100K+
Downloads
Content rating
Everyone
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About this app

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.
Updated on
Jan 19, 2022

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Bug fixes and improvements.