KoinWorks Business Loans & P2P

KoinWorks facilitates financial management &

with cash loan, invoice financing, employee loan, etc, easy submission✅, low interest✅, without credit card✅ or collateral✅. Facilitates asset development through business funding, Gold Savings/Investments, Bonds, etc. One of the pioneers of

fintech in Indonesia, registered & supervised by

📗 Various solutions & financial reports

🔰 Registered at OJK, number S.87/MS.72/2020, Feb 10, 2020

🔐 ISO 27001 certification for financial aggregator services industry

KoinWorks NEO provides easier, faster, practical business financial management—activate in 2 minutes, enjoy these features:

• One card for multiple business needs

• Create a virtual card in 1 minute

• Top-up instantly, up to IDR100 Mio per card

• Transact online with preferred merchants, domestic or international

• Receiving payment from various methods, credit card, debit card, e-wallet

• Generate a payment link/download an invoice in 2 minutes

• Schedule recurring payments

• 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, start from 9% per year through KOINBISNIS.

if business's financial profile is healthy

✦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 employees' loan needs by paying early and fast salaries through KOINGAJI

✦ Loan limit (Plafon) IDR 1 Million - IDR 2 Billion

✦ Monthly interest rate 0,75% - 1,67% (Yearly rate 9% - 20%)

✦ Tenor 6 - 24 months

✦ Origination fee (depend on tenor) 0,75% - 5%

✦ Admin fee IDR 150.000 - IDR 200.000

✦ Insurance fee 0,10% - 1,25%

✦ Late fee 6% of installment amount (depend on days)

✦ Installment of monthly loan interest: (Amount / Tenor) x Plafon

✦ (0.09 / 12) x IDR 10,000,000 = IDR 75,000

✦ Loan Amount + Interest: Plafon + Interest

✦ IDR 10,000,000 + IDR 75,000 = IDR 10,075,000

✦ Monthly Installment: (Plafon + Interest) / Tenor

✦ IDR 10,075,000 / 12 = IDR 839,583.33 per month

✦ Plafon Received After Cost Reduction: Plafon - (Plafon x Origination) - (Admin) - (Insurance)

✦ IDR 10,000,000 - IDR 75,000 - IDR 150,000 - IDR 10,000 = IDR 9,765,000 after fees

✦Long term profit with

, Buy and sell gold from Antam and

online, start from IDR 1,000 through KOINGOLD

✦The gold investment, develop assets by funding MSME businesses, based on P2P lending, effective returns up to 18% per year, funding start from IDR 100K and multiples through KOINP2P. KoinP2P is licensed & supervised by OJK, letter number: KEP-125/D.05/2019, Dec 13, 2019

✦Automatic P2P funding, utilizing Artificial Intelligence (AI), low risk, with 4%-14% p.a yield, start 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), Retail & Savings Sukuk (sharia bonds) through KOINBOND

✦Modern gold & asset investment methods

✦High funding Interest (return)

✦Legally supervised by OJK

✦Can start

and developing assets from IDR 1000

⚠︎KoinWorks NEO 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