Kospin Sumber Rizki Utama

What Kospin Sumber Rizki Utama does

Kospin Sumber Rizki Utama is an Indonesian savings and loan cooperative (koperasi simpan pinjam) headquartered in Tangerang and founded in 2012. The firm provides savings and loan services to its members, with a stated product set spanning multipurpose financing, vehicle financing, and certificate-based financing. Operationally it is a small private cooperative with 11-50 employees, consistent with a community-scale member-owned financial institution rather than a regulated bank or large fintech lender.

The business model follows the standard Indonesian cooperative finance mechanics: members deposit savings with the entity, which then on-lends those funds as multipurpose, vehicle, and certificate-backed loans, earning a spread between deposit remuneration and loan interest. Revenue is therefore driven primarily by net interest margin on the loan book, supplemented by any fees on member services. Distribution is implicitly local and member-driven, with no evidence of digital channels, branch networks, or partnerships disclosed in the available source material.

The available primary source — the company's own website at sumberrizki.com — renders only a CAPTCHA/verification/loading page and provides no further detail on product terms, interest rates, member counts, financial performance, technology stack, leadership, or ownership. As a result, the analytical picture is limited to the firmographic and product-category facts above; any assessment of scale, trajectory, or strategic positioning carries low confidence.

Name

Kospin Sumber Rizki Utama

Website

https://sumberrizki.com

Company type

Private

Founded year

2012

Headcount range

11–50 employees

Short description

Kospin Sumber Rizki Utama is a private Indonesian savings and loan cooperative (koperasi simpan pinjam) founded in 2012 and based in Tangerang, offering multipurpose, vehicle, and certificate-based financing to local members.

Ownership category

akta.pro rank

Headquarters

HQ city

Tangerang

HQ country

Indonesia

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Supply Chain, Infrastructure

Core offering

Kospin Sumber Rizki Utama is an Indonesian savings and loan cooperative (koperasi simpan pinjam) that provides member-based financial services, including multipurpose loans, vehicle financing, and certificate-based financing. The cooperative operates in Tangerang, Indonesia, offering basic financial intermediation to its individual members through deposit-taking and lending activities.

Differentiator

Problem solved

Functional benefit

Products and services

• Multipurpose Financing

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Direct peers

• Funding Societies: Southeast Asian P2P lending platform operating in Indonesia (formerly Modalku). Provides comparable loan intermediation services to Indonesian SMEs and consumers.
• KoinWorks: Indonesian P2P lending marketplace providing business and consumer loans. Comparable to Kospin's loan origination function targeting Indonesian borrowers.
• Amartha: Indonesian microfinance peer-to-peer lending platform connecting lenders with micro and small borrowers. Functionally comparable to Kospin in originating credit products for underserved Indonesian borrowers.
• Danacita: Indonesian education financing platform offering installment-based tuition loans. Comparable in providing specialized consumer credit products to Indonesian borrowers.
• Kredivo: Indonesian consumer credit fintech offering point-of-sale and online credit. Comparable in providing consumer lending products to Indonesian borrowers.
• Investree: Indonesian P2P lending platform focused on SME financing. Comparable in originating loan products for underserved Indonesian borrowers and SMEs.
• Akseleran: Indonesian P2P lending platform for SMEs. Comparable loan origination and intermediation function serving Indonesian borrowers.

Broad incumbents

• Bank Rakyat Indonesia (BRI): Indonesia's largest bank with an extensive microfinance segment (Unit Desa) serving rural and small borrowers. Operates in an adjacent credit intermediation space with vastly broader scale and reach.
• Pegadaian: Indonesian state-owned pawnshop and credit services company. Overlaps with Kospin in providing consumer credit products but operates at much larger scale with a broader portfolio.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

• Facebookfacebook.com/kspsumberrizki
• LinkedInlinkedin.com/company/kospin-sumber-rizki-utama

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 Kospin Sumber Rizki Utama