Asetku
Asetku is an Indonesian mobile-first peer-to-peer lending platform, regulated by OJK, that connects individual borrowers with individual lenders for short-tenor (30–90 day) digital loans through Android and iOS apps.
- Company typePrivate
- Founded2017
- HeadquartersJakarta, Indonesia
- Headcount101–250
- GTM typeB2C
- OfferingSoftware
What Asetku does
Asetku (legally PT Pintar Inovasi Digital) is an Indonesian mobile-first peer-to-peer lending platform operating under the OJK-regulated LPBBTI framework (POJK No. 40/2024). The platform connects individual borrowers (Penerima Dana) with individual lenders (Pemberi Dana) for short-tenor cash loans of 30, 45, 60, 75, and 90 days, with minimum loan sizes starting at Rp 1,000,000 and a regulatory interest cap of 0.3% per day. Onboarding is 100% digital with eKYC verification, automated credit scoring derived from transaction and payment history, and reported disbursement times under five minutes; lenders can fund from Rp 500,000 and earn returns up to 13.2% p.a. The product is delivered exclusively through Android and iOS apps (com.silvrr.finance; id1300452602) backed by a web platform, with ISO 27001:2022, ISO 27701:2019, and ISO 37001:2016 certifications covering information security, privacy, and anti-bribery.
The underlying technology stack is composed of third-party specialist integrations rather than proprietary infrastructure: Digisign for e-signatures, Vida for biometric/identity verification, Trusting Social for credit scoring, AI Rudder for fraud detection, and Pefindo as the credit bureau feed, with SLIK OJK and FDC for regulatory credit reporting. Distribution is supported by disbursement and collection partnerships with nine Indonesian banks including BCA, BRI, BNI, Mandiri, CIMB Niaga, Bank Neo Commerce, OKE Bank Indonesia, Bank Ganesha, and Superbank Internasional. Go-to-market relies on app-store distribution combined with broad social media presence (Instagram, Facebook, TikTok, Twitter, YouTube, Telegram) and influencer marketing via Indonesian celebrities (Selebgram).
Asetku generates revenue through transaction-based take rates on loans facilitated between borrowers and lenders, a fee structure typical of LPBBTI operators. The customer base is entirely retail — both sides of the marketplace are individual consumers, with MSME funding use cases mentioned but not enterprise-level customers. The company operates exclusively within Indonesia and has not disclosed funding rounds, revenue, headcount trends, or ownership details in available materials; platform metrics on the website show 100% loan-quality ratios across all categories, which warrants scrutiny given the absence of underlying loan-book disclosures.
Asetku firmographics
Firmographics- Name
- Asetku
- Legal name
- PT Pintar Inovasi Digital
- Website
- https://asetku.co.id
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Asetku is an Indonesian mobile-first peer-to-peer lending platform, regulated by OJK, that connects individual borrowers with individual lenders for short-tenor (30–90 day) digital loans through Android and iOS apps.
- Ownership category
- akta.pro rank
Asetku industry classification
Industry- Product category
- Peer-to-Peer Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Nondepository Credit Intermediation (5222)
- SIC
- Loan Brokers (6163), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- P2P Small Business / SME Marketplace Lending (FSAKAHAC), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)
Keywords
Where Asetku is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
Asetku business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform Commission on Loans: Asetku operates as a P2P lending platform (LPBBTI) facilitating loans between borrowers (Penerima Dana) and lenders (Pemberi Dana). The platform earns revenue through commission/transaction fees on loans facilitated. Maximum interest rate capped at 0.3% per day for borrowers, with lenders receiving returns up to 13.2% p.a.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Borrower loans with tenors from 30 to 90 days |
Distribution channels3 records
Marketing channels7 records
Asetku product offering
Product offeringCore offering
Asetku is a mobile-first peer-to-peer (P2P) lending platform regulated by OJK that connects individual borrowers (Penerima Dana) with individual lenders (Pemberi Dana) in Indonesia. It offers 100% digital onboarding with eKYC verification, loan products with tenors of 30, 45, 60, 75, and 90 days starting from Rp 1,000,000 with a maximum daily interest rate of 0.3%, and lender returns of up to 13.2% per annum on funding from Rp 500,000 minimum.
Product overview
AsetKu is a peer-to-peer (P2P) lending platform operated by PT Pintar Inovasi Digital, connecting borrowers (Penerima Dana) with lenders (Pemberi Dana) through a mobile application and web platform. The platform offers loan products with tenors ranging from 30 to 90 days, providing cash loans with direct disbursement. The ecosystem consists of the core AsetKu Mobile Application and Web Platform for both borrowers and lenders, with specific products such as Pendanaan Super (30-day tenor product) available through the platform.
Differentiator
Problem solved
Functional benefit
Products and services
- AsetKu Mobile Application A peer-to-peer lending mobile application for Indonesian individual borrowers (Penerima Dana) and lenders (Pemberi Dana), offering 100% digital onboarding, eKYC verification, and loan/funding management.
- AsetKu Web Platform A web-based platform providing access to AsetKu's P2P lending and funding services for individual borrowers and lenders in Indonesia.
- Pendanaan Super (30-Day Lending Product) A 30-day tenor lending product enabling AsetKu lenders (Pemberi Dana) to fund short-term loans and earn returns on the P2P platform.
- Short-Term Consumer Loan Product (30-90 Day Tenors) Multi-purpose short-term consumer loan product available to Indonesian individual borrowers (Penerima Dana) through the AsetKu platform, with tenors of 30, 45, 60, 75, and 90 days, loan amounts starting from Rp 1,000,000, a maximum 0.3% daily interest rate, and fast disbursement.
Quantifiable outcome
- Returns up to 13.2% p.a. for lenders
- +4 more outcomes
Companies that use Asetku
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
Asetku technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration13 records
Feature3 records
Asetku partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- PT Bank Central Asia (BCA)coreBanking partner for fund disbursement and collection services. BCA is one of Indonesia's largest banks by assets.
- PT Bank Rakyat Indonesia (BRI)coreBanking partner for transaction processing. BRI is one of Indonesia's state-owned banks.
- PT Bank Negara Indonesia (BNI)coreBanking partner for fund transfers and loan disbursement services.
- PT Bank MandiricoreBanking partner for financial transaction services. Bank Mandiri is one of Indonesia's largest banks.
- PT Bank Neo CommerceminorListed as a banking partner for personal data transmission related to loan disbursements.
- PT OKE Bank IndonesiaminorBanking partner listed for loan disbursement and personal data transmission services.
- PT Bank GaneshaminorBanking partner for loan disbursement services.
- PT Superbank Internasional TbkminorBanking partner for financial transaction processing.
- CIMB NiagacoreBanking partner logo visible in footer. CIMB Niaga is a major Indonesian bank.
Scale indicators3 records
Expansion highlights5 records
Asetku competitors and assessment
Company assessmentDirect peers
- Danamas: OJK-licensed Indonesian P2P lending platform with comparable consumer and SME lending products and similar mobile distribution approach.
- Investree: Indonesian P2P lending platform regulated by OJK, originally focused on SME financing and expanding into consumer lending — same LPBBTI license category, overlapping mobile-first delivery and bank disbursement integrations.
- Amartha: Indonesian P2P fintech focused on micro and small enterprise lending, OJK-regulated, with significant capital raised — comparable regulatory standing and marketplace lending mechanics targeting underbanked borrowers.
- KoinWorks: One of Indonesia's largest OJK-licensed P2P lending platforms offering personal and business loans to individuals and SMEs through a mobile app — directly comparable business model, customer segments, and regulatory positioning.
- Akulaku: Indonesia-headquartered consumer fintech offering P2P-style personal loans and buy-now-pay-later products through a mobile app — overlaps in unsecured consumer credit delivery to similar demographic segments.
- Modalku (Mekar): Major Indonesian P2P lender under OJK with strong SME focus; later expanded consumer products and operates mobile apps — directly competes for both borrower and lender customers with similar short-tenor offerings.
Broad incumbents
- Kredivo: Indonesian digital credit and BNPL fintech serving individual consumers through a mobile app — adjacent rather than direct, as it focuses on point-of-sale credit rather than marketplace P2P lending, but competes for the same end-borrower wallet.
Emerging players
- Pinjam Modal: Indonesian online lending app offering short-tenor personal loans to consumers through mobile channels — similar product structure to Asetku but smaller scale and narrower scope.
- Fundtastic Plus: Smaller Indonesian P2P lending platform operating under OJK supervision — comparable LPBBTI business model but smaller scale, representing the kind of niche competitor Asetku faces at the lower end of the market.
Others
- Trusting Social: Alternative credit scoring and data analytics provider for emerging markets including Indonesia — explicitly listed as a technology partner of Asetku and serves similar fintech lenders in the ecosystem.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Asetku social profiles
Digital presenceAsetku compliance and trust
Trust signalCompliance3 records
Asetku financial estimates
Financial estimateRevenue estimate
Valuation estimate
Asetku leadership team
Management profileNumber of profiles
Asetku funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Asetku 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 Asetku
What does Asetku do?
Asetku is a mobile-first peer-to-peer (P2P) lending platform regulated by OJK that connects individual borrowers (Penerima Dana) with individual lenders (Pemberi Dana) in Indonesia. It offers 100% digital onboarding with eKYC verification, loan products with tenors of 30, 45, 60, 75, and 90 days starting from Rp 1,000,000 with a maximum daily interest rate of 0.3%, and lender returns of up to 13.2% per annum on funding from Rp 500,000 minimum.
Is Asetku a public or private company?
Asetku is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Asetku founded?
Asetku was founded in 2017. It employs 101 to 250 people.
Where is Asetku based?
Asetku is headquartered in Jakarta, Indonesia, in the Asia region.
How does Asetku make money?
One revenue line is on record: platform Commission on Loans.
Who are Asetku's main competitors?
Direct peers on record are Danamas, Investree, Amartha, KoinWorks, Akulaku and Modalku (Mekar). Kredivo is listed as a broad incumbent. Emerging players are Pinjam Modal and Fundtastic Plus. Trusting Social is listed as an others.
Does Asetku have an API?
No public API is recorded for Asetku.
What industry is Asetku in?
Asetku's product category is Peer-to-Peer Consumer 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 52231 and its SIC code is 6163.