PinjamanGo

What PinjamanGo does

PinjamanGo is an Indonesia-based, OJK-regulated peer-to-peer lending platform that originates unsecured (collateral-free) cash loans to individual consumers. Operating under Sinar Mas Group, one of Indonesia's largest conglomerates, the company holds a formal P2P lending license (KEP-124/D.05/2019) issued by the Financial Services Authority on December 13, 2019. Its product targets Indonesian borrowers who lack access to traditional bank credit, offering loan sizes from Rp 400,000 to Rp 10,000,000 at a daily interest rate of 0.3% over tenors of 90, 120, or 150 days.

The technical stack consists of a mobile-first application distributed through Google Play and Apple App Store, complemented by a web-based lending portal. The platform implements an automated digital credit assessment that bypasses collateral requirements and targets a one-minute disbursement turnaround for qualified applicants. Since founding, the platform reports Rp 3.20 trillion in cumulative loans disbursed to 297,070 borrowers, an 88.3% TKB 90 (90-day loan performance) success rate, and a 98% user willingness-to-recommend metric. Distribution is exclusively digital with no physical branches.

The business model operates on a transaction-fee structure typical of Indonesian P2P lending intermediaries, where PinjamanGo connects lenders (pemberi dana) and borrowers (penerima dana) and earns a spread on loan transactions facilitated through the platform. Acquisition is fully self-serve and product-led: users discover the app via mobile app stores, register, complete credit assessment, and receive disbursement directly to their bank accounts or e-wallets. New-user activation is incentivized through welcome coupons up to Rp 100,000, and organic growth is reinforced through user reviews. The company is based in DKI Jakarta, operates with 51-100 employees, and serves only the Indonesian domestic market.

Name

PinjamanGo

Legal name

PinjamanGo

Website

https://pinjamango.co.id

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

51–100 employees

Short description

PinjamanGo is an OJK-regulated Indonesian P2P lending platform operated under Sinar Mas Group, offering mobile-first unsecured loans from Rp 400,000 to Rp 10,000,000 at 0.3% daily interest to individual borrowers lacking access to traditional bank credit.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Consumer Lending

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

akta.pro secondary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Online lending
• Peer-to-peer lending
• Unsecured personal loans
• Digital consumer credit
• Mobile lending app

Headquarters

HQ city

Dki Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: PinjamanGo earns interest income from loans extended to borrowers at a daily rate of 0.3%/day. As a peer-to-peer lending platform, it connects lenders (pemberi dana) and borrowers (penerima dana), earning the spread or fees on loan transactions facilitated through its platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

PinjamanGo operates an OJK-regulated peer-to-peer lending platform that provides unsecured personal cash loans to Indonesian consumers. Loan amounts range from Rp 400,000 to Rp 10,000,000 at a daily interest rate of 0.3%, with terms of 90, 120, or 150 days. The entire process—registration, credit assessment, approval, and disbursement—is conducted digitally via a mobile application, with disbursement typically completed in approximately one minute.

Product overview

PinjamanGo is a single-product fintech lending platform operated by Sinar Mas Group, offering collateral-free online loans through both a mobile application (iOS and Android) and a web-based platform. The platform enables borrowers to access loans up to Rp 10,000,000 with daily interest rates of 0.3%, disbursed within approximately 1 minute after approval. The ecosystem consists of the core PinjamanGo Mobile Application and the web-based Online Lending Platform, both providing the same lending services with registration, credit assessment, loan approval, disbursement, and repayment workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• PinjamanGo Unsecured Personal Loan (mobile app and web platform) A peer-to-peer consumer lending product offering collateral-free cash loans of Rp 400,000 to Rp 10,000,000 at 0.3% per day interest with 90, 120, or 150-day tenures. Available to Indonesian individual consumers via the iOS and Android mobile apps and the company website, with digital onboarding, automated credit assessment, and disbursement typically within approximately 1 minute.

Quantifiable outcome

• TKB 90 rate of 88.3% (90-day loan performance success rate)
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators5 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• KoinWorks: One of Indonesia's largest OJK-licensed P2P lending platforms, offering unsecured personal and business loans to individuals and SMEs. Direct competitor to PinjamanGo in the same regulated P2P lending category with overlapping mobile-first distribution.
• Investree: OJK-licensed Indonesian P2P lending marketplace connecting lenders and borrowers, with a focus on SME and consumer credit. Directly comparable peer operating under the same regulatory framework and serving similar Indonesian borrowers.
• Amartha: Indonesian OJK-licensed P2P lender focused on micro and small loans to women borrowers and underserved segments. Closely comparable product/market overlap, especially in the small-dollar, short-term, unsecured consumer credit niche.
• Modal Rakyat: OJK-licensed Indonesian P2P lending platform providing unsecured and SME loans. Directly comparable in business model, regulatory standing, and target borrower segment.
• Akulaku: Indonesia and Southeast Asia-focused fintech offering consumer credit and BNPL through a mobile app. Comparable in mobile-first consumer credit distribution and target borrower profile, though with a heavier BNPL tilt.
• Danabijak: Indonesian OJK-licensed P2P lending platform focused on unsecured consumer and small business loans. Direct competitor in the same mobile-first, small-ticket Indonesian consumer lending market.
• Lentera Dana: Smaller Indonesian OJK-licensed P2P lending platform offering unsecured consumer and working-capital loans. Directly comparable in business model and target segment, useful as a sub-scale reference point.

Emerging players

• Funding Societies: Operating across Southeast Asia including Indonesia, Funding Societies is a digital financing platform serving SMEs and consumers. Comparable as a regional P2P/digital lender, though it skews more SME than pure consumer like PinjamanGo.
• Tala: Global digital lender providing small-dollar credit to underbanked consumers in emerging markets including parts of Southeast Asia. Comparable in the small-dollar, mobile-originated, uncollateralized consumer credit thesis even though not active in Indonesia today.

Broad incumbents

• GoPinjaman (by GoTo/Gojek): Gojek's consumer lending product within the broader GoTo super-app ecosystem. Comparable mobile-first Indonesian consumer credit distribution, but as part of a much larger incumbent platform with structural advantages in data, scale, and cross-sell.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/PinjamanGo
• Facebookfacebook.com/pinjamangoapp
• LinkedInlinkedin.com/company/pt-dana-pinjaman-inklusif

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 PinjamanGo