Danabijak

What Danabijak does

Danabijak, operated by PT Digital Micro Indonesia, is an API-first embedded finance platform headquartered in Jakarta, Indonesia, that delivers digital lending products to Indonesian micro, small, and medium enterprises (UMKM) and individual borrowers through partner digital ecosystems. Its product portfolio spans collateral-free microloans (Dana Bijak), Merchant Cash Advance, invoice financing (Pembiayaan Faktur), purchase financing (Pembiayaan Pembelian), and salary advance loans (Pinjaman Gaji), with additional borrower-facing surfaces RIPLAY and UKM Dana Bijak. The company serves three constituencies: platform partners that white-label credit into their UX, institutional lenders seeking exposure to Indonesian MSME credit, and end borrowers accessing loans through embedded flows. Cumulative operating metrics cited by the company include 500,000+ loans disbursed, 3,000,000+ borrower credit scores generated, and Rp 1 Trillion+ in total disbursements across an 8+ year operating history.

The platform is built on an API-first architecture featuring automated KYC with fraud detection, ML-based credit assessment, an OJK-compliant regulatory framework, end-to-end loan servicing and collections, a banking ledger, and advanced analytics. Danabijak holds a permanent Indonesian fintech license from OJK (KEP-92/D.05/2021, granted 2021) and is registered with AFPI, KOMINFO, KAN, and LSP, and ISO-certified. The company reports a TKB90 (90-day loan resolution rate) of 74.28%. Named distribution partners include Mekari, GoTyme, Olsera, CareNow, FLIN, Finn, Kantara, and Wagely, spanning POS, accounting software, healthcare, neobanking, and earned-wage-access verticals.

Danabijak monetizes through transaction fees on loans originated through its embedded infrastructure, with custom B2B pricing tied to partner volume and product mix; specific take rates are not publicly disclosed. The go-to-motion is primarily API/embedded distribution complemented by enterprise field sales with a five-step onboarding funnel (application review, product consultation, lender matching, API integration, operational launch). The company is privately held under Singapore parent Digital Micro Pte Ltd, operates only in Indonesia, and reports a headcount of 11–50 employees.

Name

Danabijak

Legal name

PT Digital Micro Indonesia

Website

https://danabijak.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Danabijak is an API-first embedded finance platform that provides digital lending products, including microloans, Merchant Cash Advance, and invoice financing, to Indonesian MSMEs and individuals through white-labeled integrations with partner platforms, operating under a permanent OJK fintech license.

Ownership category

akta.pro rank

Product category

Embedded Digital Lending

NAICS

Sales Financing (52222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

akta.pro secondary industry

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)

Keywords

• Embedded lending platform
• Microloan services
• Fintech infrastructure
• API credit solutions
• MSME financing

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Loan Transaction Fees: Revenue generated from loan disbursements and transactions processed through the embedded finance platform. The platform connects lenders with borrowers through partner ecosystems and earns fees per loan transaction.
2. API Integration Services: Fees charged to platform partners for embedding loan products through Danabijak's API infrastructure, enabling partners to offer credit to their users.
3. Revenue from Transaction Financing: Partners generate revenue from financing transactions while Danabijak handles the underlying lending infrastructure, compliance, and risk management.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Danabijak operates an embedded finance platform that connects lenders with borrowers through API integration into partner digital ecosystems. It provides collateral-free microloans and credit products including merchant cash advance, invoice financing, purchase financing, and salary loans to Indonesian MSMEs and individual borrowers. The platform is operated under PT Digital Micro Indonesia with a permanent OJK fintech license and serves as the lending infrastructure behind partner platforms such as Mekari, GoTyme, CareNow, FLIN, Olsera, and others.

Product overview

Danabijak is an embedded finance platform operated by PT Digital Micro Indonesia, offering a suite of digital financing solutions through its core platform and multiple product modules. The platform provides collateral-free online loans (Dana Bijak) as the primary offering, supplemented by Merchant Cash Advance (MCA), invoice financing, purchase financing, and salary loans. The ecosystem includes RIPLAY for direct borrowers and UKM Dana Bijak for SME financing. All products integrate via the Dana Bijak API into partner platforms including Mekari, CareNow, FLIN, Olsera, Kentara, Finn, and GoTyme, enabling real-time credit assessment, instant approval, and fast disbursement while maintaining regulatory compliance through the company's full OJK fintech license.

Differentiator

Problem solved

Functional benefit

Products and services

• Dana Bijak (Core Platform) Flagship embedded finance platform providing digital financing solutions that connect businesses, partners, and individuals through secure digital financing integration, with real-time approval and disbursement.
• Merchant Cash Advance (MCA)

Quantifiable outcome

• 500K+ loans disbursed through the platform
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature8 records

Partnerships

Eight partnerships are on record, tiered core and major.

• MekaricoreOEM/ Whitelabel/ Licensing PartnerMekari integrates Danabijak's loan products into their business management platforms (Mekari Jurnal, Mekari Capital). Partnership enables payroll loans and business financing for Mekari users. Testimonials indicate efficient disbursement facilitation and excellent communication.
• GoTymecoreOEM/ Whitelabel/ Licensing PartnerGoTyme launched Flexible Funding solution powered by Danabijak for small businesses in Indonesia. Danabijak enabled quick product launch with committed, capable, and transparent team support.
• OlseracoreOEM/ Whitelabel/ Licensing PartnerOlsera, as a business management solution for MSMEs, partnered with Danabijak to offer easy access, fast, and transparent financing products. Partnership since 2025.
• CareNowmajorOEM/ Whitelabel/ Licensing PartnerHealthcare platform integrating Danabijak loan products for their users
• FLINmajorOEM/ Whitelabel/ Licensing PartnerDigital platform partner offering Danabijak-powered financing solutions
• FinnmajorOEM/ Whitelabel/ Licensing PartnerPartner platform providing Danabijak loan products to their users
• KantaramajorOEM/ Whitelabel/ Licensing PartnerPartner platform integrating Danabijak financing solutions
• GoTymecoreOEM/ Whitelabel/ Licensing PartnerGoTyme launched Flexible Funding solution powered by Danabijak enabling small businesses to access financing in Indonesia. Danabijak proven to be a trustworthy partner with committed, capable, and transparent team. Partnership since 2025.

Scale indicators10 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kredivo: Indonesian digital credit/BNPL platform providing instant credit financing to consumers and merchants. Overlaps with Danabijak's purchase financing and merchant-embedded credit offerings in Indonesia.
• Investree: Indonesian P2P lending platform providing invoice financing, working capital loans, and SME financing. Holds an OJK license and is a direct comparable in Indonesian MSME embedded lending.
• Modalku (Funding Societies): Indonesian P2P lending platform focused on SME financing across Southeast Asia. Operates with an OJK license and competes directly with Danabijak for Indonesian MSME borrowers and lender capital.
• Akseleran: Indonesian P2P lending marketplace focused on SME financing with OJK registration. Competes in the same Indonesian MSME lending category as Danabijak.
• Amartha: Indonesian fintech lender focused on financial inclusion for micro and small businesses, particularly in rural and unbanked segments. Competes with Danabijak in the Indonesian MSME lending space with OJK registration.
• KoinWorks: One of Indonesia's largest P2P/SME lending platforms, offering business loans and personal financing to individuals and MSMEs via a digital platform. Directly competes with Danabijak in the Indonesian MSME lending market.

Others

• Mekari: Indonesian business management SaaS platform (accounting, payroll, HR). A core Danabijak distribution partner via Mekari Capital — included as a key ecosystem/partner comparable rather than a competitor.
• GoTyme: Indonesia-focused digital banking and merchant services platform. A 2025 distribution partner of Danabijak for Flexible Funding — included as an ecosystem/partner comparable rather than a competitor.

Regional players

• Validus: Singapore-headquartered SME lending platform operating across Southeast Asia including Indonesia. Comparable as a regional digital lender serving MSMEs through institutional capital.

Emerging players

• Atome: SEA BNPL platform that embeds financing into merchant checkout experiences. Comparable to Danabijak's Merchant Cash Advance and purchase financing products embedded at partner POS/checkout.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/danabijakofficial
• LinkedInlinkedin.com/company/danabijak
• Instagraminstagram.com/danabijak
• Xx.com/danabijak

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors2 records

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 Danabijak