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KoinWorks is a platform that can provide fast, easy and secure business loan without colateral necessarry. Registered and monitored by OJK. We also provide: investment, gold, bond dan other peer to peer lending services.

The first super financial app in Indonesia, providing various financial services with real time reporting.
- Registered in Otoritas Jasa Keuangan with registration number: S.87/MS.72/2020 on Februari 10, 2020.
- KoinWorks is certified under ISO 27001 in financial agregator services category.

# KoinWorks Products #

# KoinP2P
- Non banking peer to peer lending for small businesses, get up to 18% effective return a year.
- Start small starting from IDR 100,000 and its multiplication.
- KoinP2P is licensed and monitored by OJK. License number: KEP-125/D.05/2019, date: December 13, 2019.

# KoinRobo
- Automatic P2P funding without hassle using sophisticated artificial intelligence. Get fixed return 4% - 13% a year.
- Start small starting from IDR 100,000 and its multiplication.

# KoinBisnis
- Online business loan up to IDR 2 billion without colateral necessary and no credit card required.
- Low origination fee starting from only 0,75% to 5% from the total loan.
- Competitive effective rate starting from 9% to 18%.
- Flexible tenour from a month to twenty four months.
- Easy application via KoinWorks mobile app.

# KoinGold
- Start to save in gold to accumulate long term asset growth with low risk.
- Buy and sell gold (Antam & UBS brand) online starting from IDR 1,000 anytime and anywhere.
- KoinGold won't charge any booking fee, everytime you do a transaction.

# KoinBond
- Grow your asset with very low risk via Indonesia government bond: Surat Berharga Negara (SBN) / Surat Utang Negara (SUN).
- Buy Savings Bond Ritel (SBR), Obligasi Negara Indonesia (ORI) and Sukuk Ritel & Tabungan (syariah bond) via KoinWorks app.
- Get your capital and return directly to your e-sbn account when the bond is due.

# KoinInvoice
- Supply chain and invoice financing maximum 80% of total invoice for up tp IDR 2 billion.
- Flexible tenour from a month to three months.
- Competitive effective rate starting from 9% to 18%.
- Low origination fee starting from only 1% to 2,5% from the total loan.

# KoinWorks Awards
- The Most Innovative Fintech of the Year by Bisnis Indonesia 2017.
- Innovative Company in Providing Online Funding with Machine Learning in 2017 & 2018 by Warta Ekonomi.
- Winner of The Asian Banker Financial Lending Innovation Showcase and Competition Indonesia 2019.
- Top 6 finalists Visa Everywhere Initiative Indonesia 2019.

# Information about loans:
- Loan Amount (Plafond) Rp1 million - Rp2 billions
- Monthly Interest Rate 0.75% - 1.67% (Annual Rate: 9% - 20%)
- Tenor 3 - 24 months
- Origination fee (depends on tenor) 0.75% - 5%
- Administration Rp150,000 - Rp200,000
- Insurance 0.10% - 1.25%
- Late Fee 6% of arrears amount (Depends on number of days)

# Loan simulation:
- (Interest Rate / Tenor) x Plafond
- (0.09 / 12) x Rp10,000,000 = Rp75,000
- Plafond + Interest = Rp10,000,000 + Rp75,000 = Rp10,075,000
- Monthly installment = (Plafond + Interest) / Tenor
- Rp10,075,000 / 12 = Rp839,583.33 per month
- Plafond received after fee deduction = Plafond - (Plafond x Origination Fee) - (Administration Fee) - (Insurance Fee)
- Rp10,000,000 - Rp75,000 - Rp150,000 - Rp10,000
- You’ll get: Rp9,765,000 including fees

# Disclaimer #
- KoinP2P is different from stocks trading, forex trading, binary option dan mutual fund.
- KoinRobo is different with fixed saving account.

What’s New


- New Activity Cashflow Design
- Empty State in KoinP2P when all loans are completed
- Fixing Bugs and Performance Improvement

Ratings and Reviews

4.3 out of 5
1.2K Ratings

1.2K Ratings

asha rahmadani ,

Aplikasi terbaik

Sangat mudah untuk daftar! Aplikasi mudah dimengerti apalagi untuk kita yang masih awam ttg P2P lending. Good job👍🏻

Developer Response ,

Hai Asha, terima kasih yaa atas review kamu untuk KoinWorks! Lalu kalau nantinya ada yang ingin ditanyakan, silakan email ke kami di support@koinworks.com 😊

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 🙏

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

App Privacy

The developer, SEJAHTERA LUNARIA ANNUA, PT, has 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 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


451.1 MB

Requires iOS 11.0 or later. Compatible with iPhone, iPad and iPod touch.


English, Indonesian

Age Rating


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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