What is an employee loan?

Employee loans are loans submitted and given from a company to its employees in accordance with applicable terms and conditions.

What is KoinGaji KoinWorks?

KoinGaji is a loan product from KoinWorks specifically for employees who want to disburse their salary early or need an emergency loan

What are the reasons why companies and employees choose KoinGaji?

Reasons to choose KoinGaji employee loan: Security Assurance where KoinWorks has been licensed and supervised by OJK ISO 27001 certification. The company’s cash flow is not interrupted. The submission process is easy and flexible in one application. Instant disbursement of funds & early salary disbursement up to 70%. Employee emergency fund loan up to 2 months Salaries can be paid in installments for up to 6 months.

What are the reasons why companies and employees choose KoinGaji?

Reasons to choose KoinGaji: Security Assurance which KoinWorks has been licensed and supervised by OJK ISO 27001 certification Registration in one application equipped with excellent features for MSMEs. Competitive and transparent interest rates. Funding amount up to 2 billion and long tenor up to 24 months.

How do I apply for a KoinInvoice invoice financing loan?

Follow these steps to apply for an employee loan or KoinGaji employee loan : Download the KoinWorks App here . Select KoinGaji menu. Select Loan Type. Fill in the Form Provided. Defrosting process. Refer Your Company.

KoinGaji

KoinWorks exists as a Super Financial App, a solution for all personal and business financial needs. We want to make all your financial dreams come true with just one dashboard. PT Sejahtera Lunaria Annua (“PT SLA”) in collaboration with PT Lunaria Annua Teknologi as an affiliate for the organizer of KoinWorks – Super Financial App. KoinWorks also has Electronic System Operator Registration Certificate (“PSE”) No. 000716 / DJAI.PSE /05/2021 and has been registered as a member of the Indonesian Fintech Association (“AFTECH”), with member registration number 0322 / REG / AFT / SU.

As a Super Financial App, KoinWorks provides interfacing services to connect parties who want to carry out financial activities, whether in information technology-based lending services or other financial products. KoinWorks does not provide any suggestions or funding recommendations regarding the choices on this platform.

1. Definition
Unless the context dictates otherwise, terms in this Legal Disclaimer will have the following meanings:
a. KoinWorks or the Company or We are PT Sejahtera Lunaria Annua, a company that provides a market for financial products for users.
b. Services are Platform provision services provided by the Company on the Platform to unite Users.
c. User is every person who visits, accesses and/or uses the Platform.
d. Third Parties are other parties, including but not limited to information technology-based lending and borrowing service providers, gold trading companies, other companies that have collaborated with KoinWorks, or other Financial Services companies that have been registered or have business licenses at the Financial Services Authority that provide services on the Platform.
e. The platform is a mobile application owned by the Company.
f. Personal Data is data and/or certain individual information that is stored, maintained, and kept, and kept confidential.

2. User Personal Data Storage
In connection with the activities carried out on the Platform, the User hereby acknowledges and agrees that the User’s Personal Data will be stored by the Company. Storage of User Personal Data refers to Article 15 of the Regulation of the Minister of Communication and Information Technology Number 20 of 2016 concerning Protection of Personal Data in Electronic Systems and Government Regulation Number 71 of 2019 concerning Implementation of Electronic Systems and Transactions.

In addition to storing, the Company may process, analyze, transmit, delete, and/or destroy User’s Personal Data in accordance with applicable regulations, which are limited only to Third Parties and for purposes of the Company’s analysis of User and/or User transactions on various features on the Platform. Other than as mentioned in this Term and Condition and the Privacy Policy, the Company will not provide information about Users to other parties without the prior consent of the User.

3. Company Services for Users
The Company has followed the licensing mechanism and applicable laws and regulations in providing services and is under OJK supervision. Users are entitled to the following services on the Platform:
a. View and access all financial products on the Platform.
b. Change and update your information as a user.

Users are hereby deemed to understand and know all the risks posed by each financial product used. Therefore, the User states that he is responsible for all decisions and risks taken regarding using the Service.

4. Privacy Policy
Your privacy and protection of the personal data you submitted to us are very important to us. Because we collect and/or store certain types of information from and about you, we need to explain our policies and the terms and conditions surrounding the data collection and use of that information. We respect the protection of user privacy. The User understands that the User can only access some features on the Platform if the User provides and allows some information and/or data to the Company through the Platform. The User understands that the User has allowed the Company to collect information about the User, including but not limited to the User’s IP address and hardware since the User visits and accesses the Platform.

5. Platform Services and Security
The company always gives full attention and effort to provide the best security and services to Users through the Platform. The platform has ISO 27001: 2022 Certificate – Information Security Management as a Financial Aggregator. However, in the event of problems on the Platform beyond the Company’s control, including but not limited to cybercrime, problematic servers, malware, etc., you as the User agree to release and release the Company to be responsible for these things.

6. Changes to General Term and Condition
The Company reserves the right to change the General Terms and Conditions at its sole discretion from time to time. Any changes to this General Term and Condition will take effect immediately after the Company has posted them on the Platform. The Company will include the date of the last amendment to the General Terms and Conditions on the front page of the Platform. You understand and agree that when you continue to use the Platform or Service after changes to this General Term and Condition have been made, you are subject to and bound by the new Terms and Conditions.

Loans for employee needs without disrupting company cash

What is KoinGaji?

Advantages of KoinGaji for Companies?

The company's cash flow is not interrupted

Easy and flexible application process for employees

Instant disbursement of funds, suitable for emergency funds

Disburse Salary Early Up to 70%

Borrow an emergency fund up to 2 months salary

Partners Who Have Trusted Us

How KoinGaji Works for Business

Companies Cooperating

Fill The Form

Disbursement of Funds

How KoinGaji Works for Personal

Low Cost for KoinGaji Service

Register Your Company Now and KoinGaji Will Be Your Best Partner

Frequently Asked Question

What is an employee loan?

What is KoinGaji KoinWorks?

What are the reasons why companies and employees choose KoinGaji?

What are the reasons why companies and employees choose KoinGaji?

How do I apply for a KoinInvoice invoice financing loan?

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