Developer docs
API playgroundTry for free, no card

Search company profiles

PinjamDuit

Full company profile

uuid0053w3e

Namestring
PinjamDuit
Legal namestring
PT Stanford Teknologi Indonesia
Websiteurl
pinjamduit.co.id
Company typeenum
Private
Founded yearint
2021
Descriptiontext

PinjamDuit is an Indonesian peer-to-peer digital lending platform operated by PT Stanford Teknologi Indonesia and licensed by Otoritas Jasa Keuangan (OJK) as an LPBBTI provider since January 2021. The platform offers collateral-free multi-purpose loans (Pinjaman Multiguna Tanpa Agunan) ranging from Rp 100,000 to Rp 80,000,000, with tenors of 150 or 180 days and a maximum interest rate of 0.3% per day as mandated by OJK and AFPI. It serves two primary segments: individual borrowers seeking quick personal/emergency credit and micro, small, and medium enterprises (MSMEs) needing working capital or inventory financing. Distribution and onboarding are entirely digital via iOS and Android applications, with no physical loan-origination branches.

The technology stack centers on a mobile lending application backed by an e-KYC verification system, an automated credit scoring engine, and POJK No. 40/2024-compliant escrow and virtual account infrastructure. Information security is governed by an ISO/IEC 27001:2022-certified Information Security Management System, and the platform integrates PrivyID for electronic signatures, four major Indonesian banks (Mandiri, BRI, BNI, BCA) for virtual account disbursement and repayment, and SAP Indonesia for back-office operations. Marketing is conducted through a multi-channel digital presence spanning Instagram, TikTok, Facebook, YouTube, Twitter/X, LinkedIn, and blog content, with WhatsApp for direct customer service.

PinjamDuit monetizes through interest income on the loans it facilitates as an intermediary between lenders (fund providers) and borrowers. To date, the platform reports 20 million registered users, 2.7 million MSME users, Rp 21 trillion in cumulative loans disbursed since inception, and Rp 2.21 trillion in current-year disbursement. Loan-quality distribution is reported as 62% Lancar (performing), 12.74% Kurang Lancar, 11.66% Dalam Perhatian Khusus, 11.64% Diragukan, and 1.96% Macet. The company is privately held with no disclosed external investors, subsidiaries, or parent entity, and operates exclusively within Indonesia.

Short descriptiontext

PinjamDuit is an OJK-licensed Indonesian digital lending platform offering collateral-free loans from Rp 100,000 to Rp 80 million via mobile app to individual borrowers and MSMEs across Indonesia.

Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
1–10
akta.pro rankint
HeadquartersJakarta Pusat, Indonesia
HQ citystring
Jakarta Pusat
HQ countrystring
Indonesia
HQ regionstring
Asia
Markets served

Serves global market

Offices3 records

Each record includes

City, Country, Type, Description, Source

Keyword5 values
digital lending, peer-to-peer lending, consumer loans, MSME financing, unsecured lending
Industry1 code
1BNPL for High-Ticket / Longer-Term Installments
CodeFSAKACANPrimaryYes
NAICS code2 codes
  • Other Nondepository Credit Intermediation52229
  • Nondepository Credit Intermediation5222
SIC code1 code
  • Personal Credit Institutions6141
Product category
Consumer Lending
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Loan Interest Income
TypeTransaction Fee
Description

Revenue generated from interest charged on unsecured loans. Interest rates are capped at maximum 0.3% per day. The platform acts as an intermediary connecting lenders (fund providers) with borrowers, earning interest income from the lending transactions.

pinjamduit.co.id
Marketing channels9 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, Personnel, Marketing or Sales, Operations, Infrastructure
Pricing details1 tier
1Collateral-free loan with limit up to Rp 80 million
ModelUsage-basedBilling cadencePay-as-you-go
Notes

Loan amounts range from Rp 100,000 to Rp 80,000,000. Tenor options: 150 or 180 days. Maximum interest rate: 0.3% per day. Example calculation for Rp 1,000,000 at 0.3%/day for 150 days: total repayment Rp 1,450,000. Additional fees include electronic signature (TTE) and 11% PPN.

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

PinjamDuit is an OJK-licensed Indonesian peer-to-peer digital lending platform providing collateral-free multi-purpose unsecured loans (Pinjaman Multiguna Tanpa Agunan) ranging from Rp 100,000 to Rp 80,000,000 with tenors of 150-180 days and a maximum interest rate of 0.3% per day. The entire loan lifecycle — registration, e-KYC verification, credit scoring, application, and fund disbursement — is conducted through the mobile application, with disbursement to the borrower's bank account within one hour after verification.

Differentiator
Functional benefit
Problem solved
Quantifiable outcome1 of 3 values shown
  • Fund disbursement within 1 hour after verification
+2 more records
Product overview1 text field

PinjamDuit operates as a single unified mobile application platform providing digital lending services. The core product is the PinjamDuit Application, which offers collateral-free multi-purpose loans with loan limits from Rp 100,000 to Rp 80,000,000, tenors of 150-180 days, and maximum interest of 0.3% per day. The platform is operated by PT Stanford Teknologi Indonesia and is licensed by OJK. All lending services—from registration, e-KYC verification, credit scoring, loan application, to fund disbursement—are handled within the single application interface. Supplementary information services include the RIPLAY (Ringkasan Informasi Produk dan Layanan) portal and a blog content section, but these are informational components rather than distinct product modules.

Product and service1 record
1PinjamDuit Digital Lending Application — Collateral-Free Multi-Purpose Loan (Pinjaman Multiguna Tanpa Agunan)
CategoryDigital consumer lending / peer-to-peer lending (LPBBTI)
Description

A digital lending product offering collateral-free unsecured loans ranging from Rp 100,000 to Rp 80,000,000 with tenors of 150 or 180 days and a maximum interest rate of 0.3% per day. The mobile application supports the complete loan lifecycle — registration, e-KYC verification, credit assessment, loan application, and fund disbursement — for Indonesian individual borrowers and MSME owners.

Scale indicator6 records

Each record includes

Type, Value, Description, Source

Partnership9 partners
1Bank Mandiri
Strategic tierCoreTypeOthers
Description

Financial institution partner providing fund transfer services. Users can make loan repayments through Bank Mandiri virtual accounts.

2Bank BRI
Strategic tierCoreTypeOthers
Description

Financial institution partner providing fund transfer services. Supports virtual account transactions for loan repayments.

3Bank BNI
Strategic tierCoreTypeOthers
Description

Financial institution partner supporting virtual account payments for loan transactions.

4Bank BCA
Strategic tierCoreTypeOthers
Description

Financial institution partner providing virtual account infrastructure for loan repayment processing.

5PrivyID
Strategic tierCoreTypeTechnology or Integration
Description

Digital identity and electronic signature provider enabling secure e-KYC verification and electronic document signing for loan applications.

6SAP Indonesia
Strategic tierSupportingTypeTechnology or Integration
Description

Enterprise software provider supporting backend business operations and enterprise resource planning.

7PT Surya Citra Media Tbk (SCM)
Strategic tierSupportingTypeOthers
Description

Listed media company collaborating for marketing and promotional activities.

pinjamduit.co.id
8Duitku
Strategic tierSupportingTypeTechnology or Integration
Description

Financial technology integration partner for lending platform services.

9Instamoney
Strategic tierSupportingTypeTechnology or Integration
Description

Digital financial services technology partner for loan disbursement and fund transfer.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Market position
Competitive moat5 records

Each record includes

Type, Details

Key risks5 records

Each record includes

Headline, Details, Source

Key highlights5 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

Named customers5 records

Each record includes

Name, Industry, Type, Use case, Source, UUID

Segment2 records

Each record includes

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

Ideal customer profile2 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

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
Compliance3 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 →

PinjamDuit

Consumer Lendingpinjamduit.co.id

PinjamDuit is an OJK-licensed Indonesian digital lending platform offering collateral-free loans from Rp 100,000 to Rp 80 million via mobile app to individual borrowers and MSMEs across Indonesia.

What PinjamDuit does

PinjamDuit is an Indonesian peer-to-peer digital lending platform operated by PT Stanford Teknologi Indonesia and licensed by Otoritas Jasa Keuangan (OJK) as an LPBBTI provider since January 2021. The platform offers collateral-free multi-purpose loans (Pinjaman Multiguna Tanpa Agunan) ranging from Rp 100,000 to Rp 80,000,000, with tenors of 150 or 180 days and a maximum interest rate of 0.3% per day as mandated by OJK and AFPI. It serves two primary segments: individual borrowers seeking quick personal/emergency credit and micro, small, and medium enterprises (MSMEs) needing working capital or inventory financing. Distribution and onboarding are entirely digital via iOS and Android applications, with no physical loan-origination branches.

The technology stack centers on a mobile lending application backed by an e-KYC verification system, an automated credit scoring engine, and POJK No. 40/2024-compliant escrow and virtual account infrastructure. Information security is governed by an ISO/IEC 27001:2022-certified Information Security Management System, and the platform integrates PrivyID for electronic signatures, four major Indonesian banks (Mandiri, BRI, BNI, BCA) for virtual account disbursement and repayment, and SAP Indonesia for back-office operations. Marketing is conducted through a multi-channel digital presence spanning Instagram, TikTok, Facebook, YouTube, Twitter/X, LinkedIn, and blog content, with WhatsApp for direct customer service.

PinjamDuit monetizes through interest income on the loans it facilitates as an intermediary between lenders (fund providers) and borrowers. To date, the platform reports 20 million registered users, 2.7 million MSME users, Rp 21 trillion in cumulative loans disbursed since inception, and Rp 2.21 trillion in current-year disbursement. Loan-quality distribution is reported as 62% Lancar (performing), 12.74% Kurang Lancar, 11.66% Dalam Perhatian Khusus, 11.64% Diragukan, and 1.96% Macet. The company is privately held with no disclosed external investors, subsidiaries, or parent entity, and operates exclusively within Indonesia.

PinjamDuit firmographics

Firmographics
Name
PinjamDuit
Legal name
PT Stanford Teknologi Indonesia
Website
https://pinjamduit.co.id
Company type
Private
Founded year
2021
Operating status
Operating
Headcount range
1–10 employees
Short description
PinjamDuit is an OJK-licensed Indonesian digital lending platform offering collateral-free loans from Rp 100,000 to Rp 80 million via mobile app to individual borrowers and MSMEs across Indonesia.
Ownership category
akta.pro rank

PinjamDuit industry classification

Industry
Product category
Consumer Lending
NAICS
Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)
SIC
Personal Credit Institutions (6141)
akta.pro primary industry
BNPL for High-Ticket / Longer-Term Installments (FSAKACAN)

Keywords

  • Digital lending
  • Peer-to-peer lending
  • Consumer loans
  • MSME financing
  • Unsecured lending

Where PinjamDuit is headquartered

Location

Headquarters

HQ city
Jakarta Pusat
HQ country
Indonesia
HQ region
Asia

Offices3 records

Markets served

PinjamDuit business model

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

Revenue model

  1. Loan Interest Income: Revenue generated from interest charged on unsecured loans. Interest rates are capped at maximum 0.3% per day. The platform acts as an intermediary connecting lenders (fund providers) with borrowers, earning interest income from the lending transactions.

Pricing tiers

ModelBillingPrice
Usage-basedPay-as-you-goCollateral-free loan with limit up to Rp 80 million

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

PinjamDuit product offering

Product offering

Core offering

PinjamDuit is an OJK-licensed Indonesian peer-to-peer digital lending platform providing collateral-free multi-purpose unsecured loans (Pinjaman Multiguna Tanpa Agunan) ranging from Rp 100,000 to Rp 80,000,000 with tenors of 150-180 days and a maximum interest rate of 0.3% per day. The entire loan lifecycle — registration, e-KYC verification, credit scoring, application, and fund disbursement — is conducted through the mobile application, with disbursement to the borrower's bank account within one hour after verification.

Product overview

PinjamDuit operates as a single unified mobile application platform providing digital lending services. The core product is the PinjamDuit Application, which offers collateral-free multi-purpose loans with loan limits from Rp 100,000 to Rp 80,000,000, tenors of 150-180 days, and maximum interest of 0.3% per day. The platform is operated by PT Stanford Teknologi Indonesia and is licensed by OJK. All lending services—from registration, e-KYC verification, credit scoring, loan application, to fund disbursement—are handled within the single application interface. Supplementary information services include the RIPLAY (Ringkasan Informasi Produk dan Layanan) portal and a blog content section, but these are informational components rather than distinct product modules.

Differentiator

Problem solved

Functional benefit

Products and services

  • PinjamDuit Digital Lending Application — Collateral-Free Multi-Purpose Loan (Pinjaman Multiguna Tanpa Agunan) A digital lending product offering collateral-free unsecured loans ranging from Rp 100,000 to Rp 80,000,000 with tenors of 150 or 180 days and a maximum interest rate of 0.3% per day. The mobile application supports the complete loan lifecycle — registration, e-KYC verification, credit assessment, loan application, and fund disbursement — for Indonesian individual borrowers and MSME owners.

Quantifiable outcome

  • Fund disbursement within 1 hour after verification
  • +2 more outcomes

Companies that use PinjamDuit

Customer profile

Named customers5 records

Segments2 records

Ideal customer profiles2 records

PinjamDuit technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature4 records

PinjamDuit partnerships and signals

Strategic signal

Partnerships

Nine partnerships are on record, tiered core and supporting.

  • Bank MandiricoreOthersFinancial institution partner providing fund transfer services. Users can make loan repayments through Bank Mandiri virtual accounts.
  • Bank BRIcoreOthersFinancial institution partner providing fund transfer services. Supports virtual account transactions for loan repayments.
  • Bank BNIcoreOthersFinancial institution partner supporting virtual account payments for loan transactions.
  • Bank BCAcoreOthersFinancial institution partner providing virtual account infrastructure for loan repayment processing.
  • PrivyIDcoreTechnology or IntegrationDigital identity and electronic signature provider enabling secure e-KYC verification and electronic document signing for loan applications.
  • SAP IndonesiasupportingTechnology or IntegrationEnterprise software provider supporting backend business operations and enterprise resource planning.
  • PT Surya Citra Media Tbk (SCM)supportingOthersListed media company collaborating for marketing and promotional activities.
  • DuitkusupportingTechnology or IntegrationFinancial technology integration partner for lending platform services.
  • InstamoneysupportingTechnology or IntegrationDigital financial services technology partner for loan disbursement and fund transfer.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

PinjamDuit competitors and assessment

Company assessment

Market position

Competitive moat5 records

Key risks5 records

Key highlights5 records

Customer concentration

PinjamDuit social profiles

Digital presence

PinjamDuit compliance and trust

Trust signal

Compliance3 records

PinjamDuit financial estimates

Financial estimate

Revenue estimate

Valuation estimate

PinjamDuit leadership team

Management profile

Number of profiles

PinjamDuit funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

PinjamDuit 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 PinjamDuit

What does PinjamDuit do?

PinjamDuit is an OJK-licensed Indonesian peer-to-peer digital lending platform providing collateral-free multi-purpose unsecured loans (Pinjaman Multiguna Tanpa Agunan) ranging from Rp 100,000 to Rp 80,000,000 with tenors of 150-180 days and a maximum interest rate of 0.3% per day. The entire loan lifecycle — registration, e-KYC verification, credit scoring, application, and fund disbursement — is conducted through the mobile application, with disbursement to the borrower's bank account within one hour after verification.

Is PinjamDuit a public or private company?

PinjamDuit is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was PinjamDuit founded?

PinjamDuit was founded in 2021. It employs 1 to 10 people.

Where is PinjamDuit based?

PinjamDuit is headquartered in Jakarta Pusat, Indonesia, in the Asia region.

How does PinjamDuit make money?

One revenue line is on record: loan Interest Income.

Does PinjamDuit have an API?

No public API is recorded for PinjamDuit.

What industry is PinjamDuit in?

PinjamDuit's product category is Consumer Lending. Its primary akta.pro industry code is FSAKACAN, BNPL for High-Ticket / Longer-Term Installments. Its NAICS code is 52229 and its SIC code is 6141.

Unlock the full company data

50 free credits on sign-up, no credit card required.

Contact sales