pinjamin
- Company typePrivate
- Founded2014
- Headquarters—
- Headcount51–100
- GTM typeB2C
- OfferingServices
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 primary industry
- Credit Marketplaces, Aggregators & Loan Routing (FSADAFAJ)
Keywords
pinjamin business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Cash loans from Rp100,000 to Rp50,000,000 |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
pinjamin product offering
Product offeringCore 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 profileSegments2 records
Ideal customer profiles2 records
pinjamin technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
pinjamin partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- OJK (Otoritas Jasa Keuangan / Indonesia Financial Services Authority)corePinjamin 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)coreLAPS 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 assessmentDirect 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 presencepinjamin compliance and trust
Trust signalCompliance2 records
pinjamin financial estimates
Financial estimateRevenue estimate
Valuation estimate
pinjamin leadership team
Management profileNumber of profiles
pinjamin funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
pinjamin M&A and investment
M&A and investmentM&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.