Reasons To Invest with KoinWorks

18% Effective Rate p.a

Multiply your profits with the right investment. Maximize your returns as you go with KoinWorks, starting from 18% EAR!

Provision Fund

We are allocating some of our revenues to protect our investors' funds which have been distributed through our platform.

From 100,000

Starting from IDR 100,000 you can start investing with P2P Lending investment scheme with high EAR, starting from 18% p.a. Online investment with high returns.

Why KoinWorks

Give outstanding values to both borrowers and investors.

We reduce the costs and inefficiencies to speed up the process. It is now far more effective than traditional financial institutions. Creditworthy Borrowers looking for online loan are connected with Investors looking for better returns.

Hence, borrowers pay less and lenders earn more. They both will be financially benefited.

KoinWorks Product

Your investment helps us build a better Indonesia. KoinWorks provides a range of loan products consisting of business loan, education loan, and health loan.
Click here to see the complete list of available products.


Interest Rate

15-19% 19-24% 24-29% 29-34% 34-38%

Provision Fund Coverage

100% 80% 60% 40% 20%
Lower Interest Payments Higher Interest Payments
Higher Provision Fund Coverage Lower Provision Fund Coverage
Lower Expected Returns Higher Expected Returns
Lower Expected Volatility Higher Expected Volatility
Fee 1% from every borrower repayment

Start Investing
With a Few Simple Steps

Sign Up

Create an investor account and verify your given information in less than 5 minutes.

Choose Loans

Browse the available loans and submit the amount you want to invest on each loan.


We will assign you a unique virtual account for your deposit. You can do this before browsing the available loans as well.


Connect with us using your social media accounts to enhance investing experience.

The Features

Safe Investment

We use high standards in assessing every loan using Big Data and machine learning algorithm. Only qualified borrowers are approved, thus, you’ll have safe investment with us.

Customizable Portfolio

Sort the loans by interest rate, loan purposes, etc then start investing. Customize your portfolio by investing in various types of loans.

Reputable Partners

We are working with reputable partners to ensure the best loan underwriting, thus, we can provide better experience to our precious users.

Your investment will help
the fulfillment of financial democratization in Indonesia and increase the financial inclusion.

Need Help? Call (021)-29323996
Mon to Fri 09:00-18.00 (GMT +7)

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