Aktivaku

What Aktivaku does

Aktivaku is an Indonesian peer-to-peer lending marketplace operator (legal entity PT Aktivaku Investama Teknologi), founded in 2018 and headquartered in Jakarta. The platform connects lenders with borrowers across five collateral-backed products: AktivaSwitch (1-2 month bridging/credit-takeover loans), AktivaFlow (invoice financing up to 12 months), AktivaStart (contract/SPK-backed working capital up to 12 months), AktivaPlus (multi-purpose 3-6 month financing) and AktivaHome (homeownership up to 15 years targeting informal-sector borrowers). Underlying infrastructure combines a self-serve web platform (web.aktivaku.com) with Digisign electronic signature integration, SLIK OJK credit-bureau checks, BNI-backed Rekening Dana Lender (RDL) escrow and virtual accounts, psychometric-based alternative credit assessment, and AFPI Fintech Data Center reporting. The platform is OJK-regulated under POJK No. 40/2024 and an AFPI member.

Aktivaku serves two sides of its marketplace. On the demand side, the primary customer segment is Indonesian MSMEs and contractors needing short-tenor working-capital financing against invoices or contracts, followed by individuals and a niche informal-sector segment for AktivaHome. Minimum ticket size is Rp 100 million, with loans ranging up to Rp 2 billion and tenors from one month to fifteen years. On the supply side, Aktivaku aggregates a mix of 537 cumulative lenders (515 personal, 22 institutional) and operates an institutional channeling model with BPR partners (notably BPR Xen and BPR Karunia Kanaka) that combine local market reach with Aktivaku's technology stack.

Revenue is generated from transaction fees on loan facilitation — admin fees, provision fees, notary fees, and appraisal fees — on individual and channeling flows, with borrowers paying 14-21% annual interest and lenders receiving returns starting from 14% per annum. Disbursements to date total Rp 909 billion cumulative across 449 borrowers, with Rp 38.61 billion disbursed YTD and Rp 55.24 billion in active remaining principal. Repayment performance (TKB Total) is reported at 96.75%-98.96%. Founder-led with no disclosed external equity backing, the company pursues growth primarily through product extension and BPR/dealer channel partnerships rather than aggressive capital-led scaling.

Name

Aktivaku

Legal name

PT Aktivaku Investama Teknologi

Website

https://aktivaku.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

Aktivaku is an OJK-regulated Indonesian peer-to-peer lending platform (PT Aktivaku Investama Teknologi) that connects individual and institutional lenders with MSMEs, contractors, and informal-sector borrowers via five collateral-backed products covering bridging loans, invoice financing, working capital, multipurpose credit, and homeownership.

Ownership category

akta.pro rank

Product category

Peer-to-Peer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Other Nondepository Credit Intermediation (52229), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Peer-to-peer lending
• P2p lending platform
• Online lending marketplace
• Fintech lending services
• Productive financing

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Loan transaction fees and origination fees: Aktivaku charges borrowers fees including admin fees, provision fees, notary fees, and appraisal fees. The company earns transaction-based income from loan facilitation between lenders and borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Aktivaku operates an OJK-licensed peer-to-peer lending platform that connects individual and institutional lenders with borrowers in Indonesia. The platform offers five asset-backed loan products: AktivaSwitch (bridging loans for property/credit takeovers), AktivaFlow (invoice financing), AktivaStart (contract/SPK-based working capital), AktivaPlus (multi-purpose financing), and AktivaHome (homeownership financing for informal-sector borrowers). Revenue is generated from transaction-based fees on loan facilitation.

Product overview

Aktivaku is a peer-to-peer (P2P) lending marketplace platform operated by PT Aktivaku Investama Teknologi, licensed and supervised by Indonesia's Financial Services Authority (OJK). The platform connects lenders (pendana) seeking returns with borrowers needing productive financing, primarily secured by assets and/or contracts. The product portfolio consists of five distinct offerings: AktivaSwitch (bridging/transition loans for property transactions), AktivaFlow (invoice-based working capital financing), AktivaStart (contract/SPK-based working capital financing), AktivaPlus (multi-purpose asset-backed loans), and AktivaHome (mortgage-equivalent financing for informal-sector borrowers). Products share a common infrastructure for KYC/electronic signature (via Digisign), credit risk assessment, and escrow/virtual account fund management. The platform also serves as the technology layer through which institutional partners such as BPRs channel loan products.

Differentiator

Problem solved

Functional benefit

Brands

• AktivaSwitch: Bridging loan/dana talangan product for credit facility transfer, property transactions, and related costs with tenor of 1-2 months
• AktivaFlow
• AktivaStart
• AktivaPlus
• AktivaHome

Products and services

• AktivaSwitch Bridging loan product (dana talangan) providing short-term financing for property-related transactions, including KPR takeovers, property purchases and sales, transaction costs (taxes, admin, insurance, down payment), and closure/re-opening of credit facilities. Loan amounts range from Rp 300 million to Rp 2 billion, disbursing up to 80% of the offering letter (SP3K) value, with tenors of 1-2 months.
• AktivaFlow Invoice-based working capital financing for businesses in the supply chain, using unpaid invoices from employers as collateral. Disburses Rp 300 million to Rp 2 billion (up to 80% of invoice value), with tenors aligned to invoice maturity. Secured by fiduciary lien on the financed invoice and personal guarantee.
• AktivaStart Working capital financing backed by work contracts (SPK/PO/Kontrak) from employers. Designed for contractors and project-based businesses, disbursing Rp 300 million to Rp 2 billion (up to 80% of contract value) with tenors matching the project timeline. Secured by asset liens and personal guarantees.
• AktivaPlus Multi-purpose asset-backed financing for productive and consumptive goals, targeting employees, professionals, and entrepreneurs who have verifiable income and adequate collateral. Supports both individual and business borrowers with flexible financing aligned to the borrower's financial capacity.
• AktivaHome Homeownership financing product targeting underserved informal-sector workers (freelancers, gig workers, informal laborers) who lack traditional proof of income required by banks. Uses technology-assisted multi-angle analysis to assess creditworthiness. Loan tenors extend up to 15 years for properties priced Rp 150 million to Rp 600 million, with interest rates of 12-14% per annum.

Quantifiable outcome

• TKB Total (loan repayment success rate) of 96.75%-98.96% across all tenors (TKB90, TKB60, TKB30, TKB0)
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• BPR XencoreChannel Partner/ Reseller/ Distributor · 24 August 2023Channeling partnership for loan disbursement targeting Rp 50 billion per month through end of 2023. BPR Xen provides institutional lending through Aktivaku's platform. Partnership leverages BPR's SME segment expertise and Aktivaku's technology to expand lending reach.
• PT BPR Karunia KanakacoreChannel Partner/ Reseller/ Distributor · 15 June 2022Strategic channeling partnership to expand loan distribution network for Credit Takeover (AktivaSwitch) and productive financing (AktivaStart and AktivaFlow) products. BPR acts as institutional lender. Aligns with OJK's push for BPR-fintech collaboration, combining BPR's local market expertise with Aktivaku's digital platform technology.
• PT Repower Asia Indonesia, TbkcoreStrategic or Co-development Partner · 21 May 2021Collaboration for AktivaHome homeownership product targeting informal sector workers. PT Repower provides property supply (real estate in Jakarta area) while Aktivaku provides financing. Jointly designed to serve workers who lack payslips but have repayment capacity.
• MoneesaminorStrategic or Co-development Partner · 5 March 2020Moneesa (financial recording application) partnered with Aktivaku during the AktivaHome launch to help borrowers with financial planning and recording. Included in the Growth Your Money-sense Digitally event collaboration.
• KPR AcademyminorStrategic or Co-development Partner · 5 March 2020KPR Academy collaborated with Aktivaku for financial education content on KPR selection, interest rate understanding (floating vs fixed), and loan tenure decisions. Contributed educational content at the Growth Your Money-sense Digitally event.
• Arkana FinanceminorStrategic or Co-development Partner · 5 March 2020Arkana Finance (via CEO Genaziz Wikanta) collaborated with Aktivaku on the Investasi Milenial Menuju Rumah Impian workshop to educate millennials on homeownership financing and financial planning.
• Perkumpulan Wirausahawan Rumah Rakyat Nusantara (Perwiranusa)minorChannel Partner/ Reseller/ Distributor · 5 March 2020Perwiranusa serves as property supplier for AktivaHome, providing housing inventory for borrowers. Association of property entrepreneurs in the Nusantara/people's housing sector.
• Universitas Indonesia (Psychology Department)minorStrategic or Co-development Partner · 5 March 2020Psychologists from Universitas Indonesia were engaged during the AktivaHome launch to assess character and creditworthiness of informal sector borrowers as an alternative to traditional income documentation.
• PT Solusi Net Internusa (Digisign)coreTechnology or IntegrationDigisign is Aktivaku's electronic signature and digital certification partner, registered with the Indonesian Ministry of Communication and Informatics (Kominfo). Provides E-signature services for loan document signing, including identity verification, selfie with KTP, phone number, and email registration for electronic signature accounts.
• InviseeminorGTM or Marketing PartnerInvisee is a mutual fund (reksadana) platform integrated with Aktivaku's RDL, allowing Aktivers to allocate idle funds in their RDL wallet to mutual fund investments.
• Fintech Data Center (FDC)coreTechnology or IntegrationFDC is established by AFPI (Asosiasi Fintech Pendanaan Bersama Indonesia). Aktivaku, as an AFPI member, reports borrower credit data to FDC for credit information management and risk assessment purposes.

Scale indicators15 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pinjam Modal: Indonesian OJK-licensed P2P lending platform offering SME working capital financing. Comparable to Aktivaku in target segment (MSMEs needing working capital) and product positioning.
• Investree: OJK-licensed Indonesian P2P lending platform offering productive financing (invoice financing, working capital, SME loans). Highly comparable to Aktivaku in regulatory standing, product mix, and target SME segment, though at larger scale.
• Asetku: Indonesian asset-backed P2P lending platform specializing in financing secured by vehicles, property, and other physical collateral. Highly comparable to Aktivaku's collateral-backed lending model and product structure (AktivaSwitch, AktivaPlus).
• Funding Societies | Modalku: Indonesia's leading SME-focused P2P lending platform (operates as Modalku in Indonesia), offering invoice financing, working capital, and supply chain finance. Directly comparable business model and target segment to Aktivaku, including institutional channeling arrangements with banks.
• Amartha: Indonesian P2P lending platform focused on microfinance and unbanked segments, particularly women micro-entrepreneurs. Comparable to Aktivaku's mission of financial inclusion for underserved populations, with similar OJK-licensed P2P model.
• KoinWorks: One of Indonesia's largest OJK-licensed P2P lending platforms, focused on SME financing with diversified products (working capital, invoice financing, investment products). Directly comparable to Aktivaku as a multi-product Indonesian P2P lender serving similar MSME and individual segments.
• Danain: Indonesian OJK-licensed P2P lending platform offering productive financing to SMEs and individuals. Comparable to Aktivaku in business model, regulatory framework, and product offerings.
• Akseleran: Indonesian OJK-licensed P2P lending platform focused on SME productive financing. Comparable to Aktivaku in business model, regulatory standing, and target segment, though more concentrated in conventional SME lending.

Emerging players

• TaniFund: Indonesian OJK-licensed P2P platform focused on agricultural value chain financing for farmers and agri-SMEs. Comparable to Aktivaku's P2P model and MSME target, with a more specialized vertical focus on agriculture.

Broad incumbents

• Bank Mandiri: One of Indonesia's largest state-owned banks and an existing Aktivaku partner for the AktivaHome product. Comparable as an incumbent that competes for the same borrower pool (KPR, MSME financing) but with vastly greater scale, capital, and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@aktivaku5513
• LinkedInlinkedin.com/company/aktivakuinvestama
• Instagraminstagram.com/aktivaku
• Xx.com/aktivaku
• Facebookfacebook.com/aktivaku

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Aktivaku