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Kredito

Full company profile

uuid0029qwf

Namestring
Kredito
Legal namestring
PT Fintek Digital Indonesia
Websiteurl
kredito.id
Company typeenum
Private
Founded yearint
2016
Descriptiontext

Kredito (legally PT Fintek Digital Indonesia) is an Indonesian peer-to-peer lending platform operating as a Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) under OJK licenses POJK 40/2024 and POJK 22/2023. The company connects individual and institutional lenders with three horizontal borrower segments — salaried employees, university students, and small/micro business owners — through a fully digital, collateral-free application flow accessible via web and a mobile app on iOS and Android. Borrower onboarding relies on digital identity verification through a partnership with PT Indonesia Digital Identity (VIDA), with credit decisions supported by bureau data exchange, AFPI data sharing, and an internally developed credit scoring model that references AI/machine learning in its privacy disclosures.

The platform operates a dual-sided marketplace with two principal products: Pinjaman Multiguna for employees and students (Rp 200,000 to Rp 20,000,000, 120 days to 6 months, maximum 0.3% per day fee) and Pinjaman Produktif for business owners (Rp 400,000 to Rp 200,000,000, 30 to 360 days, maximum 2.5% per month fee). Loan servicing is supported by mandatory escrow accounts, virtual-account repayment through bank branches and convenience-store chains (Alfamart, Indomaret), and credit insurance on selected disbursements. Kredito monetizes primarily through transaction fees charged to borrowers, with a TKB90 of 96.06% publicly disclosed on its homepage.

Operationally, Kredito reports cumulative lifetime disbursement of Rp 5.45 trillion across 677,730 registered borrowers and 26 lenders, but current-period disbursement is only Rp 31.4 million and the outstanding portfolio sits at Rp 149.66 million with just 14 active lenders. The platform serves all of Indonesia through digital channels, maintains a Jakarta headquarters and a Tangerang operational office, employs 51–100 staff, and has published audited financial statements annually from 2020 through 2025. No external parent, venture capital investor, or acquisition history is disclosed.

Short descriptiontext

Kredito is an OJK-licensed Indonesian P2P lending platform that connects individual lenders with salaried employees, students, and small business owners, offering collateral-free digital loans through its mobile and web apps.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
51–100
akta.pro rankint
HeadquartersSetiabudi, Indonesia
HQ citystring
Setiabudi
HQ countrystring
Indonesia
HQ regionstring
Asia
Markets served

Serves global market

Offices2 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
P2P lending, online consumer loans, digital lending platform, collateral-free credit, fintech lending services
Industry3 codes
1P2P Small Business / SME Marketplace Lending
CodeFSAKAHACPrimaryYes
2Consumer P2P Personal Loans (Unsecured)
CodeFSAKAHAAPrimaryNo
3Microfinance & Community P2P Lending
CodeFSAKAHADPrimaryNo
NAICS code2 codes
  • Mortgage and Nonmortgage Loan Brokers52231
  • Nondepository Credit Intermediation5222
SIC code2 codes
  • Loan Brokers6163
  • Short-Term Business Credit Institutions6153
Product category
Peer-to-Peer Consumer Lending
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Interest & Fee Income from Borrowers
TypeTransaction Fee
Description

Kredito generates revenue by charging borrowers interest and fees on loans extended through its platform. For Pinjaman Multiguna, the maximum fee is 0.3% per day (approximately 108% annualized). For Pinjaman Produktif, the maximum fee is 2.5% per month. The platform facilitates direct lending between lenders and borrowers, with Kredito earning a spread or fee from each transaction.

kredito.id
Marketing channels3 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels2 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components5 values
Technology or R&D, Operations, Personnel, Marketing or Sales, Others
Pricing details2 tiers
1Pinjaman Multiguna: Rp 200,000 – Rp 20,000,000 loan amount, 120 days to 6 month tenor, maximum 0.3% fee per day
ModelUsage-basedBilling cadenceMonthly
Notes

Maximum fee 0.3% per day. Example: Rp 200,000 loan over 120 days returns Rp 272,000 (total fee Rp 72,000). Fee is charged on the borrower.

kredito.id
2Pinjaman Produktif: Rp 400,000 – Rp 200,000,000 loan amount, 30 to 360 days tenor, maximum 2.5% fee per month
ModelUsage-basedBilling cadenceMonthly
Notes

Maximum fee 2.5% per month. Example: Rp 200,000,000 loan over 3 months returns Rp 215,000,000 (total fee Rp 19,000,000, net received Rp 196,000,000 after deduction). Fee is charged on the borrower.

kredito.id
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

Kredito operates an OJK-licensed P2P lending platform (LPBBTI) that matches individual and institutional lenders (Pendana) with borrowers seeking collateral-free installment loans. It offers two product lines — Pinjaman Multiguna for employees and students (Rp 200,000–Rp 20,000,000) and Pinjaman Produktif for business owners (Rp 400,000–Rp 200,000,000) — delivered through a 100% online mobile and web application with automated credit scoring and digital identity verification.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 4 values shown
  • TKB90 of 96.06% — indicating high probability of successful loan repayment within 90 days of due date
+3 more records
Product overview1 text field

Kredito operates as a P2P lending (Fintech P2P Lending) platform under PT Fintek Digital Indonesia, offering a dual-sided marketplace connecting Lenders (Pendana) with Borrowers. The core product portfolio consists of two loan products: Pinjaman Multiguna targeting employees and students with short-term loans (120 days to 6 months), and Pinjaman Produktif targeting business owners with longer-term financing (30 to 360 days). The platform also includes a lender/funding services module enabling individual and business lenders to fund loans, and a mobile application for iOS and Android enabling 100% online loan applications and account management. All products share a common infrastructure for credit scoring, identity verification via VIDA, payment processing through virtual accounts, and regulatory reporting to OJK.

Product and service1 record
1Pinjaman Multiguna
Scale indicator7 records

Each record includes

Type, Value, Description, Source

Partnership5 partners
1PT Indonesia Digital Identity (VIDA)
Strategic tierCoreTypeTechnology or Integration
Description

VIDA provides electronic certificate issuance and digital signature services for Kredito's identity verification process. VIDA is a certified Electronic Certification Provider under the Ministry of Communication and Information. For loan agreements, borrower identity data (demographic and biometric) is verified against government databases, and VIDA issues an electronic certificate as proof of verified identity, enabling digital signatures on loan documents.

kredito.id
2Otoritas Jasa Keuangan (OJK)
Strategic tierCoreTypeTechnology or Integration
Description

Kredito is a licensed P2P lending platform registered and supervised by the Otoritas Jasa Keuangan (OJK) under POJK 40/2024 and POJK 22/2023. Kredito submits data to Pusat Data Fintech Lending (FDC) and complies with all regulatory reporting requirements.

3Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI)
Strategic tierCoreTypeTechnology or Integration
Description

Kredito is a member of AFPI, the Indonesian P2P lending fintech association. The association sets industry standards and facilitates data sharing for credit risk assessment among member platforms.

4Kredit Bureau (Biro Kredit)
Strategic tierCoreTypeTechnology or Integration
Description

Kredito exchanges borrower credit data with credit bureaus for credit scoring and risk assessment purposes, enabling better evaluation of borrower creditworthiness.

kredito.id
5Insurance Partners
Strategic tierMinorTypeStrategic or Co-development Partner
Description

Kredito partners with insurance companies to provide credit insurance protection for lenders. Selected loan disbursements are guaranteed by insurance partners to reduce lender risk exposure.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Peers10 records
1Amartha
TypeDirect peer
Description

Leading Indonesian P2P lending platform focused on microfinance, particularly women entrepreneurs in rural areas. AFPI member and OJK-licensed, serving similar collateral-free lending demand for underbanked borrowers.

2Investree
TypeDirect peer
Description

Indonesian OJK-regulated P2P lending platform focused on SME financing. Operates a similar lender-borrower marketplace model targeting Indonesian businesses and competes directly with Kredito's Pinjaman Produktif product.

3Danamas
TypeDirect peer
Description

Indonesian OJK-licensed P2P lending platform focused on productive loans for SMEs and individual borrowers. Direct competitor offering similar collateral-free installment loan products to Indonesian borrowers.

4Akseleran
TypeDirect peer
Description

OJK-licensed Indonesian P2P lending platform offering collateral-free productive loans to SMEs. Operates a similar marketplace lending model with comparable fee structures and target borrower segments.

5Kredit Pintar
TypeBroad incumbent
Description

Indonesian digital lending platform (part of the larger Pintar Group) serving both consumer and business borrowers. A broader incumbent in the online lending space with overlapping product offerings and target segments to Kredito.

6KoinWorks
TypeDirect peer
Description

One of Indonesia's largest OJK-licensed P2P lending platforms serving SMEs and individual borrowers with online loan products. Direct competitor to Kredito in the Indonesian marketplace lending space, with similar horizontal segmentation across consumers and business owners.

7Funding Societies | Modalku
TypeRegional player
Description

Largest SME P2P lending platform in Southeast Asia, operating in Indonesia as Modalku. Competes with Kredito in Indonesian SME financing but also serves Singapore, Malaysia, Thailand, and Vietnam, giving it regional scale advantages.

8AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia)
TypeOthers
Description

The Indonesian P2P lending industry association of which Kredito is a member. Not a direct competitor but a key ecosystem enabler that sets industry standards and facilitates data sharing among member P2P platforms.

9Modalkita
TypeDirect peer
Description

Indonesian P2P lending platform specializing in SME financing for micro and small businesses. Direct competitor in the productive loan category targeting business owners in Indonesia.

10Taralite
TypeEmerging player
Description

Indonesian P2P lending platform offering small-ticket consumer and productive loans to underbanked borrowers. Overlaps with Kredito's Pinjaman Multiguna product on the consumer side and competes for similar employee/student segments.

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat4 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights7 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Segment3 records

Each record includes

Title, Type, Primary, Description, Pain point addressed, Use case, Source

Ideal customer profile4 records

Each record includes

Profile, Firmographic size, Sales motion, Sales cycle length, Buying structure, Purchase trigger, Buyer persona, Geography, Industry vertical, Primary use case, Description, Pain points, Evidence proof points, Target buyer

Technology focused
Yes
API detail
Has APIbool
No

Docs URL, Description

Integration2 records

Each record includes

Title, Type, Description, Source

AI maturity
App detail

Has app

Feature4 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
Compliance2 records

Each record includes

Name, Class, Description

Funding overview

Funding stage, Last funding date, Total funding USD

Funding rounds

Each record includes

Round, Amount USD, Date, Pre money valuation, Total investors, Investors, News

Investors

Each record includes

Name, Type, Date of entry, Rounds participated, Website

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Each record includes

Name, Acquisition type, Announced date, Completed date, Status, Website, News

Investment

Each record includes

Name, Round, Announced date, Lead investor, Website, News

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Kredito

Peer-to-Peer Consumer Lendingkredito.id

Kredito is an OJK-licensed Indonesian P2P lending platform that connects individual lenders with salaried employees, students, and small business owners, offering collateral-free digital loans through its mobile and web apps.

What Kredito does

Kredito (legally PT Fintek Digital Indonesia) is an Indonesian peer-to-peer lending platform operating as a Layanan Pendanaan Bersama Berbasis Teknologi Informasi (LPBBTI) under OJK licenses POJK 40/2024 and POJK 22/2023. The company connects individual and institutional lenders with three horizontal borrower segments — salaried employees, university students, and small/micro business owners — through a fully digital, collateral-free application flow accessible via web and a mobile app on iOS and Android. Borrower onboarding relies on digital identity verification through a partnership with PT Indonesia Digital Identity (VIDA), with credit decisions supported by bureau data exchange, AFPI data sharing, and an internally developed credit scoring model that references AI/machine learning in its privacy disclosures.

The platform operates a dual-sided marketplace with two principal products: Pinjaman Multiguna for employees and students (Rp 200,000 to Rp 20,000,000, 120 days to 6 months, maximum 0.3% per day fee) and Pinjaman Produktif for business owners (Rp 400,000 to Rp 200,000,000, 30 to 360 days, maximum 2.5% per month fee). Loan servicing is supported by mandatory escrow accounts, virtual-account repayment through bank branches and convenience-store chains (Alfamart, Indomaret), and credit insurance on selected disbursements. Kredito monetizes primarily through transaction fees charged to borrowers, with a TKB90 of 96.06% publicly disclosed on its homepage.

Operationally, Kredito reports cumulative lifetime disbursement of Rp 5.45 trillion across 677,730 registered borrowers and 26 lenders, but current-period disbursement is only Rp 31.4 million and the outstanding portfolio sits at Rp 149.66 million with just 14 active lenders. The platform serves all of Indonesia through digital channels, maintains a Jakarta headquarters and a Tangerang operational office, employs 51–100 staff, and has published audited financial statements annually from 2020 through 2025. No external parent, venture capital investor, or acquisition history is disclosed.

Kredito firmographics

Firmographics
Name
Kredito
Legal name
PT Fintek Digital Indonesia
Website
https://kredito.id
Company type
Private
Founded year
2016
Operating status
Operating
Headcount range
51–100 employees
Short description
Kredito is an OJK-licensed Indonesian P2P lending platform that connects individual lenders with salaried employees, students, and small business owners, offering collateral-free digital loans through its mobile and web apps.
Ownership category
akta.pro rank

Kredito 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
P2P Small Business / SME Marketplace Lending (FSAKAHAC)
akta.pro secondary industries
Consumer P2P Personal Loans (Unsecured) (FSAKAHAA), Microfinance & Community P2P Lending (FSAKAHAD)

Keywords

  • P2P lending
  • Online consumer loans
  • Digital lending platform
  • Collateral-free credit
  • Fintech lending services

Where Kredito is headquartered

Location

Headquarters

HQ city
Setiabudi
HQ country
Indonesia
HQ region
Asia

Offices2 records

Markets served

Kredito business model

Business model
GTM type
B2C
Offering type
Services
Cost components
Technology or R&D, Operations, Personnel, Marketing or Sales, Others

Revenue model

  1. Interest & Fee Income from Borrowers: Kredito generates revenue by charging borrowers interest and fees on loans extended through its platform. For Pinjaman Multiguna, the maximum fee is 0.3% per day (approximately 108% annualized). For Pinjaman Produktif, the maximum fee is 2.5% per month. The platform facilitates direct lending between lenders and borrowers, with Kredito earning a spread or fee from each transaction.

Pricing tiers

ModelBillingPrice
Usage-basedMonthlyPinjaman Multiguna: Rp 200,000 – Rp 20,000,000 loan amount, 120 days to 6 month tenor, maximum 0.3% fee per day
Usage-basedMonthlyPinjaman Produktif: Rp 400,000 – Rp 200,000,000 loan amount, 30 to 360 days tenor, maximum 2.5% fee per month

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Kredito product offering

Product offering

Core offering

Kredito operates an OJK-licensed P2P lending platform (LPBBTI) that matches individual and institutional lenders (Pendana) with borrowers seeking collateral-free installment loans. It offers two product lines — Pinjaman Multiguna for employees and students (Rp 200,000–Rp 20,000,000) and Pinjaman Produktif for business owners (Rp 400,000–Rp 200,000,000) — delivered through a 100% online mobile and web application with automated credit scoring and digital identity verification.

Product overview

Kredito operates as a P2P lending (Fintech P2P Lending) platform under PT Fintek Digital Indonesia, offering a dual-sided marketplace connecting Lenders (Pendana) with Borrowers. The core product portfolio consists of two loan products: Pinjaman Multiguna targeting employees and students with short-term loans (120 days to 6 months), and Pinjaman Produktif targeting business owners with longer-term financing (30 to 360 days). The platform also includes a lender/funding services module enabling individual and business lenders to fund loans, and a mobile application for iOS and Android enabling 100% online loan applications and account management. All products share a common infrastructure for credit scoring, identity verification via VIDA, payment processing through virtual accounts, and regulatory reporting to OJK.

Differentiator

Problem solved

Functional benefit

Products and services

  • Pinjaman Multiguna

Quantifiable outcome

  • TKB90 of 96.06% — indicating high probability of successful loan repayment within 90 days of due date
  • +3 more outcomes

Companies that use Kredito

Customer profile

Segments3 records

Ideal customer profiles4 records

Kredito technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Kredito partnerships and signals

Strategic signal

Partnerships

Five partnerships are on record, tiered core and minor.

  • PT Indonesia Digital Identity (VIDA)coreTechnology or IntegrationVIDA provides electronic certificate issuance and digital signature services for Kredito's identity verification process. VIDA is a certified Electronic Certification Provider under the Ministry of Communication and Information. For loan agreements, borrower identity data (demographic and biometric) is verified against government databases, and VIDA issues an electronic certificate as proof of verified identity, enabling digital signatures on loan documents.
  • Otoritas Jasa Keuangan (OJK)coreTechnology or IntegrationKredito is a licensed P2P lending platform registered and supervised by the Otoritas Jasa Keuangan (OJK) under POJK 40/2024 and POJK 22/2023. Kredito submits data to Pusat Data Fintech Lending (FDC) and complies with all regulatory reporting requirements.
  • Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI)coreTechnology or IntegrationKredito is a member of AFPI, the Indonesian P2P lending fintech association. The association sets industry standards and facilitates data sharing for credit risk assessment among member platforms.
  • Kredit Bureau (Biro Kredit)coreTechnology or IntegrationKredito exchanges borrower credit data with credit bureaus for credit scoring and risk assessment purposes, enabling better evaluation of borrower creditworthiness.
  • Insurance PartnersminorStrategic or Co-development PartnerKredito partners with insurance companies to provide credit insurance protection for lenders. Selected loan disbursements are guaranteed by insurance partners to reduce lender risk exposure.

Scale indicators7 records

Recent moves6 records

Kredito competitors and assessment

Company assessment

Direct peers

  • Amartha: Leading Indonesian P2P lending platform focused on microfinance, particularly women entrepreneurs in rural areas. AFPI member and OJK-licensed, serving similar collateral-free lending demand for underbanked borrowers.
  • Investree: Indonesian OJK-regulated P2P lending platform focused on SME financing. Operates a similar lender-borrower marketplace model targeting Indonesian businesses and competes directly with Kredito's Pinjaman Produktif product.
  • Danamas: Indonesian OJK-licensed P2P lending platform focused on productive loans for SMEs and individual borrowers. Direct competitor offering similar collateral-free installment loan products to Indonesian borrowers.
  • Akseleran: OJK-licensed Indonesian P2P lending platform offering collateral-free productive loans to SMEs. Operates a similar marketplace lending model with comparable fee structures and target borrower segments.
  • KoinWorks: One of Indonesia's largest OJK-licensed P2P lending platforms serving SMEs and individual borrowers with online loan products. Direct competitor to Kredito in the Indonesian marketplace lending space, with similar horizontal segmentation across consumers and business owners.
  • Modalkita: Indonesian P2P lending platform specializing in SME financing for micro and small businesses. Direct competitor in the productive loan category targeting business owners in Indonesia.

Broad incumbents

  • Kredit Pintar: Indonesian digital lending platform (part of the larger Pintar Group) serving both consumer and business borrowers. A broader incumbent in the online lending space with overlapping product offerings and target segments to Kredito.

Regional players

  • Funding Societies | Modalku: Largest SME P2P lending platform in Southeast Asia, operating in Indonesia as Modalku. Competes with Kredito in Indonesian SME financing but also serves Singapore, Malaysia, Thailand, and Vietnam, giving it regional scale advantages.

Others

  • AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia): The Indonesian P2P lending industry association of which Kredito is a member. Not a direct competitor but a key ecosystem enabler that sets industry standards and facilitates data sharing among member P2P platforms.

Emerging players

  • Taralite: Indonesian P2P lending platform offering small-ticket consumer and productive loans to underbanked borrowers. Overlaps with Kredito's Pinjaman Multiguna product on the consumer side and competes for similar employee/student segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Kredito social profiles

Digital presence

Kredito compliance and trust

Trust signal

Compliance2 records

Kredito financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Kredito leadership team

Management profile

Number of profiles

Kredito funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Kredito M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Kredito

What does Kredito do?

Kredito operates an OJK-licensed P2P lending platform (LPBBTI) that matches individual and institutional lenders (Pendana) with borrowers seeking collateral-free installment loans. It offers two product lines — Pinjaman Multiguna for employees and students (Rp 200,000–Rp 20,000,000) and Pinjaman Produktif for business owners (Rp 400,000–Rp 200,000,000) — delivered through a 100% online mobile and web application with automated credit scoring and digital identity verification.

Is Kredito a public or private company?

Kredito is a private company. It is classified as unknown and is currently operating.

When was Kredito founded?

Kredito was founded in 2016. It employs 51 to 100 people.

Where is Kredito based?

Kredito is headquartered in Setiabudi, Indonesia, in the Asia region.

How does Kredito make money?

One revenue line is on record: interest & Fee Income from Borrowers.

Who are Kredito's main competitors?

Direct peers on record are Amartha, Investree, Danamas, Akseleran, KoinWorks and Modalkita. Kredit Pintar is listed as a broad incumbent. Funding Societies | Modalku is listed as a regional player. AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia) is listed as an others. Taralite is listed as an emerging player.

Does Kredito have an API?

No public API is recorded for Kredito.

What industry is Kredito in?

Kredito's product category is Peer-to-Peer Consumer Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAHAA, Consumer P2P Personal Loans (Unsecured). Its NAICS code is 52231 and its SIC code is 6163.

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