Getting a loan is not an easy thing in this day and age. High interest rates, many terms, and a large minimum loan also make many people unable to apply for loans. But now there are many websites that can provide loan services on a peer to peer basis. With this you will be able to get a loan more easily, with smaller interest and easier terms. Not only will borrowers benefit but lenders will also benefit from traditional loans. Here are the best P2P lending that will help you to get a loan easily.

KoinWorks

Koinworks is a super financial application that can be a solution to your personal and business financial needs. This application has the goal of realizing all the financial dreams of its users in the future using only one dashboard. There are many financial services in this application, such as investment funding and MSME business capital loans that use peer to peer lending. The products in this application are made by two companies at once, namely PT Sejahtera Lunaria Annua and PT Lunaria Annua Teknologi. This application has also been registered as a Digital Financial Innovation Organizer in the Aggregator Cluster at the Financial Services Authority whose registration letter number is No. S-87/MS.72/2020 dated February 10, 2020. This application also has an Electronic System Operator Registration Certificate No. 00257/DJAI. PSE/02/2020 and has become a member of the Indonesian Fintech Association with registration number 0322/REG/AFT/SU. As a super financial application, this application has many services to connect parties who want to carry out financial activities in any form. Examples of activities can be in lending and borrowing money services based on information technology or other financial activities. This application does not provide funding advice or recommendations regarding any options within this application.

Akseleran

Akseleran is a peer to peer lending platform in Indonesia in order to connect SMEs who are in need of loans in order to develop their businesses. This platform gathers people who can provide loans to SMEs in need. There is access to capital for business actors with fairly competitive and flexible interest rates in terms of loan tenors, payment models, and collateral participation. There are also alternative lending opportunities to the community in order to get attractive returns and also commensurate with the risks they take. Akseleran was founded by people who are already professionals in the financial and technological fields. Their vision is 'Inclusive Finance becomes Reality'. The hope is that they can encourage the development of SMEs in Indonesia which will provide benefits for business actors and also lenders who support them.

Modalku

Modalku is a digital funding platform for MSMEs that uses a financial technology base in Indonesia. This best P2P lending connects MSMEs that have potential and also lenders in order to support Indonesia's economic growth and development and build a more inclusive financial world. Modalku always applies values such as test, measure, act, which is their value to always have curiosity and update themselves through innovation and experimentation. Then there is also serve with obsession, where Modalku will be obsessed with customers so that the long-term relationship between the two will be profitable. Next is enable teamwork, disable politics, which is the value of togetherness of the Modalku website, where they will only succeed if they build togetherness. Grow relentlessly is Modalku's effort to be able to achieve the best potential in you. Finally, there is focus on impact, where my capital will create an impact that has real action and also clear results. There are two companies that are shareholders on this website, namely Funding Asia Group and Modalku Indonesia Makmur. Funding Asia Group is a company engaged in other holding companies. The company focuses on the process of planning, measuring, monitoring, controlling, and optimizing its subsidiaries or affiliates. Meanwhile, PT Modalku Indonesia Makmur is a company engaged in the service and trading business in Indonesia.

Amartha

Amartha is a company established in 2010 with the field of microfinance business. Their mission is to connect micro business actors with investors online. This company started from many micro entrepreneurs who found it difficult to get business capital due to lack of collateral, fluctuations in income, and also no credit history. Fortunately, because now there is the right technology and also the spirit of mutual cooperation, this company believes that they can be good loan recipients. Investing in micro businesses has also been proven to have a good social impact. The company believes that if access to capital becomes easier, micro businesses can contribute to improving the quality of life of the underclass, building a more resilient economy, and also realizing social justice for all Indonesian people.

Board of Advisors

The following are the names that serve on the board of advisors of Amartha.

Rudiantara

Rudiantara is a leader in Indonesia who has experience and expertise in leading many companies to date. He also served as Indonesia's Minister of Communication and Information in the 2014-2019 period.

Eddi Danusaputro

Eddi Danusaputro is the CEO of Mandiri Capital Indonesia. He has more than 20 years of experience in financial institutions in many countries. The reason she joined Amartha is because she has the same vision and mission in prospering women MSMEs in rural areas.

Djamal Attamimi

Djamal Attamimi is the founder and CEO of Lynx Indonesia Partners. Since 2017 he has been a loyal supporter of this website. Especially when the company is transforming into a P2P fintech.

Euis Amalia

Euis Amalia is a female figure and sharia economics who is also a professor of Islamic economics at UIN Syarif Hidayatullah. In addition to being a book writer and professor; She is active in the field of women's economic empowerment and has done a lot of research on Indonesian microfinance.

Sean Yang

Sean Yang is a professional in the field of technology and financial institutions since 2014. He is an investment manager at SBI Investment. With this best P2P lending, he helps encourage technological innovation so that the digitization process of MSMEs can be faster.

Janice Sa

Janice Sa is an investment manager at Z Venture Capital. He has more than 10 years of experience in the technology industry and specializes in business development and marketing.

Leadership

The following are the names that serve as leadership at Amartha.

Andi Taufan Garuda Putra

Andi Taufan Garuda Putra is a graduate of the ITB School of Business Management. He built this best P2P lending in 2010 so that it could become a microfinance institution and turn into a financial technology company in 2016.

Aria Widyanto

She believes that women's economic empowerment can be helped with good technology. Her ability in banking and her desire to empower women, has made her responsible in the area of risk management and sustainability strategies on this website.

Hadi Wenas

Hadi Wenas is someone who has experience in building and leading companies since 2012. She leads the commercial team on this application, to create business innovations that are useful for the welfare of women in the village.

Budhi Siswoadji

Budhi has been in the field of microfinance and banking for more than 25 years. He has experience in financing systems and empowerment of the micro segment in Indonesia.

Ramdhan Anggakaradibrata

Ramdhan has more than 15 years of experience in accounting and finance. On this website, he has the responsibility to manage and ensure that the company's finances are working properly so that the company's long-term and sustainable growth can be supported.

Gandeng Tangan

Gandeng Tangan started its journey in 2015. The purpose of this best P2P lending is to provide facilities for the financial needs of micro businesses in order to get capital loans more easily and quickly by using a platform on a peer to peer lending basis. By using advanced information technology, this best P2P lending seeks to serve people who have not received services, connect micro-entrepreneurs with people who want to get financial freedom, and also provide people with a good social impact. With a strong desire, this best P2P lending believes that everyone has the opportunity to get access to capital and also realize their dreams so that they can get financial freedom. Jezzie is the founder and CEO of Gandeng Tangan. He has over 7 years of business and management experience. Previously, he worked as a credit and financial analyst and capital researcher analyst in a well-known company with excellent performance. He is also a graduate from the Bandung Institute of Technology with an MBA in the UK. There are several official licenses that he has, for example such as Investment Manager Representative and Chartered Financial Analyst. Darul is the co-founder of Gandeng Tangan. It has been working for more than 7 years in the field of local communities. He has also collaborated with the Ministry of Energy and Mineral Resources of the Republic of Indonesia on the Indonesia Terang program. Darul is in the Young Teachers program held by the Indonesian Teaching Movement batch IV. he teaches on the island of Rote, NTT. He earned his master's degree at UI. Dwi D. Wiyadi is the Head of IT Department at Gandeng Tangan. He worked in this field for more than 14 years. He also has experience in national and multinational companies that have various industries such as IT, consulting, marketplaces, and financial technology companies. He earned a Bachelor of Computer Technology degree at Bina Nusantara University. Even though the situation is now difficult, Gandeng Tangan can help 656 micro businesses in Indonesia that need capital financing. They are trusted to get funding from Bahana Artha Bentura in an unspecified amount, as well as getting its affiliation throughout Indonesia.

Investree

Investree is a company in Indonesia that is in the financial industry. Their simple mission is to bring together people who need funding with people who can provide funding. They will make lenders feel benefited, and also borrower loans will become more affordable and certainly accessible. They do this because they see the potential of the Indonesian market which is qualified but access to financing is poor. Its large population is of productive age and has promising economic potential, making Indonesia the right place to run a business. Unfortunately, financial support has not been able to run well due to financial disintermediation. Many individuals and business actors in Indonesia have difficulty accessing finance, especially in terms of information and regulations. Seeing this, Investree creates smart financial services to connect lenders and borrowers in carrying out lending and borrowing activities. This is done to make it easier to access for both. This best P2P lending also provides attractive rewards for lenders with competitive interest rates for borrowers. Investree strives to instill and create strong working principles with the values of integrity, innovation, and professionalism under the banner of sharing economy - a socio-economic system that becomes a personal resource for sharing opportunities. By giving and lending at this best P2P lending, you can help get financial goals and empower the economy of the Indonesian people. Because of its open, secure, and easy mission, everything on this website is nothing to hide, even to the company's bottom line. This best P2P lending charges borrowers with low interest and is transparent, so the interest earned can be competitive. Not only that, this best P2P lending will also not charge any fees to lenders who provide loans. The borrower's fee will be given from the low level of difference between the amount paid by the borrower and the amount of the lender's profit, which is called the origination fee. This fee includes the interest rate that the borrower gets, so there are no other levies. From the research on the Social and Economic Impact of Fintech Lending in Indonesia conducted by the Faculty of Economics and Business, University of Indonesia in 2019, as many as 56% of entrepreneurs received an increase in business turnover, 44% of entrepreneurs managed to absorb more workers, 54% of entrepreneurs felt their income increase after receiving financing from the Invissie sharia scheme, and 59% of entrepreneurs increased their credibility in getting financing from banks after borrowing a lot from Investree. 

Danamas

Danamas merupakan merek perusahaan yang sudah berdiri sejak tahun 2000 dengan nama PT Komunindo Arga Digital. Supaya memudahkan konsumen mereka mengganti nama mereka menjadi PT Pasar Dana Pinjaman di bawah naungan Sinarmas Financial Service. Mereka berusaha untuk memberikan solusi kepada pelaku usaha, terutama usaha mikro supaya bisa meningkatkan usaha mereka. Kebanyakan dari mereka selalu tertahan oleh alasan klasik yaitu kekurangan modal. Hal ini tentunya bisa dimengerti karena banyak orang yang masih sulit untuk mengakses dana dari lembaga keuangan karena syarat untuk mendapatkan kredit memang cukup sulit. Pemegang saham di Danamas adalah PT. SINAR MAS MULTIARTHA Tbk sebesar 66,66% dan Itochu Corporation Japan sebesar 33,34%. Merk ini dikelola oleh profesional yang memiliki latar belakang industri keuangan atau perbankan. Mereka memiliki visi untuk memberdayakan usaha-usaha yang produktif dan misi untuk memudahkan pelaku usaha kecil dalam memperoleh pembiayaan, membantu merealisasikan pembiayaan dengan cepat, dan membuka kesempatan untuk pelaku usaha kecil supaya bisa meningkatkan potensi usahanya. Danamas memiliki komisaris utama bernama Indra Widjaja yang lahir pada tahun 1952. Ia mendapatkan sarjana administrasi bisnis dan industri dari Universitas Nanyang di tahun 1974. Ia menjadi komisaris di PT Sinarmas sejak tahun 1982 dan menjadi komisaris utama sejak tahun 2001 sampai kini. Sejak tahun untuk pula, ia juga pernah menempati beberapa jabatan strategis. Di tahun 2003, ia juga pernah menjadi direktur utama di PT Asuransi Sinar Mas. Dia menjadi komisaris di Sinarmas sejak tahun 1984 dan menjadi komisaris utama sejak tahun 2007. Beliau pernah menjabat di PT Bank Internasional Indonesia sebagai wakil presiden direktur dan menjadi presiden direkturnya dari tahun 1989 sampai 1999. Ia juga menjadi direktur di PT Bimoli dan PT Witikco pada tahun 1974 sampai 1982.

Klik ACC

Klik ACC is a lending platform that uses peer to peer lending technology. This type of lending is the activity of lending money to people who do not have a relationship without using traditional intermediaries such as banks or other institutions. There are 60% of Indonesians who do not have access to the finances they need. These MSMEs are difficult to develop because they cannot get business credit, banks also have low interest rates but the process is long and the minimum loan is high. The interest rates of other lenders can be up to 60%. KlikACC invites partners in various business sectors to build financial access for MSME actors. The existence of information from partners helps KlikACC to select and analyze information on prospective borrowers in order to determine a more competitive loan period and interest. Decisions will also be made more quickly with this. Borrowers will apply for loans in certain partner networks. Later, KlikACC will collaborate with partners so that retailers and funders can meet. Lenders can build a diversified funding portfolio. The main administrators of KlikACC are Peter Djatmiko (Chief Executive Officer), Djoemingin Budiono (Deputy Chief Executive Officer), and Bong Elysabet (Chief Operation Officer). PT Aman Cermat Cepat is a loan service provider with information technology that has been registered and supervised by the Financial Services Authority with a business license with Number KEP-87/D.05/2019 on September 30, 2019. Its business activities are supervised and regulated by the Financial Services Authority Regulation Number 77/POJK.01/2016 concerning Information Technology-Based Money Lending Services.

Mekar

PT Mekar Investama Sampoerna was established to increase financial access to MSME actors in Indonesia. This will have a more positive social and economic impact. They do this by connecting lenders with small businesses that need capital. They also have partners with non-bank financial institutions that operate in many regions of Indonesia. They use technology so that financial access can be provided more easily to the Indonesian people in order to provide funds to small business actors. In achieving their mission, they invite people who have more funds to provide business loans to business people who are experiencing a shortage of capital. They strive to reach all regions of Indonesia in cooperation with several cooperatives, people's credit banks, and other financial institutions that reach more than 300 branch offices in Indonesia. These institutions will later seek, select, and provide funding to business people. This company will also select minimum risk borrowers so that they can be given loans. This makes institutions that are partners of Mekar have more capital to use, so they can provide funds to more businesses.

UangTeman

There are many cash needs that the Indonesian people have in order to meet urgent needs such as paying additional school fees. There is also a fact that states that the need for small cash funds cannot be met by existing loan institutions. The president of UangTeman is Muhammad Aidil bin Zulkifli. Prior to joining the business, he was a lawyer with a qualified legal practitioner in Singapore. In this company, Aidil has responsibility for all developments of UangTeman, including product innovation and marketing. Then there is Chandra Tjan who is the President Commissioner of UangTeman from the results of the Annual General Meeting of Shareholders on October 19, 2016. Denis Ergana Gaos is the Commissioner of UangTeman from the GMS on October 19, 2016. He received his business degree from Monash University in 2007 and majored in Financial Risk Management. There is also Steve Ting Tuan Toon who became the Commissioner of Uang Teman from the GMS on October 19, 2016. He holds a degree in Engineering from the National University of Singapore. The total accumulated funding since the establishment of UangTeman is IDR 628.7 billion. The number of active loan recipients is 6,472, and the total OS is 12,562,100,000.

KreditPintar

PT Kredit Pintar Indonesia is a financial technology company that has a vision to be able to improve the quality of life of the Indonesian people through easy access to short-term loans. By using Artificial Intelligence technology, they want to collaborate with this community to improve Indonesia's welfare. Wisely Reinharda Wijaya is the president director of Kredit Pintar. He earned a bachelor's degree from Beihang University. He started Kredit Pintar Indonesia because he has an interest in financial technology developments. Wiselly is considered to have the competence to occupy his position. He is also considered for the view that can advance the Indonesian economy by making this best P2P lending as an inclusive financial solution. Darjoto Setyawan is the president commissioner of Kredit Pintar Indonesia. He has experience working in well-known Indonesian companies such as Bentoel Group, Semengresik, Eagle High, and Nusantara Infrastructure. With his ability and experience, he is considered to be able to make this best P2P lending company that can help the Indonesian economy. And there is Peter John Chambers who is the commissioner of PT Kredit Pintar Indonesia. He has 20 years of experience in the financial world. He has also held various important positions in well-known Indonesian companies such as Cooper and Lybrand, Excelcomindo Pratama, and Rajawali Corpora. He was also the Chairman of the XL Audit Committee and now he is a Commissioner of XL. He is a member of Axiata Risk and Chairman of the Axiata Cyber Security Committee.

TaniFund

Tanifund is a subsidiary of Tanihub. This best P2P lending will connect farmers from various regions in Indonesia with business people. This is done because many farmers in Indonesia have difficulties in financing problems. Tanifund was launched to help provide financing to farmers in Indonesia. It is hoped that with this assistance, farmers in Indonesia can develop their businesses and can improve the economy in rural areas. Behind Tanifund there are many people who have experience in agriculture. Their team has the same mission, which is to make Indonesian farmers prosperous. They have advisors, namely J.W. Saputro, Ph.D. and Dr. Rahmat Waluyanto, M.B.A. On the board of directors there is Ivan Arie Setiawan who is a director of Tanifund. Prior to becoming a director, he was a person who had a career in finance and the retail industry for more than 15 years. He is trusted to take responsibility for the development of Tanifund so that the agricultural financial sector in Indonesia can become more advanced. Then there is the commissioner named Pamitra Wineka. Pamitra holds a bachelor's degree in mathematics education from the Bandung Institute of Technology and a Master of Economics from Illinois University. He can serve as a commissioner because he is considered to have very great competence and understanding of the industry, especially his work experience where he has worked at the World Bank and other financial institutions. The shareholders of Tanifund are Pamitra Wineka and PT Tanihub Indonesia. Tanihub has farmer partners who are very persistent and tenacious in running a business. They have planted on a large scale since joining Tanifund. They can also help reduce the number of unemployed in their rural areas by employing them in agriculture. Examples include Endang Gunawan, Zuhrul Anam, Saepulloh and Rahmat Suherman. Those are the companies that can help in making borrowing and borrowing easier. Of course, than loans like in general, loans on the best P2P lending will be easier and also more profitable because of the interest and the minimum loan amount is less. Hopefully it can help you if you are having trouble getting a loan. Thus the information about P2P Lending companies from GIC Indonesia. Also read information and articles about banking, finance and forex such as "How to Learn Forex" in the GIC Journal. Also get bonuses from GIC by participating in Friday barokah and 100% Deposit Bonus.