What Komida does

Komida is an Indonesian savings and loan cooperative (koperasi simpan pinjam) founded in 2004 and headquartered in Jakarta, serving members with savings accumulation and lending services across Indonesia. The company's web domain, mitradhuafa.com, indicates operational affiliation with Dompet Dhuafa, one of Indonesia's largest Islamic philanthropic organizations, suggesting both a faith-based orientation and access to the Dompet Dhuafa community network for member acquisition and trust-building. With 1,001-5,000 employees, Komida operates a substantial grassroots distribution network reaching underbanked populations that conventional commercial banks underserve, consistent with the group-lending and member-based microfinance model prevalent in Indonesian cooperatives.

The business model centers on mobilizing member savings and deploying those deposits plus third-party capital as microloans to individuals and small enterprises. Revenue is generated through the net interest spread between deposit remuneration and loan yields, supplemented by membership fees and ancillary service charges; pricing is not publicly disclosed. The 2021 capital injection of $7,065,124 from the Belgian Investment Company for Developing Countries (BIO) signals institutional investor support for continued portfolio growth and likely geographic deepening within Indonesia. Technology infrastructure is not disclosed, and the input data contains no information on digital channels, mobile apps, or core banking systems — the absence suggests a traditional, relationship-driven operating model rather than a digitally native one.

Strategically, Komida competes in Indonesia's microfinance sector against fintech lenders (Kredivo, Akulaku, Investree), rural banks (BPR), and competing cooperatives. Its defensibility rests on physical branch density, the trust premium associated with the Dompet Dhuafa brand, and the social collateral inherent in cooperative governance. Key vulnerabilities include limited digital capability, exposure to microfinance asset-quality cycles that intensified during COVID-19, and the broader challenge of serving thin-margin rural segments as fintech competitors push into the same customer base.

Name

Komida

Website

https://mitradhuafa.com

Company type

Private

Founded year

2004

Headcount range

1,001–5,000 employees

Short description

Komida is an Indonesian savings and loan cooperative founded in 2004 and headquartered in Jakarta, providing microfinance savings and lending services to its members across Indonesia, with operational affiliation to the Dompet Dhuafa philanthropic network.

Ownership category

akta.pro rank

Product category

Microfinance / Cooperative Banking

NAICS

Credit Unions (522130), Credit Unions (52213), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Community Development Credit Unions (CDCUs) (FSABAEAC)

Keywords

• Savings and loan cooperative
• Microfinance services
• Member lending
• Community banking
• Cooperative credit

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Core offering

Komida is a savings and loan cooperative that provides financial assistance in the form of savings and loan services to its members. Operating as a cooperative (koperasi simpan pinjam), it accepts deposits from members and extends credit/loans to support member financial needs in Indonesia.

Differentiator

Problem solved

Functional benefit

Products and services

• Member Savings Services Deposit-taking savings products available to members of the cooperative, providing a safe place to store funds and accrue returns as part of the cooperative's mutual model.
• Member Loan Services Credit/loan products extended to members of the cooperative to meet personal, household, or small-business financing needs, operating on cooperative mutual-aid principles.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves2 records

Expansion highlights3 records

Market position

Weaknesses1 record

Competitive moat4 records

Key highlights4 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Komida