KoinWorks NEO Keuangan Digital 4+

Keuangan|Pinjaman|P2P Lending


    • Free

iPhone Screenshots


KoinWorks facilitates financial management and business capital loans for MSME owners with cash loans, invoice financing, employee loans, etc, with easy submission, low interest, without credit card or collateral. Also, facilitates asset development through business funding, Gold Savings/Investments, Bonds, etc. One of the pioneers of P2P Lending fintech in Indonesia, registered and supervised by OJK.

• Providing various solutions & financial reports.
• Registered at OJK, registration number: S.87/MS.72/2020, February 10, 2020.
• ISO 27001 certification for the financial aggregator services industry.


KoinWorks NEO provides an easier, faster, more practical business financial management that can be activated in just 2 minutes, enjoy the following features:

NEO Card
• Multiple virtual cards for multiple business needs
• Create a card in just 1 minute for your operational, digital marketing, employee benefits, or other needs
• Top-up instantly, up to IDR 100 Million per card
• Transact online with preferred merchants, domestic or international

Payment Link
• Start receiving payment from various methods: credit card, debit card, e-wallet, and many more
• Generate a payment link or download an invoice in 2 minutes
• Schedule recurring payments

Send Money
• Anytime, anywhere, send money to any bank with 0 charges
• High limit per transaction, realtime or scheduled


• Non-bank online business loans up to 2 billion, low origination fees, start from 0.75% of the loan amount, low installment effective interest, starting from 9% per year through KOINBISNIS. Cash loan disbursement will be faster if your business's financial profile is healthy, so check your credit score first.
• Accelerate the disbursement of client invoices that are not yet due by up to 80% with invoice financing through KOININVOICE loans so that your cash flow is safe.
• Help your employees loan needs by paying early and fast salaries through KOINGAJI.

• Large business loan limit up to 2 Billion
• Low business loan interest
• Business loan tenor up to 24 months
• Affordable insurance costs

• Initial loan installments with interest: (Value/Tenor)xLoan ceiling
• (0.09/12)xIDR10 million = IDR75k
• Loan Amount+Interest: Loan ceiling+Interest
• IDR10 million + IDR75k = IDR10,075,000
• Monthly Installment: (Loan ceiling+Interest)/Tenor
• IDR10,075,000/12 = IDR839,583.33 per month
• Loan ceiling received after cost reduction: Loan ceiling - (Loan ceilingxOrigination) - (Admin) - (Insurance)
• IDR10 million - IDR75k - IDR150k - IDR10k = IDR9,765,000 including fees


• Long term profit with gold investment, Buy and sell gold from Antam and UBS online, starting from IDR 1,000 through KOINGOLD.
• Despite the gold investment, you can develop assets by funding MSME businesses, based on P2P lending, effective returns up to 18% per year, funding starts from IDR 100K and multiples through KOINP2P. KoinP2P is licensed and supervised by OJK, with letter number: KEP-125/D.05/2019 dated December 13, 2019.
• Join automatic P2P funding, utilizing Artificial Intelligence (AI), low risk, with 4%-14% p.a yield, starting from IDR 100K and multiples through KOINROBO.
• Development of assets with low risk by Securities (SBN)/ Government Bonds (SUN): buy SBR, Indonesian Government Bonds (ORI), and Retail & Savings Sukuk (sharia bonds) through KOINBOND.

• Modern gold & asset investment methods
• High funding Interest (return)
• Legally supervised by OJK
• With a small capital, you can start investing in gold and developing assets

• KoinWorks similar to neobank
• KoinWorks NEO ≠ digital bank
• KoinP2P ≠ saham, forex
• KoinRobo ≠ deposito


WA: +6281703972888
Email: support@koinworks.com
Address: Cyber 2 Building, 35th Floor Unit D-E
Jl. HR Rasuna Said, Blok X5 No 13 Kuningan, Setia Budi Jakarta Selatan

What’s New

Version 2.2.29

Hi KoinWorks user, we have some enhancements:

• KoinRobo order details
• T&C agreement button
• Portfolio button
• OTP input

For information:
WA: +6281703972888
Email: support@koinworks.com

Ratings and Reviews

4.2 out of 5
3K Ratings

3K Ratings

Aquillz ,

Review & Refferal Code

Tampilan menarik & easy to use. P2P Lending favorit saya. Namun saya sering kesulitan untuk menghafal page untuk withdrawal, repayment schedule, dsb.

Use my referral code : 77553
FREE 350 K for first time user

Developer Response ,

Halo Aquillz! Terima kasih atas review dan dukungan kamu kepada platform kami. Untuk informasi lebih lanjut mengenai KoinWorks, silakan menghubungi kami melalui layanan live chat pada aplikasi KoinWorks, pesan singkat WhatsApp di +62 81703972888 ataupun email ke support@koinworks.com ya

Alvon Timotius ,

Applikasi Penipu

KoinWorks Penipu. Jika ada gagal bayar, Dana Proteksi TIDAK MAU DIKELUARIN. Statusnya dibuat pending doang padahal udah lebih dari 6 Bulan (harusnya 3 bulan sudah keluar dana proteksi). Hati-Hati dengan FinTech ini, Dana Proteksinya OMDO doang

Developer Response ,

Mohon maaf sekali ya atas pengalaman kamu yang kurang menyenangkan, mohon informasikan kami melalui email support@Koinworks.com produk id yang kamu maksud, agar dapat kamu bantu untuk update informasinya.

Andyho87 ,

Tidak sesuai OJK- riskan

Pencairan dana tidak sesuai OJK, dana di tahan tahan untuk pencairan. Ada kemungkinan likuiditas terganggu

Developer Response ,

Halo! Maaf banget sudah membuat kamu jadi enggak nyaman. Kami ingin bantu mengecek kendala kamu, untuk itu boleh yaa diceritakan dengan detail serta infokan alamat email kamu ke support@koinworks.com. Nantinya akan segera kami bantu penanganannya. Thanks 🙏

App Privacy

The developer, SEJAHTERA LUNARIA ANNUA, PT, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Diagnostics

Data Linked to You

The following data may be collected and linked to your identity:

  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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