TKB0: TKB30: TKB60: TKB90:
Diperbarui pada : 2021/7/16

Information Disclosure and Compliance

Accumulated Funding since Founded
Accumulated Funding Throughout the Year
Total of Active Borrowers
Outstanding Total of Funding
Accumulated Total of Lenders
(Individual and Institution)
Accumulated Total of Borrowers
Total of Active Lenders
(Individual and Institution)

*Updated on: 2021/7/16

Directors and Commissioner

Syam Agus Chandra

President Commissioner

Has more than 30 years of experience in banking, other financial services institutions and the financial technology industry

Held strategic positions in Risk Management, Anti-Fraud, Credit Risk Investigation, AML CFT & Corporate Security in several companies such as American Express Bank Ltd, GE Finance Indonesia and Bank Danamon Indonesia.

Bachelor Degree in Banking Economic Perbanas Institute Jakarta

CFE (Certified Fraud Examiner) Singapore.

Wong Dang Sing


Has more than 20 years of experience in the financial sector such as insurance, peer to peer lending platform, public accounting.

Experienced as CFO in health companies, and educational properties.

Malaysian citizen and membership holder with the Malaysia Institute of Accountants (MIA), Association of Chartered Certified Accountants, United Kingdom (ACCA, BR) and Hong Kong Institute of Certified Public Accountants (HKICPA).

Shareholder Information

  1. Aifin Pte Ltd was incorporated in Singapore with principal activity engaging in business investment and other financial support services. It is backed by a China-base leading internet finance company providing financial solutions to under-banked customers and diversified services including wealth management, PE/VC investment, unsecured personal loans, auto and home equity loans.
  2. PT Persada Ciptanusa, a wholly-owned subsidiary of PT Indonusa Dwitama ('Indonusa'), Indonusa was founded in 2003 by Victor Fungkong as an investment holding company investing in a variety of assets portfolio ranging from exploration and exploitation of mining goods, information technology and trading in Indonesia. One of the notable investments of Indonusa includes being the founding member of Tokopedia in 2009, Indonesia’s first e- Commerce platform

Event, Socialization and Activity Calendar

Socialization Plan Throughout This Year
No City Month Notes
1 Bandung September 2019 With Empatkali
2 Semarang October 2019 With Fintekmedia - Universitas Diponegoro
3 Jogja October 2019 With Empatkali - Koping Creative Space
4 Jakarta December 2019 With Big Indonesia - Kinanti Building Epicentrum
5 Malang January 2020 With Empatkali - Sonja CoWorking
6 Surabaya February 2020 With Empatkali - DILO Surabaya
7 Bali February 2020 With Empatkali - DILO Surabaya
8 Malang September 2020 With Equila Corp
9 Jember May 2021 With DIA EO - Universitas Jember
10 Jakarta October 2020 With OJK - BIK Online Expo
11 Jakarta October 2021 With OJK - BIK Online Expo
12 Malang November 2021 With AFPI - Grand Mercure Malang
Outside Java
No City Month Notes
1 Manado April 2019 AFPI Goes to Campus
2 Makassar December 2019 AFPI Goes to Campus
3 Riau January 2020 AFPI Goes to Campus
4 Surabaya February 2020 Seminar Fintech - Empatkali
5 Kupang February 2020 AFPI Goes to Campus
6 Bengkulu February 2020 AFPI Goes to Campus
7 Semarang September 2020 AFPI Goes to Campus
8 Samarinda September 2021 AFPI Goes to Campus
9 Jakarta October 2020 BIK EXPO
10 Sumatera Utara March 2021 AFPI Goes to Campus
11 Bengkulu April 2021 AFPI Goes to Campus
12 Malang November 2021 AFPI Goes to Campus
13 Palembang 24 - 25 Mei 2022 AFPI Goes to Campus
14 Pontianak - Tanjung pura 28 August 2022 AFPI Goes to Campus, Seminar sosialisasi Fintech
15 Banjarmasin 1 December 2022 AFPI Goes to Campus : Paham inovasi Kekinian di Era 4.0
16 Jepara 12 April 2023 AFPI Goes to Campus : Bijak memahami hak & Kewajiban konsumen FIntech Pendanaan Bersama

User Complaints Mechanism and Service

  1. Users can submit comments / complaints via email to or via phone call at 021-24163377
  2. All complaints will be processed at the earliest 3x24 hours.
  3. If in the process of handling, we need users to attach additional information, then the handling period will be extended.
  4. If the complaint does not meet the requirements for filing a complaint, the complaint may be rejected and the user has to file the complaint again.
  5. All reports of complaints received will be reported to the Financial Services Authority (OJK) every month along with company performance reports.

Statement Of Financial Position

As at 31 December 2022

(in Rupiah)

Current Assets
Non-current Assets
Current Liabilities
Non-current Liabilities

Statement of Comprehensive Income

For The Year Ended on 31 December 2022

Operating Costs
Comprehensive Profit

Audit 2022 Opinion:

In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of PT Idana Solusi Sejahtera as of December 31, 2022, as well as its financial performance and cash flows for the year then ended, per Indonesian Financial Accounting Standards.

*This report is presented based on KAP KANAKA PURADIREDJA, SUHARTONO Final Report


  • 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.