Cs DanaRupiah
DanaRupiah (PT Layanan Keuangan Berbagi) is an OJK-licensed Indonesian P2P lending fintech that connects individual lenders with underserved Indonesian consumers seeking short-term cash loans, consumptive financing, and educational loans through a digital self-serve mobile application.
- Company typePrivate
- Founded2020
- HeadquartersJakarta, Indonesia
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Cs DanaRupiah does
DanaRupiah (legal entity PT Layanan Keuangan Berbagi) is an Indonesian peer-to-peer (P2P) lending fintech licensed by the Otoritas Jasa Keuangan (OJK) under approval KEP-18/D.05/2020 since May 2020. The company operates a single consumer-facing P2P lending platform that connects individual lenders (pemberi dana) with borrowers (penerima pinjaman) seeking short-term cash loans, consumptive loans, and educational financing, primarily targeting Indonesian consumers aged 18 and above who lack adequate access to conventional banking credit. Distribution is digital-first and product-led: borrowers download the APK directly from the official website (the Android app is temporarily removed from Play Store), complete a four-step digital onboarding flow with KTP verification, and receive approved funds directly to a registered bank account within minutes.
The platform's core technology stack combines a mobile application with automated identity and data verification, plus OJK-mandated escrow and virtual account infrastructure per Regulation No. 40/2024, separating platform funds from user balances. As of January 2026, the platform reports cumulative loans disbursed of Rp 17.8 trillion, 1.82 million cumulative borrowers, 26 thousand active borrowers, Rp 95.2 million in total outstanding (as labeled), Rp 38.3 million in 2026 funding, and 91 cumulative lenders. Repayment performance is disclosed via TKB90 of 97.09%, TKB60 of 91.84%, TKB30 of 86.62%, and TKB0 of 81.16%. The firm holds ISO/KAN, LAPS SJK, and AFPI registrations and operates from DBS Bank Tower, Ciputra World 1, Jakarta.
DanaRupiah's business model is transaction-based: the company earns fees and spreads on each loan facilitated between lenders and borrowers, while credit and default risk is borne entirely by lenders. The company is privately held with Hong Kong-incorporated shareholders Astral Technology Limited and Leyu8 Limited, no disclosed venture or growth funding rounds, and a leadership team led by President Director Entjik S Djafar (also Chairman of AFPI) and Commissioner Christine. Disbursement and collection rely on partnerships with six major Indonesian banks: Bank Ganesha, BCA, BNI, Mandiri, BRI, and PermataBank.
Cs DanaRupiah firmographics
Firmographics- Name
- Cs DanaRupiah
- Legal name
- PT Layanan Keuangan Berbagi
- Website
- https://danarupiah.id
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- DanaRupiah (PT Layanan Keuangan Berbagi) is an OJK-licensed Indonesian P2P lending fintech that connects individual lenders with underserved Indonesian consumers seeking short-term cash loans, consumptive financing, and educational loans through a digital self-serve mobile application.
- Ownership category
- akta.pro rank
Cs DanaRupiah industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), Loan Origination Platforms (LOS) & Digital Application Journeys (FSAGAHAA)
Keywords
Where Cs DanaRupiah is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Cs DanaRupiah business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Others
Revenue model
- P2P Lending Transaction Fees: DanaRupiah operates as a peer-to-peer lending platform connecting lenders (pemberi dana) with borrowers (penerima pinjaman). The platform earns revenue through transaction fees and lending spreads on each loan facilitated through the platform. Interest rates and fees are transparently disclosed within the application. The platform explicitly notes that credit/default risk is borne entirely by the lender.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Short-term consumer cash loans with transparent disclosed fees |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Cs DanaRupiah product offering
Product offeringCore offering
DanaRupiah (PT Layanan Keuangan Berbagi) operates an OJK-licensed peer-to-peer lending platform that connects individual lenders with Indonesian borrowers seeking short-term consumer cash loans, consumptive loans, and educational financing. Borrowers apply through a digital mobile application with automated identity verification and receive funds disbursed directly to their registered bank account within minutes. The platform earns revenue through transaction fees and lending spreads on each facilitated loan.
Product overview
DanaRupiah operates as a single unified P2P (Peer-to-Peer) Lending platform operated by PT Layanan Keuangan Berbagi, licensed by Indonesia's Financial Services Authority (OJK) since May 2020. The platform connects borrowers seeking short-term consumer cash loans, consumptive loans, and educational financing with lenders (individual, organizational, or corporate) through a digital lending ecosystem. The service is accessible via both the DanaRupiah Mobile Application and the DanaRupiah Web Platform, enabling a streamlined online application and approval process. The platform emphasizes transparency, with disclosed fees, TKB90 success rate metrics, and regulatory compliance with AFPI standards.
Differentiator
Problem solved
Functional benefit
Products and services
- DanaRupiah Mobile Application Mobile application for peer-to-peer lending that enables individual Indonesian borrowers to apply for short-term consumer cash loans, consumptive loans, and educational financing through a digital onboarding process, with funds disbursed directly to the borrower's registered bank account after automated verification.
- DanaRupiah Web Platform Official website platform (danarupiah.id) providing information about DanaRupiah's P2P lending services, access to loan applications, APK distribution for the mobile application, audit reports, regulatory disclosures, and account management information for lenders and borrowers.
Companies that use Cs DanaRupiah
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles1 record
Cs DanaRupiah technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Cs DanaRupiah partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor.
- Bank Daerah (Regional Banks in Bali)minorDanaRupiah participated in a 'Digital Banking & Fintech Ecosystem' socialization event in Bali on 22 August 2019, organized to initiate cooperation between regional banks (Bank Daerah) in Bali and Indonesian P2P fintech players. The goal was to unify regional banks with P2P lending platforms to advance financial infrastructure development in Indonesia.
- Bank GaneshaminorPartner bank for fund transfer and disbursement services. Listed among DanaRupiah's partner banks for processing loan disbursements to borrower accounts.
- Bank Central Asia (BCA)minorPartner bank for fund transfer and disbursement services. Listed among DanaRupiah's partner banks for processing loan disbursements to borrower accounts.
- Bank BNIminorPartner bank for fund transfer and disbursement services. Listed among DanaRupiah's partner banks for processing loan disbursements to borrower accounts.
- Bank MandiriminorPartner bank for fund transfer and disbursement services. Listed among DanaRupiah's partner banks for processing loan disbursements to borrower accounts.
- Bank BRIminorPartner bank for fund transfer and disbursement services. Listed among DanaRupiah's partner banks for processing loan disbursements to borrower accounts.
- PermataBankminorPartner bank for fund transfer and disbursement services. Listed among DanaRupiah's partner banks for processing loan disbursements to borrower accounts.
Scale indicators7 records
Recent moves5 records
Expansion highlights3 records
Cs DanaRupiah competitors and assessment
Company assessmentDirect peers
- Kredivo: Kredivo is one of Indonesia's largest digital consumer credit/BNPL-and-cash-loan platforms, operating a mobile-first underwriting and disbursement flow to underbanked Indonesian consumers — directly overlapping with DanaRupiah's target customer and product.
- KoinWorks: KoinWorks is a major Indonesian P2P lending marketplace (also OJK-licensed and AFPI member) that connects individual lenders with consumer and SME borrowers, with overlapping lender/borrower marketplace mechanics.
- Investree: Investree is an OJK-licensed Indonesian P2P lending platform originally focused on SME supply-chain financing, sharing the same OJK-regulated marketplace structure, escrow, and AFPI membership as DanaRupiah.
- Tunaiku (Bank Amar Indonesia): Tunaiku is a digital consumer lending service from Bank Amar Indonesia offering short-term unsecured cash loans via a fully mobile flow — comparable target customer, product type, and self-serve onboarding to DanaRupiah.
- Julo: Julo is an OJK-licensed Indonesian P2P/fintech lending platform offering short-term cash loans to underbanked consumers via a mobile app, with the same minutes-long digital onboarding and disbursement model as DanaRupiah.
- Akulaku: Akulaku is a Southeast Asian consumer credit/financing platform with significant Indonesian presence, offering digital cash loans and BNPL through its app — a comparable mobile-first consumer lending motion to DanaRupiah.
- Indodana: Indodana is an OJK-licensed Indonesian fintech providing consumer cash loans and PayLater products via mobile app — same target demographic (underbanked Indonesian consumers), same digital lending motion, and same OJK regulatory framework as DanaRupiah.
Broad incumbents
- Funding Societies (Modalku): Funding Societies/Modalku is the largest SME-focused P2P lending platform in Southeast Asia with deep Indonesian operations, sharing the OJK-licensed marketplace model and targeting Indonesia's credit gap.
Emerging players
- Pinjaman Online (Asetku): Asetku is an OJK-licensed Indonesian P2P lending platform focused on consumer and productive lending, competing in the same underbanked consumer segment as DanaRupiah with a smaller but adjacent marketplace model.
- Pinjam Modal: Pinjam Modal is an Indonesian P2P lending platform offering short-term cash loans to consumers and SMEs, comparable in product scope, regulatory standing, and digital onboarding flow to DanaRupiah.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Cs DanaRupiah social profiles
Digital presenceCs DanaRupiah compliance and trust
Trust signalCompliance4 records
Cs DanaRupiah financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cs DanaRupiah leadership team
Management profileNumber of profiles
Profiles2 records
Cs DanaRupiah funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cs DanaRupiah 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 Cs DanaRupiah
What does Cs DanaRupiah do?
DanaRupiah (PT Layanan Keuangan Berbagi) operates an OJK-licensed peer-to-peer lending platform that connects individual lenders with Indonesian borrowers seeking short-term consumer cash loans, consumptive loans, and educational financing. Borrowers apply through a digital mobile application with automated identity verification and receive funds disbursed directly to their registered bank account within minutes. The platform earns revenue through transaction fees and lending spreads on each facilitated loan.
Is Cs DanaRupiah a public or private company?
Cs DanaRupiah is a private company. It is classified as corporate owned and is currently operating.
When was Cs DanaRupiah founded?
Cs DanaRupiah was founded in 2020. It employs 251 to 500 people.
Where is Cs DanaRupiah based?
Cs DanaRupiah is headquartered in Jakarta, Indonesia, in the Asia region.
How does Cs DanaRupiah make money?
One revenue line is on record: P2P Lending Transaction Fees.
Who are Cs DanaRupiah's main competitors?
Direct peers on record are Kredivo, KoinWorks, Investree, Tunaiku (Bank Amar Indonesia), Julo, Akulaku and Indodana. Funding Societies (Modalku) is listed as a broad incumbent. Emerging players are Pinjaman Online (Asetku) and Pinjam Modal.
Does Cs DanaRupiah have an API?
No public API is recorded for Cs DanaRupiah.
What industry is Cs DanaRupiah in?
Cs DanaRupiah's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSADAFAJ, Credit Marketplaces, Aggregators & Loan Routing, with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 522310 and its SIC code is 6163.