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

Idana is committed to improving the quality of Good Corporate Governance (GCG) implementation. Therefore, this Whistleblowing System was formed in order to prevent and perform early detection of violations that may occur in the corporate environment. The Whistleblowing System also aims to fulfill the Company’s values ​​in realizing corporate values.

What violations must be reported?

Misuse of Company and Borrower & Lender Information. Withholding, abusing, embezzling or fleeing funds. Abuse of Authority and Position. Signature forgery. Falsify or alter company documents. Misuse of company assets.

Provide inappropriate, incorrect or misleading statements to Borrowers & Lenders regarding the products being offered/marketed

Providing material factual information that is not true. Engineering / manipulating performance reports. Hiding and/or not conveying material facts. Conflict of Interest. Corruption in the form of receiving, giving bribes, embezzlement, and collusion. Other ethical violations that harm the company. Other acts that violate generally accepted norms and ethics.   

Confidentiality Guarantee and Reporter Protection

Submission of the Whistleblower’s Identity is optional and not mandatory, solely for the purpose of in-depth report communication (if needed). IDANA guarantees that it will provide protection to the Complainant from all forms of threats, intimidation, punishment or unpleasant actions from any party. Complaints that can be processed by the Whistleblowing system are Complaints that have the following elements:

Has elements of violations committed by individuals, both known and unknown, working for IDANA Having adequate supporting data as our basis in following up on the reports provided. The reporter is willing if he has to be contacted by the WBS team to obtain the information needed in the investigation of the report. Reporters who are aware of any medication that indicates violations within the company can report these actions through the Whistleblowing system in the following ways:

Offline submission

If submission is made in the form of hardcopy, delivery can be made by sending the document to the following address:

Blok E52, E53 dan E55 Permata Senayan, Rukan, Jl. Tentara Pelajar, RT.1/RW.7, Grogol Utara, Kec. Kby. Lama, Kota Jakarta Selatan Daerah Khusus Ibukota Jakarta 12210

Submission via email (Online)

If submission is made in the form of electronic mail/e-mail (softcopy), submission can be made by sending the document to the following email address: according to IDANA’s email


  • 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.