Dhanapala

Dhanapala mempertemukan penerima pinjaman seperti Usaha Mikro, Kecil dan Menengah (UMKM) serta individu yang layak kredit dengan pemberi pinjaman yang mencari alternatif untuk investasi. Pemberi pinjaman bisa dapat retur yang lebih menarik dibandingkan berinvestasi produk lainnya, dan penerima pinjaman bisa dapat pinjaman yang mudah, cepat, dan tanpa agunan.

Dhanapala fokus menyediakan produk pinjaman modal usaha untuk UMKM dan pendanaan melalui platform peer-to-peer lending. Dengan ini, peminjam dapat mengembangkan usahanya dengan pendanaan cepat, mudah dan aman.

Dhanapala memberikan 2 tipe pinjaman, yaitu:

1. Pinjaman Berkala (UMKM)
- Periode Pinjaman : 3 bulan (90 hari)
- Ketentuan: Keperluan pinjaman untuk UMKM
- Jumlah pinjaman: Rp2 jt - Rp200 jt
- Biaya admin: 0,99% dari jumlah pinjaman, minimal Rp99 ribu
- Suku bunga: 1,5 - 2,2% flat per bulan

2. Pinjaman Individu
- Periode Pinjaman: 3 bulan (90 hari)
- Ketentuan: Keperluan pinjaman untuk personal (pribadi)
- Jumlah pinjaman: Rp2 jt - Rp5 jt
- Biaya admin: 0,99% dari jumlah pinjaman, minimal Rp99 ribu
- Suku bunga: 2 - 2,99% flat per bulan

Contoh simulasi pinjaman:
Pinjaman Rp2.000.000, tenor 3 bulan, bunga 2,2% per bulan, biaya admin Rp99.000.
Dana dicairkan ke rekening peminjam (Pinjaman dikurangi biaya admin): Rp1.901.000
Cicilan per bulan: Rp710.667/bulan.
Total yang dibayarkan (beserta bunga) : Rp2.132.001.

Cara Pengajuan:
Proses pendaftaran dan pengajuan aplikasi sangat mudah. Anda hanya perlu menyiapkan KTP serta foto diri, nomor rekening, NPWP (opsional), dan buku tabungan (opsional).

Dengan adanya aplikasi Penyelenggara, pendanaan atas Usaha Mikro Kecil Menengah dapat semakin meningkat yang mana dapat mempercepat pertumbuhan perekonomian di Indonesia. Selain itu aplikasi Penyelenggara juga dapat menjawab kebutuhan pemerintah dalam meningkatkan inklusi dan literasi keuangan di Indonesia.

Dhanapala (PT Semangat Gotong Royong) telah berizin dari Otoritas Jasa Keuangan (OJK) sebagai perusahaan penyelenggara layanan pinjam-meminjam uang berbasis teknologi informasi dengan Surat Tanda Berizin Nomor KEP-50/D.05/2021, sehingga kegiatan usaha Dhanapala dilaksanakan dengan pengawasan OJK berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 77/POJK.01/2016.

Dhanapala brings together loan recipients such as Micro, Small and Medium Enterprises (MSMEs) as well as credit-worthy individuals with lenders seeking alternatives for investment. Lenders can get returns that are more attractive than investing in other products, and loan recipients can get loans that are easy, fast, and without collateral.

Dhanapala focuses on providing business capital loan products for MSMEs and funding through a peer-to-peer lending platform. With this, borrowers can expand their business with fast, easy and safe funding.

Dhanapala provides 2 types of loans, namely:

1. Periodic Loans (MSMEs)
- Loan Period : 3 months (90 days)
- Provisions: Loan requirements for MSMEs
- Loan amount: IDR 2 million - IDR 200 million
- Admin fee: 0.99% of the loan amount, a minimum of IDR 99 thousand
- Interest rate: 1.5 - 2.2% flat per month

2. Individual Loans
- Loan Period: 3 months (90 days)
- Conditions: Need for personal loans (private)
- Loan amount: IDR 2 million - IDR 5 million
- Admin fee: 0.99% of the loan amount, a minimum of IDR 99 thousand
- Interest rate: 2 - 2.99% flat per month

Example of loan simulation:
IDR 2,000,000 loan, 3 month tenor, interest 2.2% per month, admin fee IDR 99,000.
Funds disbursed to borrower's account (Loan minus admin fee): IDR 1,901,000
Installment per month: IDR 710,667/month.
Total paid (along with interest): IDR 2,132,0001.

How to Apply:
The registration and application process is very easy. You only need to prepare an ID card as well as a photo of yourself, account number, NPWP (optional), and a savings book (optional).

With the Operator application, funding for Micro, Small and Medium Enterprises can increase which can accelerate economic growth in Indonesia. In addition, the Operator application can also answer the needs of the government in increasing financial inclusion and literacy in Indonesia.

Dhanapala (PT Spirit of Gotong Royong) has been licensed by the Financial Services Authority (OJK) as a company providing information technology-based money-lending services with a Licensed Certificate Number KEP-50/D.05/2021, so that Dhanapala's business activities are carried out under OJK supervision. based on Financial Services Authority Regulation Number 77/POJK.01/2016.