PDaja.com
PDaja.com is an Indonesian digital lending platform operated by Bank Sahabat Sampoerna that originates property-backed multi-purpose revolving credit loans (interest only on drawn amounts) and B2B payroll and invoice financing products for individuals, SMBs, and corporates across seven Indonesian cities.
- Company typePrivate
- Founded2009
- HeadquartersJakarta, Indonesia
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What PDaja.com does
PDaja.com is an Indonesian digital lending platform wholly operated by Bank Sahabat Sampoerna, a financial institution licensed and supervised by OJK and Bank Indonesia and a participant in the LPS deposit guarantee scheme. Headquartered at Sampoerna Strategic Square in South Jakarta, the platform provides multi-purpose loans (pinjaman multiguna) secured by property certificates (SHM, SHGB, SHMSRS) covering houses, shophouses, warehouses, and apartments. Its central technical and commercial differentiator is the Pinjaman Rekening Koran facility — a revolving credit line on which borrowers pay interest (0.05% per day, ~1.5% per month, ~18% per annum) only on the amount actually drawn, with principal repayable at end of the 12-month renewable tenor. The platform supports a 100% online application flow with a 10-minute initial indicative offer and a 7–14 working-day disbursement cycle after appraisal, and offers appraisal-fee cashback upon approval.
The product portfolio is segmented across five offerings: EXPRO (for employees, executives, and professionals such as doctors, teachers, civil servants, and content creators, with limits up to Rp5 billion), PROBIZ (for medium-to-large entrepreneurs, up to Rp10 billion), MEKARINAJA (for new business starters with no minimum operating-history requirement, up to Rp5 billion), PAYROLL LOAN (an unsecured B2B product with salary auto-debit, tenors 12–48 months, limits up to Rp150 million), and SAMPOERNA BUSINESS SOLUTION (a B2B invoice financing and accounts-payable automation platform connecting principals, suppliers, and the bank). Loan limits range from Rp250 million to Rp10 billion across the secured products.
Commercially, PDaja.com combines direct-to-consumer digital acquisition (website, WhatsApp, SEO, content marketing) with a dual-channel partner referral program comprising approximately 1,800 individual agents (Mitra Bisnis Individu) earning up to 2% commission per disbursement and 35 corporate partners (Mitra Bisnis Korporasi) earning 1% plus top-up and renewal incentives. Reported cumulative scale includes Rp1.9 trillion in loans disbursed across 1,051 borrowers with 800 active loans, and Rp12 billion in cumulative partner incentives paid. The company serves seven Indonesian urban clusters — Jabodetabek, Bandung, Surabaya, Bali, Sidoarjo, Gresik, and Malang — and operates with a reported headcount range of 1,001–5,000 employees, which likely reflects the broader Bank Sahabat Sampoerna lending organization rather than platform-only staff.
PDaja.com firmographics
Firmographics- Name
- PDaja.com
- Legal name
- PDaja.com
- Website
- https://pdaja.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- PDaja.com is an Indonesian digital lending platform operated by Bank Sahabat Sampoerna that originates property-backed multi-purpose revolving credit loans (interest only on drawn amounts) and B2B payroll and invoice financing products for individuals, SMBs, and corporates across seven Indonesian cities.
- Ownership category
- akta.pro rank
PDaja.com industry classification
Industry- Product category
- Property-Backed Consumer Lending
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Depository Credit Intermediation (5221)
- SIC
- Loan Brokers (6163), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- P2P Secured / Collateralized Lending (General) (FSAKAHAJ)
- akta.pro secondary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
Keywords
Where PDaja.com is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices1 record
Markets served
PDaja.com business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain
Revenue model
- Interest Income: Revenue generated from interest on revolving credit loans. Interest rate is 0.05% per day (approximately 1.5% per month/18% per annum). Interest is calculated only on the amount actually used, not the total facility limit.
- Appraisal Fees: Property appraisal fees charged during loan application process, with full cashback offered upon loan approval.
- Partner Commissions and Incentives: Revenue share with business partners (Mitra Bisnis) who refer borrowers, earning commission from 1-2% per successful disbursement.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | EXPRO - For employees, executives, and professionals (doctors, teachers, civil servants, content creators) |
| Subscription | Monthly | PROBIZ - For medium to large scale entrepreneurs |
| Subscription | Monthly | MEKARINAJA - For new business starters |
| Subscription | Monthly | PAYROLL LOAN - For company employees (B2B) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
PDaja.com product offering
Product offeringCore offering
PDaja.com is a digital lending platform that provides multi-purpose loans (pinjaman multiguna) secured against property certificates (SHM, SHGB, SHMSRS) including houses, shophouses, warehouses, and apartments. Its flagship facility is Pinjaman Rekening Koran, a revolving credit line where borrowers pay interest only on the amount actually drawn rather than the total approved limit, with limits starting at Rp250 million and interest from 0.05% per day. The platform is managed by Bank Sahabat Sampoerna, supervised by OJK and Bank Indonesia, and also offers B2B payroll loans and invoice financing.
Product overview
PDaja.com is a digital multi-purpose loan platform managed by Bank Sahabat Sampoerna, offering property-backed loans (rumah, ruko, gudang, apartemen) with SHM, SHGB, and SHMSRS certificates as collateral. The portfolio consists of six core products: EXPRO (for employees and professionals), PROBIZ (for medium-to-large business expansion), MEKARINAJA (for new business owners), PAYROLL LOAN (unsecured employee financing via salary deduction), SAMPOERNA BUSINESS SOLUTION (B2B invoice financing platform), and Pinjaman Rekening Koran (flexible overdraft facility with usage-based interest). All products operate on the Rekening Koran (overdraft account) facility model with loan limits starting from Rp250 million and interest rates from 0.05% per day (1.5% per month).
Differentiator
Problem solved
Functional benefit
Products and services
- EXPRO Multi-purpose loan (pinjaman multiguna) for employees, executives, and professionals such as doctors, teachers, civil servants (PNS), and content creators, using a property certificate (SHM, SHGB, SHMSRS) as collateral. Revolving credit facility with limits from Rp250 million to Rp5 billion, 12-month renewable tenor, and 0.05% per day interest (1.5% per month). No minimum business operating period required.
- PROBIZ Multi-purpose loan facility for Indonesian entrepreneurs operating medium-to-large scale businesses who want to expand. Backed by property certificates (rumah, ruko, apartemen, gudang), with revolving credit limits from Rp250 million to Rp10 billion, 12-month renewable tenor, and 0.05% per day interest (1.5% per month).
- MEKARINAJA Multi-purpose loan with a revolving credit (Rekening Koran) facility designed for newly starting entrepreneurs, with no minimum business-operating period required and flexible documentation requirements. Plafond from Rp250 million to Rp5 billion with extendable tenor and 0.05% per day interest.
- PAYROLL LOAN Unsecured loan product for employees of partner companies, with repayment via auto-debit salary deduction integrated into the company's payroll. Loan up to Rp150 million, flexible 12-48 month tenor, interest rates positioned below peer-to-peer lending, KTA, and credit cards. No collateral required.
- SAMPOERNA BUSINESS SOLUTION (SBS) B2B digital invoice financing platform that brings together principals, suppliers, and the bank for buying and selling of invoice claims. Automates payment processing and invoice administration between corporate principals and their suppliers.
- Pinjaman Rekening Koran (Revolving Credit Facility) Flexible revolving credit facility that allows borrowers to draw funds progressively and pay interest only on the amount actually used, in contrast to installment loans that charge interest on the entire plafond. Supports 12-month renewable tenor with daily interest calculation, and accepts property certificates (SHM, SHGB, SHMSRS) as collateral.
Quantifiable outcome
- Interest savings through pay-as-you-use model vs competitors who charge interest on total facility
- +2 more outcomes
Companies that use PDaja.com
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles5 records
PDaja.com technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
PDaja.com partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core and minor.
- Lendingpot IndonesiacorePartner platform that synergizes with PDaja.com to strengthen UMKM and UKM access to financing in Indonesia.
- RITZ AcademyminorEducational institution partner that collaborates with PDaja.com for business referral program.
- PT deGadai Solusi DigitalcoreDigital pawnshop company that offers branded bag collateral loans, partnered with PDaja.com for property-backed financing solutions.
- FinloanminorFinancial services partner that works with PDaja.com to help customers with KPR take-over services.
- PT Prabu Mega PropertiminorProperty company that innovates through partnership with PDaja.com for property-backed financing.
- AgreeSIPminorDigital partner that synergizes with PDaja.com to distribute multi-purpose financing through digitalization.
- PT. Griya Bina SejahteraminorPartner that invites Indonesian society to achieve success together through PDaja.com financing partnership.
- FundeeminorPartner brand logo displayed in corporate partner section of PDaja.com website.
- PayuungminorB2B partner brand logo displayed in corporate partner section of PDaja.com website.
- PinhomeminorProperty technology partner displayed in corporate partner section.
- MoneyduckminorFinancial services comparison platform partner.
- Lendingpot IndonesiaminorB2B lending platform partner displayed in corporate partner section.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
PDaja.com competitors and assessment
Company assessmentEmerging players
- DanaiPintar: Indonesian digital lending platform offering consumer and SME credit. Comparable as a domestic fintech lender pursuing SME and salaried segments, though smaller and less established than PDaja.com's parent-backed platform.
- Pohondana Dana Indonesia: Indonesian fintech lending platform with P2P-style SME offerings. Comparable in product category and target market though smaller and earlier-stage, providing peer insight on Indonesian fintech lending valuation benchmarks.
Direct peers
- KoinWorks: Indonesian digital lending platform serving SMEs with multi-purpose and invoice financing. Operates in the same Indonesian market with similar multi-segment SME and professional borrower focus, though primarily P2P/funded by retail investors rather than a bank balance sheet.
- Julo: Indonesian consumer and SME digital lending fintech offering cash loans and Kredit Pintar-style products. Competitor in the same Indonesian digital lending space targeting salaried professionals and small businesses.
- Amartha: Indonesian P2P lending fintech focused on micro and SME borrowers across Indonesia. Comparable as a domestic digital lending platform pursuing the same underbanked Indonesian SME segment, though concentrated in microfinance rather than property-backed credit.
- Investree: Indonesian P2P lending platform offering SME and invoice financing with OJK supervision. Direct competitor in the same digital lending category targeting Indonesian SMEs with working capital and invoice products.
- Funding Societies (Modalku) Indonesia: SME-focused digital lending platform operating in Indonesia (formerly Modalku). Directly comparable as a fintech lender serving Indonesian SMEs with similar ticket sizes and multi-product structure.
Broad incumbents
- Bank Mandiri (Digital Channel): Indonesia's largest state-owned bank with a substantial digital lending channel serving SMEs and professionals. Provides similar property-backed and unsecured employee loans at scale, representing the incumbent bank alternative to PDaja.com's offering.
- Adira Finance: One of Indonesia's largest multi-purpose finance companies, providing collateralized and unsecured loans to consumers and SMEs. Comparable as a large incumbent offering secured, asset-backed lending across the country with broader product portfolio.
Others
- Pinhome (Property Financing): Indonesian property technology platform serving home buyers, listed as a corporate partner of PDaja.com. Adjacent ecosystem participant connecting property-related financing demand to lenders like PDaja.com.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
PDaja.com social profiles
Digital presencePDaja.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
PDaja.com leadership team
Management profileNumber of profiles
PDaja.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PDaja.com 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 PDaja.com
What does PDaja.com do?
PDaja.com is a digital lending platform that provides multi-purpose loans (pinjaman multiguna) secured against property certificates (SHM, SHGB, SHMSRS) including houses, shophouses, warehouses, and apartments. Its flagship facility is Pinjaman Rekening Koran, a revolving credit line where borrowers pay interest only on the amount actually drawn rather than the total approved limit, with limits starting at Rp250 million and interest from 0.05% per day. The platform is managed by Bank Sahabat Sampoerna, supervised by OJK and Bank Indonesia, and also offers B2B payroll loans and invoice financing.
Is PDaja.com a public or private company?
PDaja.com is a private company. It is classified as corporate owned and is currently operating.
When was PDaja.com founded?
PDaja.com was founded in 2009. It employs 1,001 to 5,000 people.
Where is PDaja.com based?
PDaja.com is headquartered in Jakarta, Indonesia, in the Asia region.
How does PDaja.com make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are appraisal Fees and partner Commissions and Incentives.
Who are PDaja.com's main competitors?
Emerging players on record are DanaiPintar and Pohondana Dana Indonesia. Direct peers are KoinWorks, Julo, Amartha, Investree and Funding Societies (Modalku) Indonesia. Broad incumbents are Bank Mandiri (Digital Channel) and Adira Finance. Pinhome (Property Financing) is listed as an others.
Does PDaja.com have an API?
No public API is recorded for PDaja.com.
What industry is PDaja.com in?
PDaja.com's product category is Property-Backed Consumer Lending. Its primary akta.pro industry code is FSAKAHAJ, P2P Secured / Collateralized Lending (General), with a secondary code of FSAKAHAC, P2P Small Business / SME Marketplace Lending. Its NAICS code is 522320 and its SIC code is 6163.