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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: 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

Version 2.1.51

• Voucher : You can use vouchers while buy gold, and you can get rewards from Koinworks
• New Manual Transfer
• KoinRobo Portfolio enhancement
• Three Dot menu enhancement
• Koin & Cash Classification in Repayment Schedule
• Updated borrower terms for KoinBisnis loan.
• New improvement for smoother bank validation process during disbursement.

Ratings and Reviews

4.3 out of 5
1.1K Ratings

1.1K Ratings

Feny Vivi ,

Invest Super Keren

Mau invest cuma tinggal buka aplikasinya aja, pilihannya banyak. kita bisa liat gradenya jg sebelum invest. ada cashback setiap yg daftar pake kode ‘NG34845’

jlhdlsnshs ,


Download dan *dapatkan 350,000* KOIN dengan kode saya DW91877.

erickurniawan ,

User Friendly

Aplikasi investasi yang mudah digunakan.
Gunakan kode referral RK44560 agar langsung mendapatkan 350.000 secara gratis.


360.9 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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