Fintek Digital Indonesia

What Fintek Digital Indonesia does

PT Fintek Digital Indonesia operates Kredito, an OJK-licensed peer-to-peer lending platform (LPBBTI) registered under POJK 40/2024 and headquartered in Jakarta. The platform matches individual and institutional lenders (Pendana) with underbanked borrowers across Indonesia, offering two unsecured loan products: Pinjaman Multiguna for employees and students (Rp 200,000–Rp 20,000,000, 120-day to 6-month tenor, capped at 0.3% per day) and Pinjaman Produktif for business owners (Rp 400,000–Rp 200,000,000, 30–360 day tenor, capped at 2.5% per month). All flows — onboarding, credit assessment, agreement signing, disbursement, and repayment — are executed digitally via web and mobile applications (Google Play, App Store), with biometric and demographic e-KYC performed through partner PT Indonesia Digital Identity (VIDA), escrow and virtual account infrastructure mandated by POJK 10/2022, and repayment available via bank transfer or Alfamart/Indomaret retail counters.

The platform monetizes primarily through transaction-based fees and interest on originated loans, supplemented by platform service fees between lenders and borrowers. The go-to-market is product-led and direct-to-consumer, relying on a digital-first funnel (website, mobile app), organic social media (Facebook @kredito.id, Instagram @kreditoid), and an SEO-driven financial literacy blog. Credit decisioning combines bureau checks, customer due diligence, and platform-accumulated repayment data, with a reported TKB90 (90-day success rate) of 96.06% and full annual publication of audited financial statements from 2020 through 2025. Cumulative scale since inception includes Rp 5.45 trillion in disbursement and 677,730 borrowers served across 26 lenders.

The customer base is bifurcated: a long tail of small-ticket retail borrowers (49,247 active) and a small institutional/individual lender set (14 active) that effectively underwrites the loan book. Regulatory exposure is significant — Kredito is supervised by OJK, a member of AFPI, and participates in the Fintech Lending Data Center — and the company publishes RIPLAY disclosures and consumer protection statistics (32,700 complaints resolved at 100% in 2024). No ownership, funding, or leadership details are publicly disclosed in the source material, and no inorganic growth actions (M&A, fundraising, or leadership changes) are evident.

Name

Fintek Digital Indonesia

Legal name

PT Fintek Digital Indonesia

Website

https://kredito.id

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

P2P Lending Platform

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

akta.pro secondary industries

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA), Student Loan Marketplace Lending (FSAKAHAE)

Keywords

• P2P lending platform
• Consumer credit marketplace
• Online installment loans
• Digital lending services
• Fintech lending

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Interest/Fee Income on Loans: Kredito earns revenue by charging borrowers fees/interest on loans facilitated through the platform. For Pinjaman Multiguna (employee/student loans), the maximum fee is 0.3% per day. For Pinjaman Produktif (business loans), the maximum fee is 2.5% per month. Late payment penalties of 0.8% per day also apply. The platform acts as intermediary matching lenders and borrowers.
2. Platform Service Fees: Kredito charges service fees for facilitating the lending process between lenders and borrowers. The company publishes financial statements (audited) annually from 2020 through 2025, indicating ongoing commercial operations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

PT Fintek Digital Indonesia (operating as Kredito) operates an OJK-licensed peer-to-peer lending marketplace that connects individual and institutional lenders (Pemberi Dana) with Indonesian borrowers (Penerima Dana) for unsecured installment loans. The platform facilitates two principal consumer loan products — Pinjaman Multiguna (multi-purpose loans for employees and students) and Pinjaman Produktif (productive loans for business needs) — and provides a corresponding funding service (Pendanaan) for lenders to place capital.

Product overview

Kredito is a unified P2P lending platform operated by PT Fintek Digital Indonesia that offers two primary loan products: Pinjaman Multiguna for employees and students (up to Rp 20 million) and Pinjaman Produktif for business owners (up to Rp 200 million). The platform facilitates direct lending between lenders (Pendana) and borrowers through a fully online process, with additional services including credit scoring, digital identity verification via VIDA, and payment processing through virtual accounts.

Differentiator

Problem solved

Functional benefit

Products and services

• Pinjaman Multiguna (Multi-purpose Loan)
• Pinjaman Produktif (Productive Loan)
• Pendanaan (Lender Funding Service)

Quantifiable outcome

• TKB90 (90-day loan success rate) of 96.06%, well above industry average
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability5 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PT Indonesia Digital Identity (VIDA)coreTechnology or IntegrationVIDA is a certified electronic certification provider (Penyelenggara Sertifikasi Elektronik / PSrE) registered with the Ministry of Communication and Information Technology (Kominfo). VIDA performs identity verification for Kredito users by comparing their demographic and biometric data against government-authorized identity databases, and issues electronic certificates for signing loan agreements with digital signatures. Kredito uses VIDA's services to comply with electronic verification requirements for its digital lending process.
• Otoritas Jasa Keuangan (OJK)coreOthersOJK is the Indonesian Financial Services Authority, the regulatory body overseeing fintech P2P lending in Indonesia. Kredito is a licensed and supervised P2P lending operator (Penyelenggara LPBBTI) registered under POJK 40/2024 and POJK 22/2023. Kredito submits regulatory reports, compliance data, and consumer protection information to OJK, and participates in the Fintech Lending Data Center (FDC).
• Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI)coreOthersAFPI is the Indonesian P2P Lending Fintech Association. Kredito is a member of AFPI and shares borrower data, risk information, and compliance data with the association for industry-wide risk management and consumer protection purposes.
• Credit Bureaus (Biro Kredit)Technology or IntegrationKredito cooperates with credit bureaus (Biro Kredit) to obtain and share borrower credit history information as part of its credit scoring and customer due diligence process. Credit data exchange supports risk assessment and helps prevent over-indebtedness among borrowers.
• Insurance Company (Credit Insurance Partner)minorOthersKredito offers credit insurance protection to lenders (pendana) through an insurance partner. When a funder selects a loan to fund, the funding may be guaranteed by a partner insurance company, providing lenders with protection against borrower default.
• Payment Gateway & Channel PartnerscoreTechnology or IntegrationKredito uses payment gateway and payment channel partners to process fund transfers, virtual account payments, and disbursements. These partners enable the escrow account infrastructure, virtual account management, and integration with bank networks and retail payment points (Alfamart/Indomaret) as required by POJK 10/2022.

Scale indicators6 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Akseleran: Akseleran is an OJK-licensed Indonesian P2P lending platform focused on SME productive loans. It directly overlaps with Kredito's business loan product in terms of borrower profile, ticket size, and regulatory framework.
• Danamas: Danamas is an OJK-licensed Indonesian P2P lending platform focused on productive financing for SMEs and individuals. It competes with Kredito on similar products and shares the same AFPI association membership.
• Amartha: Amartha is an OJK-licensed Indonesian P2P platform focused on microfinance for women entrepreneurs in underserved areas. Its borrower segment overlaps with Kredito's micro-business owner base under the same regulatory framework.
• Pinjam Modal: Pinjam Modal is an OJK-registered Indonesian online lending platform offering productive loans to SMEs, directly comparable to Kredito's Pinjaman Produktif product in terms of borrower profile and use cases.
• Kredivo: Kredivo is an OJK-licensed Indonesian digital credit/BNPL platform offering consumer credit to underbanked users, comparable to Kredito's Pinjaman Multiguna in target customer and product type, though delivered through paylater rather than installment.
• Investree: Investree is an OJK-licensed Indonesian P2P lending platform focused on SME financing, directly comparable to Kredito's Pinjaman Produktif product. Both operate marketplace lending models connecting lenders with Indonesian borrowers under identical POJK regulations.
• KoinWorks: KoinWorks is one of Indonesia's largest OJK-licensed P2P lending platforms, offering personal and business loans. It directly competes with Kredito on both consumer (Pinjaman Multiguna) and SME (Pinjaman Produktif) segments.
• Mekar: Mekar is an OJK-licensed Indonesian P2P platform connecting lenders with micro and small enterprises. Its focus on unbanked and underbanked small business borrowers mirrors Kredito's productive lending segment.
• Funding Societies | Modalku: Funding Societies operates Modalku in Indonesia as an OJK-licensed P2P lending platform serving SMEs with similar ticket sizes and tenors to Kredito's Pinjaman Produktif. Both target underbanked Indonesian borrowers via digital marketplace models.

Emerging players

• Akulaku: Akulaku is an Indonesian fintech offering consumer credit and BNPL services to underbanked users across Southeast Asia. It overlaps with Kredito's consumer lending segment but adds marketplace and ecommerce features that Kredito lacks.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/kredito.id/?ref=br_rs
• Instagraminstagram.com/kreditoid
• LinkedInlinkedin.com/company/pt-fintek-digital-indonesia

Compliance5 records

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 Fintek Digital Indonesia