UKU - Pinjaman Dana Digital

PT Teknologi Merlin Sejahtera

About this app

UKU - No hassle!
Get a safe and reliable loan from UKU, an information technology-based joint funding service platform, which is licensed and supervised by the OJK, in accordance with letter number: KEP-46/D.05/2021 dated 2 June 2021.
UKU, also a member of AFPI, emphasizes its safe and reliable services. Permits from the OJK and our membership in AFPI are proof of our commitment to providing trusted services to you. In addition, UKU has obtained ISO/IEC 27001:2022 certification, an official recognition of the Information Security Management System that we implement. This is a real step from us in ensuring the security of UKU customer information data.

Why borrow funds from UKU?
☑ No hassle!
Provide your KTP, personal account number, active cellphone number, and fill in the form in the UKU application.

☑ We are transparent with the fees charged to customers
No hidden fees. The maximum service charge will be no more than 14% per year.
(1) Loan period: 90 - 180 days
(2) Maximum friendly interest per day: 0.3%.
(3) Maximum annual interest (APR): 36%.
(4) Loan value: Rp. 500,000 to Rp. 30,000,000.*
*For new users, limits will be added gradually. T&C apply: https://www.ukuindo.com

Loan Simulation

Calculation of costs for a loan product of IDR 1,000,000 for 90 days:
• Total Payment = IDR 1,000,000 + (IDR 1,000,000 x 0.3% x 90 days) = IDR 1,270,000
• Nominal bill per period (per 30 days): IDR 366,700 (including VAT)
Calculation of costs for a loan product of IDR 12,000,000 for 90 days:
• Total Payment = IDR 12,000,000 + (IDR 12,000,000 x 0.3% x 90 days) = IDR IDR 15,240,000
• Nominal bill per period (per 30 days): IDR 4,399,600 (including VAT)

☑ Funds disbursed within a maximum of 24 hours
Cash funds will be disbursed to your registered account after passing the verification process.

☑ There are various easy repayment methods
Repayments can be made anywhere and at any time via ATM transfer, M-Banking (BCA, BRI, BNI, Mandiri, Permata), QRIS, and Alfa Group (Alfamart, Alfamidi, Alfa Express, DAN+DAN).

☑ We are committed to protecting user data
Apart from following OJK guidelines and ISO/IEC 27001:2022 certification, UKU only accesses the camera, microphone and location on the cellphone.
Stages of the Submission Process to Disbursement
1. Download the UKU application on your cellphone then create an account and choose the nominal amount and duration of the loan according to your needs and abilities.
2. Complete your personal data. Make sure the photo has been taken clearly. The data you fill in must be actual data and the filling must be in accordance with procedures.
3. Wait for the verification process by the system. After the application is made, our system immediately processes the verification. Verification status can be checked in the application.
4. After passing verification, funds will be disbursed within a maximum of 24 hours.

IMPORTANT!
Please be careful of all forms of fraud in the name of UKU or PT Teknologi Merlin Sejahtera. Get official information only via the contact below:
WhatsApp Customer Service (1): 087716640284
WhatsApp Customer Service (2): 085219944374
Telephone: [phone]
Email: [e-mail]
Instagram: @uku.indo
Facebook 1: UKU Indonesia
Facebook 2: UKU is not complicated
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UKU | PT Teknologi Merlin Sejahtera
Lippo St. Moritz Office, 10th Floor, Suite 02, Jalan Puri Indah Raya Blok U1, Kembangan Selatan Village, Kembangan District, West Jakarta, DKI Jakarta.

Ratings and reviews

This app is a very good form of loan, the interest is not too high and the form of loan is also appropriate and fits expectations, the program is fast and easy to access in the near future🫶😎

DC sucks and those using WA are not polite at all, oh AND YOU'RE NOT EVEN LATE, still h-2. Interest not low like they advertised, so choose carefully before decide to use this. There are better apps like Akulaku & Kredivo. Already screenshot those chats and gladly will report it to OJK.

I tested this app but before doing any transaction, i wanted to cancel using this app. I asked them to delete my data but instead of removing my data they asked for another ID Card and your selfie with that ID Card, that's TOO MUCH!!! They break the data protection law. It's obvious that they don't want to delete nor remove my account even though there is NO transaction. So, think twice if you want to use this app.

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