Dhanapala

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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)
- Tenor: 3 bulan
- 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
- Tenor: 3 bulan
- 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 creditworthy individuals with lenders looking for alternatives to investment. Lenders can get more attractive returns 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 develop their business with fast, easy and safe funding.

Dhanapala provides 2 types of loans, namely:

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

2. Individual Loans
- Tenor: 3 months
- Conditions: Loan requirements for personal (personal)
- Loan amount: Rp. 2 million - Rp. 5 million
- Admin fee: 0.99% of the loan amount, minimum IDR 99 thousand
- Interest rate: 2 - 2.99% flat per month

Example of a loan simulation:
Loan of IDR 2,000,000, tenor of 3 months, interest of 2.2% per month, admin fee of IDR 99,000.
Funds disbursed to the borrower's account (loan minus admin fees): IDR 1,901,000
Installments per month: Rp. 710,667 / month.
Total paid (including interest): IDR 2,132,001.

How to apply:
The registration and application process is very easy. You only need to prepare your KTP as well as a photo of yourself, account number, NPWP (optional), and a passbook (optional).

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

Dhanapala (PT Semangat Gotong Royong) has a license from the Financial Services Authority (OJK) as a company providing information technology-based lending and borrowing services with Permit Certificate Number KEP-50 / D.05 / 2021, so that Dhanapala's business activities are carried out under the supervision of OJK based on Financial Services Authority Regulation Number 77 / POJK.01 / 2016.
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Bug fixes and improvements.
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Additional Information

Updated
May 7, 2021
Size
2.7M
Installs
50,000+
Current Version
1.5.5-production
Requires Android
4.1 and up
Content Rating
Everyone
Permissions
Offered By
PT Semangat Gotong Royong
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