Findaya

What Findaya does

Findaya (legal entity PT Mapan Global Reksa) is an Indonesian peer-to-peer fintech lending platform licensed and supervised by the Otoritas Jasa Keuangan (OJK) as a Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) under POJK.10/POJK.05/2022. The company distributes two principal loan products — GoPay Pinjam (collateral-free multi-purpose cash loans for individuals, up to Rp 35,000,000 over a 12-month tenor) and GoPay Pinjam Modal (collateral-free productive loans for GoFood and GoPay merchants, up to Rp 500,000,000 over a 24-month tenor) — exclusively through embedded channels within the Gojek-Tokopedia (GoTo) super-app ecosystem, including the Gojek, GoPay, Tokopedia, GoFood Merchant, and GoPay Merchant applications. Underwriting relies on integrations with the national identity database (Dukcapil) and Indonesian credit bureaus (Lembaga Penilai Kredit), enabling credit assessment for unbanked and underbanked borrowers who lack traditional banking relationships or collateral.

The business model is interest-income-driven from originated loans, intermediated between lenders and borrowers under OJK-regulated peer-to-peer mechanics, with distribution and customer acquisition handled entirely by parent-ecosystem apps rather than direct marketing or sales. GoPay Pinjam serves individual consumers across Gojek, GoPay, and Tokopedia; GoPay Pinjam Modal serves GoFood and GoPay merchants through dedicated merchant apps, with a Tokopedia-aligned variant branded Toko Kapital by GoPay Pinjam Modal (rebranded December 2024). In August 2023, Findaya migrated its GoPay Later product to PT Multifinance Anak Bangsa (PT MAB), another GoTo entity, completing the transition by April 2024 — narrowing Findaya's product set to GoPay Pinjam and GoPay Pinjam Modal.

Operational footprint is concentrated in Indonesia: headquarters at Pasaraya Blok M, Gedung B Lantai 5, South Jakarta, with an operational walk-in customer-service office at the Gojek Kemang Timur location. Customer support is delivered via dedicated phone lines for each loan product plus email channels. The company maintains annual audited financial disclosures (referenced via the Laporan Keuangan page), AML/CFT reporting to PPATK, and standardized privacy, terms, and whistleblowing frameworks aligned with GoTo governance. Strategic positioning is that of a tightly coupled lending utility inside the GoTo ecosystem rather than a standalone consumer fintech brand.

Name

Findaya

Legal name

PT Mapan Global Reksa

Website

https://findaya.co.id

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Findaya (PT Mapan Global Reksa) is an OJK-licensed Indonesian P2P fintech lending platform that distributes individual cash loans (GoPay Pinjam) and merchant productive loans (GoPay Pinjam Modal) exclusively through embedded channels within the Gojek, Tokopedia, GoPay, and GoFood super-app ecosystem.

Ownership category

akta.pro rank

Product category

Digital Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)

akta.pro secondary industries

P2P Small Business / SME Marketplace Lending (FSAKAHAC), P2P Loan Servicing & Collections (Marketplace-Specific) (FSAKAHAN)

Keywords

• Digital lending
• Peer-to-peer lending
• Consumer cash loans
• Merchant financing
• Financial inclusion

Headquarters

HQ city

Kedoya Selatan

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Findaya earns interest income from the loans it originates (GoPay Pinjam and GoPay Pinjam Modal). As a peer-to-peer lending platform under POJK.05/2022, it connects lenders and borrowers, with interest charged to borrowers constituting the primary revenue stream.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Findaya (PT Mapan Global Reksa) operates an OJK-licensed fintech peer-to-peer lending platform (LPBBTI) offering two primary loan products: GoPay Pinjam, an unsecured multi-purpose cash loan for individuals with limits up to Rp 35,000,000 and tenors up to 12 months; and GoPay Pinjam Modal, an unsecured productive business loan for GoFood and GoPay merchants with limits up to Rp 500,000,000 and tenors up to 24 months. All loans are distributed exclusively through embedded interfaces within the Gojek, Tokopedia, GoFood Merchant, and GoPay Merchant applications, targeting unbanked and underbanked Indonesian consumers and small merchants.

Product overview

Findaya (PT Mapan Global Reksa) operates as an OJK-licensed fintech lending platform (LPBBTI) that offers two primary lending products: GoPay Pinjam for individual consumer cash loans and GoPay Pinjam Modal for merchant/business working capital loans. Both products are distributed through the Gojek ecosystem (Gojek, GoPay, GoFood) and Tokopedia platforms. The company previously offered GoPay Later, which was migrated to PT Multifinance Anak Bangsa (PT MAB) in 2023-2024. Findaya's services focus on financial inclusion for Indonesia's unbanked and underbanked populations.

Differentiator

Problem solved

Functional benefit

Brands

• GoPay Pinjam: Multipurpose cash loan service without collateral, offering loan limits up to Rp 35,000,000 with repayment tenor up to 12 months, available on Gojek, GoPay, and Tokopedia applications.
• GoPay Pinjam Modal
• Toko Kapital by GoPay Pinjam Modal

Products and services

• GoPay Pinjam Collateral-free multi-purpose cash loan service for individual Indonesian borrowers, with loan limits up to Rp 35,000,000 and installment tenors up to 12 months that can be paid off before maturity. Available through Gojek, GoPay, and Tokopedia applications.
• GoPay Pinjam Modal Collateral-free productive loan service (formerly GoModal) for GoFood and GoPay merchants, with loan limits up to Rp 500,000,000 and tenors up to 24 months. Available through GoFood Merchant, GoPay Merchant, and Tokopedia applications.
• Toko Kapital by GoPay Pinjam Modal Renamed version of the Modal Toko productive loan offering for merchants, available on Tokopedia and Tokopedia Seller platforms. The Toko Kapital sub-brand provides store capital financing for Tokopedia sellers under the GoPay Pinjam Modal product umbrella.

Named customers3 records

Segments3 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• PT Multifinance Anak Bangsa (PT MAB / GoTo Finance)coreStrategic or Co-development Partner · 1 August 2023GoPay Later was migrated from Findaya (PT Mapan Global Reksa) to PT Multifinance Anak Bangsa (PT MAB), a GoTo Group entity, in August 2023. PT MAB is an OJK-licensed financing company serving Gojek and Tokopedia users with extended financial products including higher credit limits (up to Rp 30,000,000) and longer tenors (up to 12 months).
• GojekcoreChannel Partner/ Reseller/ DistributorFindaya's loan products (GoPay Pinjam and GoPay Pinjam Modal) are distributed through the Gojek superapp, making Gojek the primary distribution channel. Findaya previously also managed GoPay Later within the Gojek ecosystem.
• TokopediacoreChannel Partner/ Reseller/ DistributorFindaya distributes GoPay Pinjam and Toko Kapital (rebranded GoPay Pinjam Modal) through the Tokopedia marketplace app, enabling access for Tokopedia sellers and buyers.
• GoFoodcoreChannel Partner/ Reseller/ DistributorGoPay Pinjam Modal (productive business loans) is distributed through the GoFood Merchant app, targeting GoFood merchants for working capital financing.
• GoPaycoreChannel Partner/ Reseller/ DistributorGoPay Pinjam Modal is distributed through the GoPay Merchant app. GoPay was also the parent brand for GoPay Later which was managed by Findaya before migrating to PT Multifinance Anak Bangsa.
• Dukcapil (Directorate General of Population and Civil Registration)coreTechnology or IntegrationFindaya integrates with Dukcapil for identity verification purposes, enabling KYC (Know Your Customer) processes through connection to the national population database.
• Credit Bureaus (Lembaga Penilai Kredit)coreTechnology or IntegrationFindaya accesses credit information from credit bureaus for creditworthiness assessment and updates borrower credit records, enabling lending decisions for customers with limited traditional credit history.
• OJK (Otoritas Jasa Keuangan)coreOthersAs an LPBBTI (Layanan Pendanaan Bersama Berbasis Teknologi Informasi) licensed and supervised by OJK under POJK.05/2022, Findaya operates under regulatory oversight and reports to fintech data centers managed by OJK.
• PPATK (Pusat Pelaporan Analisis Transaksi Keuangan)minorOthersFindaya is required to report suspicious financial transactions to PPATK as part of AML/CFT compliance obligations under Indonesian law.

Scale indicators1 record

Recent moves8 records

Expansion highlights4 records

Direct peers

• KoinWorks: Indonesia-licensed OJK P2P lending platform offering personal and SME loans, operating as a marketplace lender under POJK.05/2022. Directly comparable in regulatory posture, target segments, and product mix to Findaya's GoPay Pinjam and GoPay Pinjam Modal.
• Investree: OJK-licensed Indonesian P2P lending platform focused on SME financing. Comparable to Findaya as a marketplace lender under the same LPBBTI framework, serving SMB borrowers with working capital products.
• Akseleran: OJK-licensed Indonesian P2P marketplace lender focused on SME productive loans. Comparable regulatory and product positioning to Findaya's merchant lending business.
• Amartha: Indonesian OJK-licensed P2P lender focused on micro and underbanked borrowers in tier-2/3 markets. Comparable to Findaya in its financial-inclusion mission and underserved-borrower focus, though with a stronger rural microfinance tilt.
• Julo: Indonesian fintech lending platform offering unsecured cash loans to underbanked consumers via mobile app. Directly comparable to Findaya's GoPay Pinjam in target borrower profile and loan-product structure.
• Pinjaman (Speeder / former Kredit Pintar Indonesia): Indonesian fintech lender offering unsecured personal loans to underbanked consumers, accessible via mobile app. Comparable to Findaya in product, target segment, and regulatory positioning.
• Modalku (Funding Societies): OJK-licensed Indonesian P2P lending platform focused on SME financing under the Funding Societies brand. Comparable marketplace lending model and SMB target segment to Findaya's GoPay Pinjam Modal.
• Taralite: OJK-licensed Indonesian P2P lending platform serving both consumer and SME segments. Comparable regulatory framework and product mix to Findaya's dual consumer/merchant offering.

Broad incumbents

• Tunaiku (by Amar Bank): Digital lending product from Amar Bank (a GoTo-affiliated lender) offering unsecured cash loans in Indonesia. Comparable product offering but operates under a banking license, making it a broader incumbent competing for the same SMB and consumer borrower pool.

Emerging players

• Dana Cita: Indonesian fintech lender offering education and productive loans, OJK-licensed. Adjacent fintech-lending peer targeting specific vertical segments; less direct overlap but operates under the same P2P regulatory regime as Findaya.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/findaya

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Findaya