KoinWorks Super App Funding

PT Sejahtera Lunaria Annua

About this app

KoinWorks is a super financial app that helps manage your finances with over 8 years of experience, registered and supervised by the OJK. #SmartInvestment

Register using only your ID card and choose the financial products that suit your needs. Enjoy the ease and convenience of selecting various financial investment products with competitive returns to help you achieve your financial dreams with a wide range of benefits.

The KoinWorks app offers a variety of investment products, from P2P funding to KoinWorks Bank BPR Deposits.

🏪 KoinDeposito by KoinWorks Bank BPR
A deposit with interest rates of up to 6.75% p.a, guaranteed by the LPS and can be withdrawn at any time. Suitable for low-risk investments #KeuntunganBerlipat compared to regular bank interest.

🆙 Peer-to-Peer Lending Investment
Increase your investment returns by diversifying into Peer-to-Peer Lending, which can yield up to 15% p.a. Starting from just IDR 100,000, with flexible terms starting from just 1 month depending on the available loans. This is ideal for boosting your portfolio’s average yield 📈 #KeuntunganBerlipat.

🙋🏻‍♂️ Want to know how much you can earn with KoinWorks investments?
Download the app and connect with our Financial Consultants, who will help you choose the right investment assets for you.

Please note that KoinWorks does not provide financial advice or analysis of your financial situation. You are encouraged to perform your own analysis and seek necessary financial advice before making any investment.

All Your Financial Data in One App

📊 Combined Portfolio
Only one app is needed to see all your diversified investments in KoinWorks. It’s easy and very user-friendly.

🧾 Financial Reports, Taxes, and Earnings
Do you need reports to see your growing finances? We’ve prepared everything in the KoinWorks app.

💰 MSME Business Capital Loans

✦ Online business loans up to IDR 2 billion with low origination fees starting at 0.75%, and low effective installment interest starting from 9% per year through KOINBISNIS. Faster cash loan disbursement if you have a healthy credit score.

✦ Speed up client invoice disbursement up to 80% with invoice financing through KOININVOICE loans to keep your cash flow secure.

✦ KOINGAJI helps employees receive early and fast salary loans.

Loan Information:

✦ Loan Amount (Plafon): IDR 1 million - IDR 2 billion
✦ Monthly Interest: 0.75% - 1.67% (Annual Interest: 9% - 20%)
✦ Term: 6 - 24 months
✦ Origination Fees (based on term): 0.75% - 5%
✦ Administration Fees: IDR 150,000 - IDR 200,000
✦ Insurance Fees: 0.10% - 1.25%
✦ Late Fees: 6% of the overdue amount (depending on the number of days)

Loan Installment Simulation:

✦ Initial loan interest installment: (Value / Term) 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) / Term
✦ IDR 10,075,000 / 12 = IDR 839,583.33 per month
✦ Plafon received after fee deductions: Plafon - (Plafon*Origination) - (Administration Fee) - (Insurance Fee)
✦ IDR 10,000,000 - IDR 75,000 - IDR 150,000 - IDR 10,000 = IDR 9,765,000 including fees

Collaboration and Certifications

📗 Financial solutions and reports
🔰 Registered with OJK, number S.87/MS.72/2020, dated February 10, 2020
🔐 ISO 27001 certification - financial aggregator services

Not only do we have certified collaborations, but KoinWorks is also ISO-certified and has won various awards.

KoinWorks is registered and supervised by the OJK as Financial Technology Innovation provider (ITSK)
ISO 27001 Certified

Download now and connect with the best Financial Consultants!

📞 Contact Us:
WA: [phone]
Phone: 150588
Email: [e-mail]
Address: Cyber 2 Building, 35th Floor, Unit D-E,
Jl. HR Rasuna Said, Block X5 No. 13, Kuningan, Setia Budi, South Jakarta

Ratings and reviews

After the upgrade, the app just keep on crashing. 1. The first time I updated, although I have logged on before, it wouldnt load. I uninstalled and reinstalled it. Now it loads. But it's so slow. 2. The portofolio part ALWAYS cause the crash. 3. When I explored other pages, the loading is so slow. I wouldnt care to comment if it isn't that bad. But it is. I'd rather have an app with simple interface but quick rather than a slow "super" app. Please fix this issue.

The new update are : 1. Very unstable, crash frequently. 2. Design wise, some relevant information are hard to find / hidden within sub-section. e.g portfolio, activity, autobids required multiple button pressed. Some font are too big that they are only halfway visible. 3. Unable to view and sort payment status, e.g late payment, non payment.

From my favorite app to my most hated. UI is highly unintuitive, very difficult to understand and it's clear there is no intention to ever fix it. When there was a server isssue, there was no transparency. The worst part is the Customer Support. Keeps on asking the same thing and doesn't help at all. I've never had to deal with a worse CS in my life.

What's new

Improved overall performance and stability of the app.
General enhancements to improve user experience.

We are dedicated to providing you with the best experience possible. If you have any feedback or suggestions, please reach out to us via:
WhatsApp: [phone]
Email: [e-mail]

Thank you for choosing KoinWorks for your investment needs.

The KoinWorks Team