Leveling Up Beyond Finance

More than just a financial platform, we deliver healthy financial return with significant impact

Words from Our Leaders

“We look at our biggest dream (for now, that is), which is to create a circular cycle of investing where everyone in the digital ecosystem benefits from each interaction they undertake. Small impact investments can bring the dreams of MSMEs to life and affect a lasting positive change in the lives of the businesses and communities they serve. And throughout, individual investors can help make these dreams happen while achieving their own financial goals. Everyone wins in this scenario — in this dream that we now all share ”


Benedicto Haryono

Co-Founder and CEO of KoinWorks

“As we advocate for an inclusive digital business ecosystem, we look to the future with sustainability as our next major initiative. This is the way to positively impact the growth of Micro, Small and Medium Enterprises (MSMEs) and, in turn, these efforts will reverberate throughout the country’s economy through job creation and uplifted communities.”


Willy Arifin

Commissioner Executive Chairman & Co-Founder of KoinWorks

“Showcasing accountable impact metrics is our top priority. With the proper metrics, not only should we be able to see how 64 million MSMEs contribute to the development of the middle class in Indonesia, in numbers and narrative, but we also should be able to assess their value as a whole.”


Angelique Timmer

Senior VP Impact & ESG

Executive Summary

2.2 Million Users

2.2 Million Users Have joined KoinWorks to unlock their dreams, spread across 34 of 37 Provinces in Indonesia.

IDR 15 Trillion (USD 1.1 Billion) Disbursed

IDR 15 Trillion (USD 1.1 Billion) have been disbursed to solve MSMEs liquidity constraints.

+63% Net Impact to Indonesia

In July 2022, our investor AC Ventures together with the Boston Consulting Group of Indonesia assess that our overall ESG net-impact is a positive contribution of +63% Net Impact  to Indonesia.
Our key impact drivers are the number of employment created; along with enabling digital access to finance and financial knowledge; and increasing user revenue and asset growth. Our net impact score is significant. It is 2 times of BCA’s, 3 times of Mastercard’s, and 5 times of Goldman Sach’s.

4 Pillars of KoinWorks Impact - ESG Works

Learn More About KoinWorks Impact

Download our 1st Edition of the Impact Report 2022
Impact Report Form

Let us know your feedback:
[email protected]

Stories from The Ecosystem

Stories from Our Investors

We're on a mission to increase access to quality financial services for underserved consumers and MSMEs in emerging markets through our investments.

Since Quona invested in 2019, KoinWorks has made significant strides in deepening their impact on customers through customer education and expanded products (including NEO) that help SMEs get access to not only credit, but also digital transactions and payments.

"Our original impact thesis for KoinWorks centered on the company's potential to address the massive SME funding gap in Indonesia through its seamless, digitized process and focus on micro and small enterprises. KoinWorks is able to offer more than any other fintech SME bank or lender, in addition to offering more holistic accounts, payments, and card services, aiming to provide the SMEs a more superior banking experience.

They have also dedicated significant energy and effort behind educating the customers, which is essentially for responsible banking in the new age."

Ganesh Rangaswamy

Co-founder and Managing Partner at Quona Capital

At MDI ventures we believe that investing in ESG and impact-focused companies will deliver the same if not more return compared with commercial Venture Capital investments in general. Implementing ESG helps companies to grow more sustainably and manage their risks better, and those 2 points are actually becoming more important since investors nowadays look deeper into Units of economics and healthy growth companies.

"KoinWorks has brought more equal opportunity, increased financial inclusion, and unlocked what was previously difficult to achieve with conventional financial institutions for all Indonesians, especially in the MSME sector. KoinWorks has shown strong growth and improvement, the ability to adapt to the challenges and needs of the market, and providing the best solution for Indonesia's financial gap issue

Donald Wihardja

CEO at MDI Ventures

East Ventures believes in investing in the next generation with heavy focus on startups that put emphasis on how to make the world a better place for our children

We believe that every young person should have the opportunity to pursue their dreams and contribute to society.

"KoinWorks is well placed to provide diverse financial services and contribute to financial inclusion, while improving the financial literacy of millions of underserved customers in the country. Kolnworks paves the way to an inclusive society by enabling wider communities access to financial services."

Avina Sugiarto

Partner at East Ventures

Triodos invests in companies that contribute to a green, inclusive and resilient economy. Kolnworks exemplifies this through its core business of providing responsible, high impact digital financial products and services, combined with a strong commitment to managing social and environmental performance.

"We appreciate that KoinWorks serves the real economy and contributes to the SME segment, which is the backbone of the economy. As it remains innovative and well-attuned to its target group offering a variety of relevant services: supporting entrepreneurs with diversified financial products and enabling wealth management for retail investors. Triodos supports the ambition of Koinworks to position itself as a sustainable and impactful partner in growing business."

Sagar Thakar

Senior Investment Officer at Triodos IM

Financial inclusion has been integral to Saison International's philosophy and approach to value creation ever since its inception. Saison International as a financial group aspires to stand by customers during life events and corporate cycles, by providing access to a wide range of financial services and achieve customer As an impact investor, we aim to support d t companies that have proven traction of delivering affordable and accessible solutions and scale financial inclusion. success by combining the real and the digital.

"By facilitating access to financial services and working capital for underserved MSMEs in Indonesia, Koinworks contributes significantly to MSMEs' growth and economic opportunities. The "tech and touch" approach, Le, the use of innovation and digital distribution channels to successfully, and seamlessly reach out to thousands of underserved SMEs, combined with physical visits, makes KoinWorks unique in the Indonesian market."

Kosuke Mori

Managing Director of CEO, Saison International | Saison Capital

"Investing in technology-driven, high-growth startups, AC Ventures catalyzes positive impact and transformation in Indonesia, fueled by the belief that entrepreneurs hold the key to meaningful and lasting change. With a positive 63% net impact score, KoinWorks exemplifies our commitment to inclusive and accessible financial services for MSMES."

Lauren Blasco

Principal, Head of ESG at AC Ventures

Business Partners

Capital Loan
Cloud Kitchen
Capital Buyer Credit
Fulfillment Service
HR Management
Import Cargo Service
Omni Channel
Payment Gateway
Food Delivery
Omni Channel
Point of Sales
Website Builder
Punya uang Rp.100 Ribu? Mulai pendanaan sekarang dan dapatkan keuntungan hingga 14,5%.