PT Kredit Plus Teknologi

What PT Kredit Plus Teknologi does

PT Kredit Plus Teknologi is an Indonesian fintech company that operates the Pinjam Gampang peer-to-peer lending platform, connecting individual lenders with borrowers seeking micro-loans. Founded in 2017 and headquartered in Tangerang, Banten, the company is registered and supervised by Indonesia's Financial Services Authority (OJK) and is a member of the Asosiasi Fintech Indonesia (AFPI). Its primary product targets Indonesian citizens aged 21 and above with stable income who need quick access to small loans for personal financial needs, with ticket sizes ranging from Rp2,000,000 to Rp9,000,000 and a maximum 60-day tenor.

The platform is delivered exclusively as an Android mobile application distributed through the Google Play Store. Loan applications follow a self-service three-step verification process consisting of electronic Know Your Customer (e-KYC), digital signature, and credit scoring. Loan disbursement and repayment occur through virtual accounts in compliance with OJK Regulation No. 10/POJK.05/2022, which mandates escrow and virtual account usage for P2P lending operators in Indonesia. The company also publishes a TKB90 (90-day repayment success rate) of 100% and reports cumulative loan disbursement of Rp1.69 trillion across 314,252 borrowers since inception.

PT Kredit Plus Teknologi generates revenue primarily from transaction fees on peer-to-peer loans, including interest charged at 0.1% to 0.3% per day, as well as upfront processing fees for e-KYC, digital signature, SMS verification, and credit scoring. The business operates as a product-led, mobile-first platform with no physical branches, relying on financial literacy events and OJK-supervised branding as its principal customer acquisition channels. The platform competes in the Indonesian micro-lending segment against other OJK-licensed fintech lenders, with its regulatory compliance and AFPI membership serving as core differentiators.

Name

PT Kredit Plus Teknologi

Legal name

PT Kredit Plus Teknologi

Website

https://www.kreditplusteknologi.id/

Company type

Private

Founded year

2017

Operating status

Operating

Short description

PT Kredit Plus Teknologi operates Pinjam Gampang, an OJK-supervised Indonesian P2P lending Android platform providing micro-loans of Rp2M-Rp9M with 60-day tenor to individual borrowers needing quick, collateral-free access to small personal loans.

Ownership category

akta.pro rank

Product category

Consumer Peer-to-Peer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)

SIC

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

akta.pro primary industry

Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)

akta.pro secondary industry

P2P Loan Servicing & Collections (Marketplace-Specific) (FSAKAHAN)

Keywords

• Peer-to-peer lending
• Consumer micro-lending
• Mobile lending platform
• Digital loan services
• Short-term personal loans

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Peer-to-Peer Lending Interest: PT Kredit Plus Teknologi operates as a P2P lending platform connecting lenders (pemberi pinjaman) with borrowers (penerima pinjaman). Revenue is generated from interest charges on loans disbursed to borrowers, with daily interest rates ranging from 0.1% to 0.3% per day. The platform also charges upfront fees including E-KYC, Digital Signature, SMS, and Credit Scoring fees as part of the loan processing costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

PT Kredit Plus Teknologi operates Pinjam Gampang, a mobile-first peer-to-peer lending platform that connects lenders with Indonesian borrowers through an Android application. The platform provides unsecured micro-loans ranging from Rp2,000,000 to Rp9,000,000 with a maximum 60-day tenor and daily interest rates between 0.1% and 0.3%. Loan origination is conducted via a simplified 3-step digital verification flow comprising e-KYC, digital signature, and credit scoring, with disbursement and repayment handled through OJK-mandated virtual accounts.

Product overview

PT Kredit Plus Teknologi operates Pinjam Gampang as a unified mobile-based P2P lending platform regulated by Indonesia's Financial Services Authority (OJK). The platform connects lenders with borrowers through a dedicated Android application, offering the Dana Gampang loan product with amounts up to Rp9,000,000 and 60-day tenors. The service emphasizes simple verification (e-KYC, digital signature, SMS, and credit scoring) and competitive daily interest rates between 0.1% and 0.3%.

Differentiator

Problem solved

Functional benefit

Brands

• Dana Gampang: Loan product offering up to Rp9,000,000 with 60-day tenor, featuring competitive interest rates of 0.1% to 0.3% per day.

Products and services

• Pinjam Gampang Mobile Application

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

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• Otoritas Jasa Keuangan (OJK)coreOthersPT Kredit Plus Teknologi is a registered and supervised P2P lending company under the supervision of Otoritas Jasa Keuangan (OJK), Indonesia's Financial Services Authority. The company operates in compliance with OJK regulations including Regulation No. 10/POJK.05/2022 on Information Technology-Based Money Lending and Borrowing Services. The platform is legally bound to use escrow accounts and virtual accounts as mandated by this regulation.
• Asosiasi Fintech Indonesia (AFPI)coreOthersPT Kredit Plus Teknologi is a member of the Indonesian Fintech Association (AFPI), the self-regulatory organization for fintech companies in Indonesia. AFPI membership demonstrates commitment to industry standards, best practices, and consumer protection guidelines in the P2P lending sector.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• KoinWorks: One of Indonesia's largest OJK-registered P2P lending platforms, offering consumer and SME loans via mobile app. Highly comparable business model, regulatory standing, and target borrower segment to Pinjam Gampang.
• Kredit Pintar: Indonesian P2P lending platform focused on small-ticket, short-tenor consumer loans via Android app. Closely comparable to Pinjam Gampang in product design, ticket size range, and target borrower profile.
• Modalku (Funding Societies): OJK-regulated Indonesian P2P lending platform (part of Funding Societies Group) providing digital loans to SMEs and individuals. Directly comparable platform model with broader ticket-size range.
• Investree: One of the earliest OJK-registered Indonesian P2P lending platforms, providing marketplace lending to SMEs and consumers. Comparable platform architecture and regulatory positioning.
• Amartha: Indonesian P2P lending platform focused on financial inclusion for micro-entrepreneurs and underserved borrowers. Comparable OJK-registered model serving similar borrower demographics.
• Akulaku: Indonesia- and Southeast Asia-focused consumer fintech offering credit and BNPL services via mobile app. Comparable mobile-first consumer credit model targeting similar demographics.
• Tunaiku (Bank Amar Indonesia): Digital lending product from Bank Amar Indonesia offering uncollateralized consumer loans via mobile app. Comparable Indonesian consumer micro-lending model with digital-first distribution.
• Danamas: OJK-registered Indonesian P2P lending platform focused on SME and consumer lending. Comparable regulated platform model and Indonesian market focus.
• Mekar (PT Mekar Investama Sampurna): Indonesian OJK-registered P2P lending platform connecting lenders with micro-borrowers and SMEs. Comparable regulated marketplace lending model with similar target segment.

Emerging players

• Pinjam Modal: Indonesian online lending aggregator and comparison platform for P2P lenders. Comparable Indonesian consumer lending focus, though operating as an aggregator rather than a direct lender.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/pinjamgampang

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 PT Kredit Plus Teknologi