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Diperbarui pada : 2021/7/16

Company Profile

PT Idana Solusi Sejahtera was established in 2018. For the first time, the Company operates and serves the community as an organizer of LPBBTI (Information Technology-Based Joint Funding Services) as subject to POJK 10/2022 concerning Information Technology-Based Joint Funding Services.

In its journey, the Company obtained licensed status in 2021, referring to the Decree of the Board of Commissioners of the Financial Services Authority (OJK) Number: KEP-29/D.05/2021 dated 21 April 2021.

As a provider that complies with POJK regulation 10/2022 concerning Information Technology-Based Joint Funding Services (LPBBTI), it will continue to meet the needs of the Indonesian people by providing information technology-based lending services. In providing its services, the Organizer brings together Fund Providers and Fund Recipients in lending and borrowing activities through an electronic system.

PT Idana Solusi Sejahtera is an active member of the Indonesian Joint Funding Fintech Association (AFPI) and has also obtained ISO/IEC 27001:2013 certification regarding Information Security Management Systems (Full Scope).

Our Mission

We are improving Financial Technology (Fintech) capabilities by making maximum efforts and still referring to the policies of the Financial Services Authority, socializing the meaning of Financial Technology (Fintech) and Peer-to-Peer Lending (P2P) to the wider Indonesian community.

Company Vision

Increase financial inclusion and help increase public consumption capacity. We will also continue to strive to meet the increasing needs of the Indonesian people.


  • 1. Information Technology-Based Co-Funding Services is a civil agreement between Lender with and Borrower, so all the risk which arise from that agreement is completely covered by each party.
  • 2. Credit Risk or Payment Default and all the losses from or related with the loan agreement fully covered by Lender. There is no institution or state authority is responsible for the payment default risk and the losses.
  • 3. The Operator with the consent of each User (Lender and/or Borrower) accesses, obtains, stores, manages and/or uses the User's personal data ('Utilization of Data') on or in objects, electronic devices (including smartphone or cellular phone), hardware or software, electronic documents, applications or electronic systems belonging to the User or controlled by the User, by informing the relevant User of the purpose, limitations and mechanisms for the Utilization of Data before obtaining the intended consent.
  • 4. Lenders who do not have knowledge and experience in lending and borrowing are recommended not use this service.
  • 5. Borrower must consider the loan interest rate and other costs according to their ability to repay the loan.
  • 6. Every fraud is record digitally in cyberspace and can be known by the wider public on social media.
  • 7. User must read and understand this information before making a decision to become a Lender or Borrower.
  • 8. The government, in this case the Financial Services Authority, is not responsible for any violation or non-compliance by User, whether Lender or Borrower (whether due to the User's intention or negligence) of the provisions of statutory regulations or agreements or engagements between the Operator and the Lender and/or Borrower.
  • 9. Every lending and borrowing transaction and activity or implementation of an agreement regarding lending and borrowing between or involving the Organizer, Lender and/or Borrower must be carried out through an escrow account and virtual account as required under Financial Services Authority Regulation 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI) and violation or non-compliance with these provisions is evidence that a legal violation has occurred by the Operator so that the Operator is obliged to bear the compensation suffered by each User as a direct result of the violation of the law mentioned above without reducing the rights Users who suffer losses according to the Civil Code.
  • 10. User/borrower data submitted via Cairin application will be reported as well to the Fintech Data Center (FDC) or Pusdafil.
  • 11. That the Lender is aware of and fully bears the risks of providing a loan;
  • 12. That the Borrower is aware of the risk of losing assets or wealth due to payment default;
  • 13. That the Borrower has known, considered and agreed to all applicable interest rates and fees in accordance with their ability to repay the loan;
  • 14. That the Lender are required to learn basic knowledge regarding (LPBBTI) before providing loans;
  • 15. That every fraud and illegal act is fully reported to the Financial Services Authority (OJK) and the wider public in accordance with applicable laws and regulations;
  • 16. That the credit records of Borrower will be reported periodically to the Financial Services Authority for the purposes of the Fintech Lending Data Center which will be used jointly with national banking industry players and other financial industries;
  • 17. That the Borrower has read and studied each term and condition.