AdaPundi
AdaPundi (PT Info Tekno Siaga) is an OJK-licensed Indonesian P2P lending platform that provides collateral-free, mobile-first digital loans from Rp100,000 to Rp100,000,000 to unbanked individuals and micro/small enterprises, earning revenue through transaction and channeling fees from bank partners including DBS Indonesia.
- Company typePrivate
- Founded2018
- HeadquartersDki Jakarta, Indonesia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What AdaPundi does
AdaPundi (legal entity PT Info Tekno Siaga) is an Indonesia-licensed peer-to-peer lending platform operating under OJK license KEP-48/D.05/2021 (issued June 2, 2021) and AFPI membership. Founded in 2018 and headquartered in South Jakarta, the platform connects individual and institutional lenders (Pemberi Dana) with borrowers (Penerima Dana) via a mobile app and web interface, delivering fully digital loans from KYC through disbursement in approximately 15 minutes using only a KTP (national ID) and phone number. Loan tenors range from 30 to 360 days with daily interest between 0.03% and 0.3%, and per-borrower credit limits up to Rp100,000,000 determined by an automated credit-scoring system integrated with SLIK and the Fintech Data Centre (FDC).
The underlying technology stack combines digital KYC with computer-vision selfie verification, electronic signature via Privy, automated risk and fraud detection (including voice analysis), virtual account and escrow infrastructure mandated under POJK 40/2024, and ISO/IEC 27001:2022-certified information security management. Distribution is product-led-growth: customers self-onboard through Google Play and App Store downloads. Bank loan-channeling partnerships — most prominently DBS Indonesia (initial February 2024, Phase 2 expanded October 2025), plus BCA, BNI, SeaBank, and Bank Neo Commerce — supply institutional capital, while repayment is collected through virtual accounts across multiple Indonesian banks and Alfamart outlets.
AdaPundi earns revenue primarily through transaction fees on P2P lending interest (0.03%–0.3% daily) and facilitation/channeling fees from partner banks. Its primary customer segments are unbanked and underbanked Indonesian individuals (Karyawan and Wiraswasta aged 18–64 with minimum monthly income of Rp3,000,000) and micro/small enterprises (UMKM), with secondary segments including university students reached through 28 financial-literacy programs. Reported scale includes 30+ million users served, 724,000+ MSMEs funded, 92.51% loan portfolio quality in the Current (Lancar) bucket, and TKB90 of 100% as of August 2025. Q1 2026 business growth was approximately 5%, against an industry backdrop of 25.06% YoY growth in outstanding P2P financing (OJK data, June 2025).
AdaPundi firmographics
Firmographics- Name
- AdaPundi
- Legal name
- PT Info Tekno Siaga
- Website
- https://adapundi.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- AdaPundi (PT Info Tekno Siaga) is an OJK-licensed Indonesian P2P lending platform that provides collateral-free, mobile-first digital loans from Rp100,000 to Rp100,000,000 to unbanked individuals and micro/small enterprises, earning revenue through transaction and channeling fees from bank partners including DBS Indonesia.
- Ownership category
- akta.pro rank
AdaPundi industry classification
Industry- Product category
- Peer-to-peer (P2P) digital lending
- NAICS
- Consumer Lending (522291), Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
Keywords
Where AdaPundi is headquartered
LocationHeadquarters
- HQ city
- Dki Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices3 records
Markets served
AdaPundi business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Interest Income from P2P Lending: AdaPundi earns interest income by facilitating loans between lenders (Pemberi Dana) and borrowers (Penerima Dana). Interest rates range from 0.03% to 0.3% per day depending on borrower risk profile. The company charges interest and fees on outstanding loans. Total repayment example: Rp100,000 loan results in Rp109,000 repayment (Rp9,000 total interest at 0.3% daily over 30-day tenor).
- Loan Channeling Fees: Revenue generated through loan channeling partnerships with banks such as DBS Indonesia, where AdaPundi acts as a distribution channel for bank-sourced lending capital, earning referral or facilitation fees for originating loans on behalf of partner financial institutions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Minimum Loan: Rp100,000 principal, Rp109,000 total repayment at 0.3% daily interest, Rp9,000 total interest over 30 days |
| Transaction based/ take rate | Pay-as-you-go | Maximum Loan Limit: Rp100,000,000 |
| Freemium | Multi-year contract | Pundiversary Ke-8 Promo (June 8 – July 8, 2026): New users receive 0% interest for up to 30 days on first loan + up to 100,000 bonus points; existing members V1–V9 receive exclusive vouchers up to 2x normal value; referral bonuses increased up to 2x per successful referral |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
AdaPundi product offering
Product offeringCore offering
AdaPundi operates an OJK-licensed peer-to-peer (P2P) lending platform that matches individual and institutional lenders with Indonesian consumers and MSMEs via a mobile-first app, originating collateral-free digital loans of Rp100,000 to Rp100,000,000 with 30–360 day tenors and daily interest of 0.03%–0.3%. The end-to-end digital flow covers e-KYC (KTP + selfie + OTP), automated credit scoring against SLIK and FDC data, electronic contract signing, and ~15-minute disbursement, with repayments collected via bank virtual accounts and Alfamart outlets. The platform also serves a lender/investor side ('Pendanaan') and earns ancillary fees from bank loan-channeling partnerships (notably DBS Indonesia).
Differentiator
Problem solved
Functional benefit
Products and services
- Pinjaman Adapundi (Collateral-free digital loan product) Pinjaman Adapundi is the company's core consumer and MSME digital lending product: a collateral-free loan available via the Adapundi mobile app using only a KTP (national ID) and phone number. Loans range from Rp100,000 to Rp100,000,000 with tenors of 30–360 days and daily interest rates of 0.03%–0.3% (subject to POJK 40/2024 caps of 0.3%/day for ≤6 months and 0.2%/day for >6 months). Targeted at unbanked/underbanked Indonesian consumers (karyawan, wiraswasta) and UMKM owners needing fast working capital or emergency funds, with end-to-end ~15-minute digital processing, automated credit scoring using SLIK OJK and FDC data, and repayment collected via virtual account and Alfamart.
- Pendanaan Adapundi (Lender/investor side of the P2P platform) Pendanaan is the funding/lender side of Adapundi's P2P platform, offered to Indonesian individuals (both professional investors earning above Rp500 million annually and non-professional lenders) and institutional counterparties seeking yield above bank deposits. Lenders supply capital that the platform matches against borrower loans, with the platform handling loan matching, escrow account management, and virtual account administration in compliance with POJK 40/2024. Reported lender-side outcomes include 100% Current (Lancar) lender fund quality and 100% TKB90 on-time repayment rate as of August 2025.
Quantifiable outcome
- 92.51% loan portfolio quality (Lancar) with lender fund quality at 100% Current
- +5 more outcomes
Companies that use AdaPundi
Customer profileNamed customers7 records
Segments4 records
Ideal customer profiles3 records
AdaPundi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature4 records
AdaPundi partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- Universitas Udayana (Bali)minorAdaPundi partnered with Universitas Udayana in Bali to conduct a financial literacy and inclusion program on April 17, 2026, targeting tourism students and local MSMEs. The event addressed the prevalence of illegal P2P lending and promoted responsible digital financial services.
- Universitas Hasanuddin (Makassar)minorAdaPundi partnered with Universitas Hasanuddin in Makassar on May 22, 2026, for a financial literacy event titled 'Duit Digital: Pintar Genggam Keuangan Bersama Pindar' with over 100 participants. The program covered digital financial management, credit scoring, and responsible fintech lending as the 28th financial literacy program AdaPundi has conducted.
- Yayasan Sayap Ibu BintarominorAdaPundi collaborated with Yayasan Sayap Ibu Bintaro in March 2026 for its 'Pundi Kebaikan Ramadan' CSR program, donating 2 sewing machines and educational supplies to support children with multi-disabilities (Hydrocephalus, Cerebral Palsy, Down Syndrome). Founded in 2005, the foundation operates the first special education school in Banten Province.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
AdaPundi competitors and assessment
Company assessmentDirect peers
- Amartha: Indonesian OJK-licensed P2P lending platform focused on financing micro and small women-led businesses (UMKM); directly comparable to AdaPundi's MSME lending segment under the same LPBBTI regulatory framework.
- KoinWorks: Indonesian OJK-licensed P2P lending platform serving SMEs and individuals; competes head-on with AdaPundi in unsecured consumer and SME credit through a similar mobile-first product.
- Investree: One of Indonesia's earliest OJK-licensed P2P lenders focused on SME supply-chain and working-capital financing; directly comparable product set and regulatory posture.
- DanaRupiah: Indonesian OJK-regulated P2P platform extending small-ticket unsecured loans to underbanked borrowers — essentially the same niche and product as AdaPundi's consumer book.
- Akseleran: OJK-licensed Indonesian P2P platform offering SME and consumer financing; comparable loan-channeling and origination model to AdaPundi.
- Komunal (formerly Modalku/Funding Societies): Indonesian arm of Funding Societies offering OJK-regulated P2P SME financing — directly comparable marketplace model serving the same MSME borrower base.
Emerging players
- Kredivo: Indonesia-focused digital credit/BNPL provider serving underbanked consumers with point-of-sale financing; overlaps with AdaPundi's consumer short-tenor credit offering via a different product structure.
- Pinjam Modal: OJK-registered Indonesian P2P lender providing working-capital loans to SMEs, operating with similar risk-based pricing and mobile origination as AdaPundi.
Broad incumbents
- Akulaku: Established Southeast Asian digital lending and BNPL platform with deep Indonesian presence; competes with AdaPundi in consumer credit for unbanked/underbanked segments though it spans a broader product portfolio.
- Bank Digital (Blu by BCA / SeaBank / Bank Neo Commerce): Digital banks in Indonesia increasingly encroaching into small-ticket unsecured consumer and MSME lending; represents structural competition for AdaPundi's core unsecured consumer book.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
AdaPundi social profiles
Digital presenceAdaPundi financial estimates
Financial estimateRevenue estimate
Valuation estimate
AdaPundi leadership team
Management profileNumber of profiles
Profiles3 records
AdaPundi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AdaPundi 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 AdaPundi
What does AdaPundi do?
AdaPundi operates an OJK-licensed peer-to-peer (P2P) lending platform that matches individual and institutional lenders with Indonesian consumers and MSMEs via a mobile-first app, originating collateral-free digital loans of Rp100,000 to Rp100,000,000 with 30–360 day tenors and daily interest of 0.03%–0.3%. The end-to-end digital flow covers e-KYC (KTP + selfie + OTP), automated credit scoring against SLIK and FDC data, electronic contract signing, and ~15-minute disbursement, with repayments collected via bank virtual accounts and Alfamart outlets. The platform also serves a lender/investor side ('Pendanaan') and earns ancillary fees from bank loan-channeling partnerships (notably DBS Indonesia).
Is AdaPundi a public or private company?
AdaPundi is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was AdaPundi founded?
AdaPundi was founded in 2018. It employs 101 to 250 people.
Where is AdaPundi based?
AdaPundi is headquartered in Dki Jakarta, Indonesia, in the Asia region.
How does AdaPundi make money?
Two revenue lines are on record. Interest Income from P2P Lending is the primary driver. The others are loan Channeling Fees.
Who are AdaPundi's main competitors?
Direct peers on record are Amartha, KoinWorks, Investree, DanaRupiah, Akseleran and Komunal (formerly Modalku/Funding Societies). Emerging players are Kredivo and Pinjam Modal. Broad incumbents are Akulaku and Bank Digital (Blu by BCA / SeaBank / Bank Neo Commerce).
Does AdaPundi have an API?
No public API is recorded for AdaPundi.
What industry is AdaPundi in?
AdaPundi's product category is Peer-to-peer (P2P) digital lending. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAC, P2P Small Business / SME Marketplace Lending. Its NAICS code is 522291 and its SIC code is 6141.