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Vestia is an indirect Peer to Peer (P2P) Lending platform you can access and use at anytime from your mobile phone.

Vestia by Tujuh Mandiri Sejahtera, PT is registered and supervised by Financial Services Authority (OJK) based on decree number S-1074/NB.213/2018 dated December 7, 2018.
Vestia is also a registered member of Indonesia Fintech Association (AFPI). AFPI is an organisation appointed by OJK.
By being registered and supervised by OJK and a member of AFPI, Vestia will always follow the rules and policies by the government of Indonesia and all authorities.

The main purpose of the Vestia P2P Lending service is to promote the micro business sector in Indonesia through information technology-based platform that helps lender to fund micro business owners to develop their business and improve their welfare. The loan is proposed by the registered micro business owners through Financial Services Institution subjected to applicable law in Indonesia.

As a Lender, you can place a particular amount of loan financing starting from IDR 50,000 (fifty thousand rupiahs) with a multiple of IDR 10,000 (ten thousand rupiahs) and maximum of IDR 2,000,000,000 (two billion rupiahs). The limitation of the maximum amount of loan financing mentioned above is the applicable provision of the Financial Services Authority (OJK) based on the written regulation of POJK No.077/POJK.01/2016.

For Borrower:
- Minimum period of repayment: 25 weeks (6 months)
- Maximum period of repayment: 50 weeks (12 months/1 year)
- Maximum APR for 25-week (6 months) terms of repayment: 14%
- Maximum APR for 35-week (9 months) terms of repayment: 14%
- Maximum APR for 50-week (12 months/1 year) terms of repayment: 14%
- Maximum interest per day: 0.8%

Effective economic benefit for Lender:
- Minimum per year: 10.00%
- Maximum per year: 14,00%
- Average per year: 12.00%

Loan Information
- Loan amount: Rp2,000,000-Rp3,000,000
- Maximum Annual Percentage Rate (APR): 12%
- Tenor: 6-12 months
- Administration cost: 1% for every given loan, included as part of repayment
- Insurance cost: 0.195% from total given loan, included as part of repayment

Loan Simulation
- Loan amount: Rp3,000,000
- Tenor: 25 weeks (equals to 6 months or 175 calendar days)
- Total commission: Rp180,000 (Loan amount x 12% x 6/12)
- Repayment/week: Rp127,200 (Loan amount + Total commission)/25
- Principal repayment: Rp120,000 (Loan amount/25)
- Repayment period: 7 calendar days (weekly)
- Administration cost: 1%
- Total administration cost: Rp30,000 (Loan amount x 1%)
- Administration cost per repayment period: Rp1,200 (Total administration cost/25)
- Insurance cost: 0.195%
- Total insurance cost: Rp5,850 (Loan amount x 0.195%)
- Insurance cost per repayment period: Rp234 (Total insurance cost/25)
- Nett repayment per week: Rp125,766 (Repayment per week - Administration cost per repayment period - Insurance cost per repayment period)
- Total nett repayment: Rp3.144.150 (Nett repayment per week x 25)

Cost for Borrower
- Administration cost: Rp10,000
- Maximum Annual Percentage Rate per year: 14%

If you have questions about Vestia please contact:
PT Tujuh Mandiri Sejahtera
Jl. Cideng Barat No. 76
Kel. Cideng, Kec. Gambir Kota
Jakarta Pusat
DKI Jakarta
Indonesia 10150
Phone: +62-21-21880099
Email: CS@vestia.co.id

What’s New

Version 1.5.10

In this release there are bug fixes and performance improvement. We also change the withdrawal amount amount limit for more flexibility.

Ratings and Reviews

4.5 out of 5
2 Ratings

2 Ratings

FSuHenda ,

P2P Usaha Produktif

Kontribusi positif untuk perkembangan usaha mikro produktif

App Privacy

The developer, Tujuh Mandiri Sejahtera, 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 Not Collected

The developer does not collect any data from this app.

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


  • Family Sharing

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

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