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pinjamin

Full company profile

uuid02mkk1x

Namestring
pinjamin
Legal namestring
PT Progo Puncak Group
Websiteurl
pinjamin.com
Company typeenum
Private
Founded yearint
2014
Operating statusenum
Operating
Ownership categoryenum
Headcount rangeband
51–100
akta.pro rankint
Markets served

Serves global market

Keyword5 values
peer-to-peer lending, consumer cash loans, digital lending platform, online microfinance, short-term personal loans
Industry1 code
PRIMARYFSADAFAJ
Credit Marketplaces, Aggregators & Loan Routing
Financial & Insurance/Crypto & Digital Assets/Crypto Lending, Borrowing & Credit Markets
NAICS code2 codes
  • Other Nondepository Credit Intermediation52229
  • Credit Intermediation and Related Activities522
SIC code2 codes
  • Personal Credit Institutions6141
  • Loan Brokers6163
Product category
Consumer Lending
GTM motion1 record

Each record includes

Type, Description, Source

Revenue model1 record
1Interest Income from Loans
TypeTransaction Fee
Description

Pinjamin generates revenue through interest charged on cash loans extended to borrowers. As a peer-to-peer lending platform, the company matches lenders (Pemberi Dana) with borrowers (Penerima Dana), charging competitive interest rates compared to traditional banks and financial institutions. The platform offers borrowers competitive interest rates while providing lenders with favorable returns.

pinjamin.com
Marketing channels6 records

Each record includes

Title, Type, Stage, Description, Source

Distribution channels3 records

Each record includes

Title, Type, Scope, Target buyer, Description, Source

Cost components4 values
Technology or R&D, Personnel, Marketing or Sales, Operations
Pricing details1 tier
1Cash loans from Rp100,000 to Rp50,000,000
ModelTransaction based/ take rateBilling cadencePay-as-you-go
Notes

Loan principal amounts range from Rp100,000 to Rp50,000,000. Tenor: 15 days or 1 month per period. Interest rates are competitive but not publicly disclosed. Final loan amount and terms are determined by credit assessment and displayed in the app.

pinjamin.com
GTM typeB2C
B2C
Offering typeServices
Services
Core offering1 text field

Pinjamin operates a fully digital, OJK-licensed peer-to-peer lending platform that matches individual lenders (Pemberi Dana) with individual borrowers (Penerima Dana) in Indonesia. Borrowers access cash loans ranging from Rp100,000 to Rp50,000,000 with 15-day or 1-month tenors entirely through the Pinjamin mobile application, with disbursement to a registered bank account.

Differentiator
Functional benefit
Problem solved
Product overview1 text field

Pinjamin is a single-product digital lending platform (Layanan Pendanaan Bersama Berbasis Teknologi Informasi) operated by PT Progo Puncak Group, formerly known as Pinjam WinWin. The core offering is the Pinjamin App — a fully online cash loan product providing Rp100,000 to Rp50,000,000 with 15-day or 1-month tenors. The platform also includes a RIPLAY (product information summary) to support transparency disclosures and multi-channel customer support. All services are accessible exclusively through the mobile application (iOS/Android), with loan disbursement via integrated bank channels.

Product and service1 record
1Pinjamin Cash Loan (Pinjaman Dana Tunai)
CategoryPeer-to-peer consumer lending
Scale indicator1 record

Each record includes

Type, Value, Description, Source

Partnership2 partners
1OJK (Otoritas Jasa Keuangan / Indonesia Financial Services Authority)
Strategic tierCoreTypeOthersAnnounced on2020-01-01
Description

Pinjamin is officially licensed and supervised by Indonesia's Financial Services Authority (OJK) under license number KEP-17/D.05/2020. As a regulated entity, Pinjamin operates under OJK oversight as a Layanan Pendanaan Bersama Berbasis Teknologi Informasi (Information Technology-Based Joint Funding Service), providing legitimacy and consumer protection.

2LAPS SJK (Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan)
Strategic tierCoreTypeOthers
Description

LAPS SJK is an alternative dispute resolution institution for Indonesia's financial services sector, authorized under POJK 61/2020. Pinjamin is integrated with LAPS SJK to provide customers with accessible, fast, and affordable out-of-court dispute resolution for financial service complaints.

Recent move6 records

Each record includes

Date, Type, Title, Description, Source

Expansion highlight4 records

Each record includes

Type, Description

Peers10 records
1KoinWorks
TypeDirect peer
Description

One of Indonesia's largest OJK-licensed P2P lending platforms, offering consumer and SME loans with multi-month tenors. Directly comparable to Pinjamin as a licensed peer-to-peer lender serving individual borrowers in Indonesia through a digital onboarding flow.

2Modalku (Funding Societies)
TypeDirect peer
Description

OJK-licensed Indonesian P2P lending arm of Funding Societies, focused on SME and consumer credit. Comparable to Pinjamin as a regulated marketplace matching lenders with Indonesian borrowers through a fully digital interface.

3Akulaku
TypeDirect peer
Description

Indonesia/SEA digital consumer finance and BNPL platform offering cash loans and installment credit. Comparable to Pinjamin in serving underbanked Indonesian consumers with short-tenor, app-based credit products.

4Julo
TypeDirect peer
Description

OJK-licensed Indonesian digital lending platform providing cash loans and paylater products to consumers. Directly comparable to Pinjamin in product offering, regulatory standing, and target borrower segment.

5Kredit Pintar
TypeDirect peer
Description

OJK-registered Indonesian online lending app offering small-ticket, short-tenor cash loans. Directly comparable to Pinjamin in loan size range, tenors, and product-led mobile onboarding.

6DanaRupiah
TypeDirect peer
Description

OJK-licensed Indonesian P2P lending platform providing short-term cash loans to individual borrowers via mobile app. Closely comparable to Pinjamin in business model, regulatory status, and customer segment.

7Tunaiku
TypeDirect peer
Description

Digital lending product of Bank Amar Indonesia offering unsecured cash loans to consumers via mobile app. Comparable to Pinjamin as a digital-first Indonesian consumer lender, though backed by a chartered bank.

8Investree
TypeDirect peer
Description

Earlier OJK-licensed Indonesian P2P lending platform focused on SME and consumer lending. Comparable to Pinjamin as a regulated Indonesian peer-to-peer lender operating under the same LPBBTI framework.

9AwanTunai
TypeDirect peer
Description

OJK-licensed Indonesian P2P lending platform serving micro, small, and consumer borrowers. Comparable to Pinjamin as a regulated marketplace lender with a similar digital onboarding flow in Indonesia.

10Atome
TypeEmerging player
Description

SEA-headquartered BNPL and digital credit provider with Indonesian operations offering app-based consumer financing. Adjacent peer to Pinjamin — overlaps in target borrower segment and digital credit distribution but differs in business model (BNPL-led rather than direct cash loans).

Market position
Strengths4 records

Each record includes

Headline, Details, Source

Weaknesses4 records

Each record includes

Headline, Details, Source

Competitive moat2 records

Each record includes

Type, Details

Key risks6 records

Each record includes

Headline, Details, Source

Key highlights5 records

Each record includes

Headline, Details, Source

Customer concentration

Classification, Details

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

Feature3 records

Each record includes

Title, Differentiator, Description, Source

Core technology
Revenue estimate
Valuation estimate
Number of profiles
No data
Compliance2 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 →

pinjamin

Consumer Lendingpinjamin.com

pinjamin firmographics

Firmographics
Name
pinjamin
Legal name
PT Progo Puncak Group
Website
https://pinjamin.com
Company type
Private
Founded year
2014
Operating status
Operating
Headcount range
51–100 employees
Ownership category
akta.pro rank

pinjamin industry classification

Industry
Product category
Consumer Lending
NAICS
Other Nondepository Credit Intermediation (52229), Credit Intermediation and Related Activities (522)
SIC
Personal Credit Institutions (6141), Loan Brokers (6163)
akta.pro industry
PRIMARYFSADAFAJ
Credit Marketplaces, Aggregators & Loan Routing
Financial & Insurance/Crypto & Digital Assets/Crypto Lending, Borrowing & Credit Markets

Keywords

  • Peer-to-peer lending
  • Consumer cash loans
  • Digital lending platform
  • Online microfinance
  • Short-term personal loans

pinjamin business model

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

Revenue model

  1. Interest Income from Loans: Pinjamin generates revenue through interest charged on cash loans extended to borrowers. As a peer-to-peer lending platform, the company matches lenders (Pemberi Dana) with borrowers (Penerima Dana), charging competitive interest rates compared to traditional banks and financial institutions. The platform offers borrowers competitive interest rates while providing lenders with favorable returns.

Pricing tiers

ModelBillingPrice
Transaction based/ take ratePay-as-you-goCash loans from Rp100,000 to Rp50,000,000

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

pinjamin product offering

Product offering

Core offering

Pinjamin operates a fully digital, OJK-licensed peer-to-peer lending platform that matches individual lenders (Pemberi Dana) with individual borrowers (Penerima Dana) in Indonesia. Borrowers access cash loans ranging from Rp100,000 to Rp50,000,000 with 15-day or 1-month tenors entirely through the Pinjamin mobile application, with disbursement to a registered bank account.

Product overview

Pinjamin is a single-product digital lending platform (Layanan Pendanaan Bersama Berbasis Teknologi Informasi) operated by PT Progo Puncak Group, formerly known as Pinjam WinWin. The core offering is the Pinjamin App — a fully online cash loan product providing Rp100,000 to Rp50,000,000 with 15-day or 1-month tenors. The platform also includes a RIPLAY (product information summary) to support transparency disclosures and multi-channel customer support. All services are accessible exclusively through the mobile application (iOS/Android), with loan disbursement via integrated bank channels.

Differentiator

Problem solved

Functional benefit

Products and services

  • Pinjamin Cash Loan (Pinjaman Dana Tunai)

Companies that use pinjamin

Customer profile

Segments2 records

Ideal customer profiles2 records

pinjamin technology and API

Technology

Technology focussed Yes

API detail

Has API
No
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

pinjamin partnerships and signals

Strategic signal

Partnerships

Two partnerships are on record, tiered core.

  • OJK (Otoritas Jasa Keuangan / Indonesia Financial Services Authority)coreOthers · 1 January 2020Pinjamin is officially licensed and supervised by Indonesia's Financial Services Authority (OJK) under license number KEP-17/D.05/2020. As a regulated entity, Pinjamin operates under OJK oversight as a Layanan Pendanaan Bersama Berbasis Teknologi Informasi (Information Technology-Based Joint Funding Service), providing legitimacy and consumer protection.
  • LAPS SJK (Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan)coreOthersLAPS SJK is an alternative dispute resolution institution for Indonesia's financial services sector, authorized under POJK 61/2020. Pinjamin is integrated with LAPS SJK to provide customers with accessible, fast, and affordable out-of-court dispute resolution for financial service complaints.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

pinjamin competitors and assessment

Company assessment

Direct peers

  • KoinWorks: One of Indonesia's largest OJK-licensed P2P lending platforms, offering consumer and SME loans with multi-month tenors. Directly comparable to Pinjamin as a licensed peer-to-peer lender serving individual borrowers in Indonesia through a digital onboarding flow.
  • Modalku (Funding Societies): OJK-licensed Indonesian P2P lending arm of Funding Societies, focused on SME and consumer credit. Comparable to Pinjamin as a regulated marketplace matching lenders with Indonesian borrowers through a fully digital interface.
  • Akulaku: Indonesia/SEA digital consumer finance and BNPL platform offering cash loans and installment credit. Comparable to Pinjamin in serving underbanked Indonesian consumers with short-tenor, app-based credit products.
  • Julo: OJK-licensed Indonesian digital lending platform providing cash loans and paylater products to consumers. Directly comparable to Pinjamin in product offering, regulatory standing, and target borrower segment.
  • Kredit Pintar: OJK-registered Indonesian online lending app offering small-ticket, short-tenor cash loans. Directly comparable to Pinjamin in loan size range, tenors, and product-led mobile onboarding.
  • DanaRupiah: OJK-licensed Indonesian P2P lending platform providing short-term cash loans to individual borrowers via mobile app. Closely comparable to Pinjamin in business model, regulatory status, and customer segment.
  • Tunaiku: Digital lending product of Bank Amar Indonesia offering unsecured cash loans to consumers via mobile app. Comparable to Pinjamin as a digital-first Indonesian consumer lender, though backed by a chartered bank.
  • Investree: Earlier OJK-licensed Indonesian P2P lending platform focused on SME and consumer lending. Comparable to Pinjamin as a regulated Indonesian peer-to-peer lender operating under the same LPBBTI framework.
  • AwanTunai: OJK-licensed Indonesian P2P lending platform serving micro, small, and consumer borrowers. Comparable to Pinjamin as a regulated marketplace lender with a similar digital onboarding flow in Indonesia.

Emerging players

  • Atome: SEA-headquartered BNPL and digital credit provider with Indonesian operations offering app-based consumer financing. Adjacent peer to Pinjamin — overlaps in target borrower segment and digital credit distribution but differs in business model (BNPL-led rather than direct cash loans).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights5 records

Customer concentration

pinjamin social profiles

Digital presence

pinjamin compliance and trust

Trust signal

Compliance2 records

pinjamin financial estimates

Financial estimate

Revenue estimate

Valuation estimate

pinjamin leadership team

Management profile

Number of profiles

pinjamin funding detail

Funding detail

Funding overview

Funding rounds

Investors

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

pinjamin 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 pinjamin

What does pinjamin do?

Pinjamin operates a fully digital, OJK-licensed peer-to-peer lending platform that matches individual lenders (Pemberi Dana) with individual borrowers (Penerima Dana) in Indonesia. Borrowers access cash loans ranging from Rp100,000 to Rp50,000,000 with 15-day or 1-month tenors entirely through the Pinjamin mobile application, with disbursement to a registered bank account.

Is pinjamin a public or private company?

pinjamin is a private company. It is classified as unknown and is currently operating.

When was pinjamin founded?

pinjamin was founded in 2014. It employs 51 to 100 people.

How does pinjamin make money?

One revenue line is on record: interest Income from Loans.

Who are pinjamin's main competitors?

Direct peers on record are KoinWorks, Modalku (Funding Societies), Akulaku, Julo, Kredit Pintar, DanaRupiah, Tunaiku, Investree and AwanTunai. Atome is listed as an emerging player.

Does pinjamin have an API?

No public API is recorded for pinjamin.

What industry is pinjamin in?

pinjamin's product category is Consumer Lending. Its primary akta.pro industry code is FSADAFAJ, Credit Marketplaces, Aggregators & Loan Routing. Its NAICS code is 52229 and its SIC code is 6141.

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