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KoinWorks - Financial Application Registered with OJK

The first online super financial application in Indonesia that provides various types of financial solutions (loans and asset enhancement through funding).

Registered at the Financial Services Authority (OJK) with registration number: S.87/MS.72/2020, on February 10, 2020. KoinWorks also has ISO 27001 certification in the field of financial aggregator services.

First, we have KoinP2P!

A Peer to Peer Lending platform where you can start funding and making a big impact with just Rp100,000.
Earn interest or yield up to 18% in one year.
KoinP2P is registered and supervised by the Indonesian Financial Services Authority (OJK) with Registration Number: S-1862 / NB.111 / 2017.

Get fixed returns with KoinRobo!

Now, you can start funding automatically with our 'machine learning' and enjoy predictable returns according to the tenor of your choice.
KoinRobo will not only automate your funding but also get you more involved in 'social causes'! Distribute your funds into businesses engaged in the social sector.
Get predictable interest or returns of up to 14.5% in a year.

Affordable business capital from KoinBisnis

Online loans for your business up to IDR 2 billion and flexible tenors of up to 24 months.
Grow your business with the help of a capital loan from KoinBisnis.
You can connect your online store and bank accounts with KoinWorks to facilitate the disbursement of funds.

Buy and sell Antam & UBS gold online via KoinGold

Start creating your gold savings by investing through KoinGold.
We have collaborated with trusted gold broker partners in Indonesia to develop a gold trading platform with international security standards.
Make buying and selling transactions directly through the KoinWorks application.

Low-risk asset development with KoinBond

Help the country through the purchase of Government Bonds (SUN) / Government Securities (SBN).
Various types of bonds are available such as Indonesian Government Bonds (ORI), Retail Savings Bonds (SBR) and Retail Sukuk (Islamic bonds).
Open an e-sbn account, buy bonds and receive the proceeds directly from the KoinWorks application.

Early payday with KoinGaji

No need to wait for the end of the month to enjoy a maximum of 70% of your salary.
Enjoy an early payday without interest at a very affordable cost.
Currently, KoinGaji can only be enjoyed by employees whose companies have collaborated with KoinWorks.

We have other cool features that you definitely don't want to miss:

Diversification: The easiest way to build your portfolio across marketplaces.
Partner with leading brands: Partner with Tokopedia, BukaLapak, Shopee, Lazada, MOKA etc to make good data integration.
Automatic Purchases: Automate your funding based on predefined filters.
Bank Connect: Whatever bank account you have, be it BCA, Mandiri, BRI, CIMB Niaga, or others, simply connect your bank account securely for faster loan approval.
Store Connect: Connect your online store to integrate your business data automatically.

KoinWorks Awards

The Most Innovative Fintech of The Year 2017 from Bisnis Indonesia.
Innovative Company in Providing Online Funding with Machine Learning, Category: Financial Technology in 2017 &; 2018 from Warta Ekonomi.
Winner of The Asian Banker Financial Innovation Showcase and Competition Indonesia 2019, Category: Lending.
Top 6 finalists of Visa Everywhere Initiative Indonesia 2019.

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