your loan application process by clicking the 'Continue' button.
Success Rate
Based on Financial Services Authority (OJK) latest policy about the publication of The Success Rate of Peer-to-Peer Lending Settlement Obligation, No. S-227/NB.21/2019, on April 9th 2019, KoinWorks as the Information Technology-based P2P Lending services obliged to publish the success rate on our main page (TKB90).
The higher the percentage of TKB90, the better the implementation.
The calculation formula used for TKB90 is as follows:
TKB90 = 100% - NPL90
NPL90 is determined using calculations:
| Outstanding NPL (above 90 days) | x 100% |
| Total outstanding |
©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.
