Pintek
Pintek is an OJK-licensed Indonesian P2P lending fintech offering education financing (Pintek Regular and Pintek Pro) and supply chain working capital loans to students, parents, and SMEs across Indonesia via its pintek.id digital platform.
- Company typePrivate
- Founded2018
- HeadquartersJakarta Pusat, Indonesia
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What Pintek does
Pintek is an OJK-licensed Indonesian fintech P2P lending platform operating under PT Pinduit Teknologi Indonesia, founded in 2018 and headquartered in Jakarta Pusat. The company runs two distinct product lines: an education financing suite comprising Pintek Regular (tuition and semester fee loans for individuals, Rp 3-300 million per loan, 1-3 day disbursement) and Pintek Pro (vocational training financing with income-contingent repayment linked to employment placement), and a Supply Chain Financing suite comprising Pendanaan Distributor, Pendanaan Supplier, Pendanaan Merchant, Pendanaan Trade Invoice, and Pendanaan Inventory (working capital loans at 0.9%-2.5% monthly flat interest with platform fees up to 4%). The platform is built around digital onboarding, PrivyID and Digisign electronic signatures, Advance AI and Asli RI biometric KYC, BNI virtual account payments, and multi-bureau credit checks via Pefindo, LPIP, and CBI.
Pintek serves three primary customer segments: students and parents seeking education financing at partnered institutions, SMEs and business owners in distribution and trading supply chains needing working capital, and educational institutions (schools, universities, vocational training centers) that integrate Pintek installment plans into their enrollment and revenue cycles. Since inception the company has disbursed Rp 775.99 billion to 3,348+ users and 3,000+ SMEs/businesses, reporting a TKB90 loan repayment success rate of 96.14%, and distributes its products through a hybrid self-serve digital channel, inside sales support, institution partnerships, and the Pintek Edupreneur student ambassador program.
Revenue is generated through transaction-based take rates including interest income on student loans, monthly flat interest on business financing, platform fees, administrative fees, and notary fees, all subject to 11% VAT. The company is majority-owned by Singapore-based Socap Holding Pte. Ltd. (84.74%), with the remainder held by PT Pintek Digital Indonesia, and has raised approximately $28M+ across multiple funding rounds since 2019 from investors including Accial Capital, OCTAVE Capital, Kaizenvest, Global Founders Capital, and Finch Capital. With 51-100 employees, ISO 27001:2013 and ISO 27701:2019 certifications, and OJK license KEP-26/D.05/2021, Pintek operates as a regulated, niche dual-segment lender targeting Indonesia's education access and SME working capital gaps.
Pintek firmographics
Firmographics- Name
- Pintek
- Legal name
- PT Pinduit Teknologi Indonesia
- Website
- https://pintek.id
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Pintek is an OJK-licensed Indonesian P2P lending fintech offering education financing (Pintek Regular and Pintek Pro) and supply chain working capital loans to students, parents, and SMEs across Indonesia via its pintek.id digital platform.
- Ownership category
- akta.pro rank
Pintek industry classification
Industry- Product category
- P2P Lending Platform
- NAICS
- Sales Financing (52222), Other Nondepository Credit Intermediation (52229)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industries
- Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK), Debt Management & Paydown (Student Loans, Credit Cards) (FSAGADAD)
Keywords
Where Pintek is headquartered
LocationHeadquarters
- HQ city
- Jakarta Pusat
- HQ country
- Indonesia
- HQ region
- Asia
Offices2 records
Markets served
Pintek business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Interest Income from Student Loans: Pintek earns interest income by providing financing to students and parents for education costs (tuition, semester fees, courses). Interest rates vary by product type, with Pintek Regular for general education costs and Pintek Pro for professional training programs.
- Supply Chain Financing Fees: Revenue from financing services for businesses including distributor financing, supplier financing, and merchant financing. Fees include platform fees (up to 4%), administrative fees, and notary fees charged on funded transactions.
- Trade Invoice and Inventory Financing: Interest and fee income from providing working capital to businesses based on invoice or inventory collateral. Monthly flat interest rates range from 0.9% to 2.5% depending on borrower profile and loan type.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Distributor Financing: Rp 10 million to billions, 1.5%-2.5% monthly flat interest |
| Transaction based/ take rate | Monthly | Inventory/Working Capital Financing: Rp 10 million to billions, 0.9%-2.0% monthly flat interest |
| Transaction based/ take rate | Monthly | Pintek Regular: Education financing Rp 3-300 million |
| Transaction based/ take rate | Monthly | Pintek Pro: Professional training financing with income-contingent repayment |
| Other | Pay-as-you-go | Late Payment Penalties: 0.8% per day, max 100% of principal |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels7 records
Pintek product offering
Product offeringCore offering
Pintek operates a peer-to-peer lending platform offering two main product lines. The first is Supply Chain Financing (Distributor, Supplier, Merchant, Trade Invoice, and Inventory financing) targeted at SMEs and businesses needing working capital with collateral-free structures and 3–5 day disbursement. The second is Education Financing, comprising Pintek Regular for student tuition loans and Pintek Pro for vocational training, targeted at students and parents with collateral-free terms and 1–3 day disbursement.
Product overview
Pintek operates as a dual-focus fintech lending platform under PT Pinduit Teknologi Indonesia, offering two interconnected product lines. The first is a Supply Chain Financing (SCF) suite comprising Pendanaan Distributor, Pendanaan Supplier, Pendanaan Merchant, Pendanaan Trade Invoice, and Pendanaan Inventory (Modal Kerja) — designed to strengthen working capital for businesses across the supply chain ecosystem from supplier to distributor to retailer. The second is an education-focused lending suite comprising Pintek Regular and Pintek Pro, which provide student loans for tuition fees and vocational training costs. Additionally, Pintek Edupreneur serves as a community engagement sub-brand connecting students with the platform. All products are built on a shared digital platform regulated by OJK and are offered alongside digital onboarding, e-signature, and virtual account payment infrastructure.
Differentiator
Problem solved
Functional benefit
Brands
- Pintek Students: Education financing program offering student loans for tuition fees, course costs, and other educational expenses. Includes Pintek Regular (tuition fee financing) and Pintek Pro (professional training financing for employment placement).
- Pintek Edupreneur
Quantifiable outcome
- Rp 775.99 Billion in total funds disbursed to over 3,000 entrepreneurs and businesses since inception
- +3 more outcomes
Companies that use Pintek
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles3 records
Pintek technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature5 records
Pintek partnerships and signals
Strategic signalPartnerships
20 partnerships are on record, tiered core and secondary.
- PT Privy Identitas Digital (PrivyID)coreElectronic signature service provider certified by Ministry of Communication and Informatics (Kominfo) for digital document signing on loan agreements
- PT Solusi Net Internusa (Digisign)coreAdditional electronic signature and certification service provider for digital loan documentation
- PT Bank Negara Indonesia (BNI)coreVirtual account provider for lender fund disbursement and borrower repayment processing
- PT Advance Intelligent Indonesia (Advance AI)coreUser identification and verification services using AI-powered biometric and identity verification technology
- PT Verihubs Inteligensia Nusantara (Verihubs)corePayment reminder and OTP services via SMS and WhatsApp, with user identification for AML/CFT compliance
- PT Asli Rancangan Indonesia (Asli RI)coreAdditional KYC and identity verification services for user compliance and fraud prevention
- PT Pelita Anugrah Perkasa (PAP)coreThird-party collection service provider registered with AFPI for loan recovery and debt collection
- Pefindo and LPIP (Credit Bureaus)coreCredit information services providing borrower credit history and rating data for risk assessment
- PT Searce Technologies IndonesiacoreCloud storage services for data infrastructure and platform operations
- Institut Teknologi Sepuluh Nopember (ITS)coreUniversity partnership for student loan program, allowing students to finance tuition through Pintek's installment system
- Poltekpar Bali (Politeknik Pariwisata Bali)coreTourism polytechnic partnership for student financing programs
- Hotel and Tourism InstitutionssecondaryPartnerships with hotel and tourism education institutions for student financing
- Borobudur UniversitysecondaryUniversity partnership for education financing programs
- LSP London School of Public RelationssecondaryProfessional training institution partnership for Pintek Pro financing programs
- AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia)coreIndustry association membership for fintech lending companies in Indonesia, providing regulatory guidance and industry standards compliance
- PT Pembayaran Lintas Usaha Sukses (Sijitu)coreUser identification services for AML/CFT compliance verification
- PT Jasnita Telekomindo (Jasnita)coreTelecommunication services for customer outreach and telephone communication
- KJPP Dino Farid & RekancoreAsset and business valuation services per Indonesian Valuation Standards (SPI)
- Kantor Notaris & P.P.A.T. Niken Nidyarna, S.H., M.Kn and KKA Azwir Arifin dan RekancoreProfessional notary services and pension fund, employee benefits, and financial accounting services per Financial Accounting Standards (SAK)
- PT Kredit Biro Indonesia Jaya (CBI)coreCredit bureau services for checking borrower credit ratings and histories
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
Pintek competitors and assessment
Company assessmentEmerging players
- Edufund: Indonesia-focused education financing fintech offering tuition installment plans. Overlaps with Pintek's student loan vertical but with a more recent market entry.
Direct peers
- Modalku (Funding Societies): Southeast Asia's largest SME P2P lending marketplace, operating as Modalku in Indonesia. Directly comparable as a multi-country fintech lender serving SME working capital needs.
- Danacita: Indonesian fintech providing installment-based education financing for tuition and training. Closely comparable to Pintek's Pintek Regular and Pintek Pro education lending products.
- KoinWorks: One of Indonesia's largest OJK-licensed P2P lending platforms offering business and consumer loans. Directly comparable as an OJK-regulated Indonesian fintech lender operating across multiple lending verticals.
- Amartha: Indonesian OJK-licensed P2P lending platform focused on micro and SME financing. Comparable as a domestic P2P lender serving underserved borrower segments with similar transaction-based revenue model.
- Investree: Indonesian OJK-licensed P2P lending platform focused on SME and supply chain financing. Closely comparable to Pintek's distributor/supplier/invoice financing product set and institutional investor model.
- Akseleran: Indonesian OJK-licensed P2P lending platform focused on SME financing including invoice financing. Comparable to Pintek's supply chain and invoice financing products with similar institutional lender model.
Broad incumbents
- Akulaku: Indonesian BNPL and digital lending platform. Comparable in operating in Indonesian consumer credit with embedded lending, but serves a broader mass-market BNPL niche versus Pintek's education/SCF focus.
- Kredivo (FinAccel): Indonesian digital credit platform offering paylater and personal loans. Comparable as a large Indonesian fintech lender but focused on consumer BNPL rather than education/SCF verticals.
Regional players
- Atome (Advance Intelligence Group): Regional BNPL platform operating in Indonesia with consumer credit offerings. Comparable in Indonesian digital lending space but focused on retail BNPL rather than Pintek's education and SCF verticals.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Pintek social profiles
Digital presencePintek compliance and trust
Trust signalCompliance3 records
Pintek financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pintek leadership team
Management profileNumber of profiles
Profiles6 records
Pintek funding detail
Funding detailFunding overview
Funding rounds7 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pintek M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pintek
What does Pintek do?
Pintek operates a peer-to-peer lending platform offering two main product lines. The first is Supply Chain Financing (Distributor, Supplier, Merchant, Trade Invoice, and Inventory financing) targeted at SMEs and businesses needing working capital with collateral-free structures and 3–5 day disbursement. The second is Education Financing, comprising Pintek Regular for student tuition loans and Pintek Pro for vocational training, targeted at students and parents with collateral-free terms and 1–3 day disbursement.
Is Pintek a public or private company?
Pintek is a private company. It is classified as corporate owned and is currently operating.
When was Pintek founded?
Pintek was founded in 2018. It employs 51 to 100 people.
Where is Pintek based?
Pintek is headquartered in Jakarta Pusat, Indonesia, in the Asia region.
How does Pintek make money?
Three revenue lines are on record. Interest Income from Student Loans are the primary driver. The others are supply Chain Financing Fees and trade Invoice and Inventory Financing.
Who are Pintek's main competitors?
Edufund is listed as an emerging player. Direct peers are Modalku (Funding Societies), Danacita, KoinWorks, Amartha, Investree and Akseleran. Broad incumbents are Akulaku and Kredivo (FinAccel). Atome (Advance Intelligence Group) is listed as a regional player.
Does Pintek have an API?
No public API is recorded for Pintek.
What industry is Pintek in?
Pintek's product category is P2P Lending Platform. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAGAHAE, Pricing, Risk-Based Offer & Limit Management. Its NAICS code is 52222 and its SIC code is 6163.