KoinWorks Business Loans & P2P

32.7K reviews
Content rating
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About this app

KoinWorks facilitates financial management & business capital loans for MSME with cash loan, invoice financing, employee loan, etc, easy submission✅, low interest✅, without credit card✅ or collateral✅. Facilitates asset development through business funding, Gold Savings/Investments, Bonds, etc. One of the pioneers of Peer to Peer Lending fintech in Indonesia, registered & supervised by OJK

📗 Various solutions & financial reports
🔰 Registered at OJK, number S.87/MS.72/2020, Feb 10, 2020
🔐 ISO 27001 certification for financial aggregator services industry


KoinWorks NEO provides easier, faster, practical business financial management—activate in 2 minutes, enjoy these features:

NEO Card
• One card for multiple business needs
• Create a virtual card in 1 minute
• Top-up instantly, up to IDR100 Mio per card
• Transact online with preferred merchants, domestic or international

Payment Link
• Receiving payment from various methods, credit card, debit card, e-wallet
• Generate a payment link/download an invoice in 2 minutes
• Schedule recurring payments

Send Money
• Anytime, anywhere, send money to any bank with 0 charges
• High limit per transaction, realtime or scheduled


✦Non-bank online business loans up to 2 billion, low origination fees, start from 0.75% of the loan amount, low installment effective interest, start from 9% per year through KOINBISNIS. Cash loan disbursement will be faster if business's financial profile is healthy
✦Accelerate the disbursement of client invoices that are not yet due by up to 80% with invoice financing through KOININVOICE loans so that your cash flow is safe
✦Help employees' loan needs by paying early and fast salaries through KOINGAJI

✦ Loan limit (Plafon) IDR 1 Million - IDR 2 Billion
✦ Monthly interest rate 0,75% - 1,67% (Yearly rate 9% - 20%)
✦ Tenor 6 - 24 months
✦ Origination fee (depend on tenor) 0,75% - 5%
✦ Admin fee IDR 150.000 - IDR 200.000
✦ Insurance fee 0,10% - 1,25%
✦ Late fee 6% of installment amount (depend on days)

Loan Simulation:
✦ Installment of monthly loan interest: (Amount / Tenor) 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) / Tenor
✦ IDR 10,075,000 / 12 = IDR 839,583.33 per month
✦ Plafon Received After Cost Reduction: Plafon - (Plafon x Origination) - (Admin) - (Insurance)
✦ IDR 10,000,000 - IDR 75,000 - IDR 150,000 - IDR 10,000 = IDR 9,765,000 after fees


✦Long term profit with gold investment, Buy and sell gold from Antam and UBS online, start from IDR 1,000 through KOINGOLD
✦The gold investment, develop assets by funding MSME businesses, based on P2P lending, effective returns up to 18% per year, funding start from IDR 100K and multiples through KOINP2P. KoinP2P is licensed & supervised by OJK, letter number: KEP-125/D.05/2019, Dec 13, 2019
✦Automatic P2P funding, utilizing Artificial Intelligence (AI), low risk, with 4%-14% p.a yield, start from IDR 100K and multiples through KOINROBO
✦Development of assets with low risk by Securities (SBN)/ Government Bonds (SUN): buy SBR, Indonesian Government Bonds (ORI), Retail & Savings Sukuk (sharia bonds) through KOINBOND

✦Modern gold & asset investment methods
✦High funding Interest (return)
✦Legally supervised by OJK
✦Can start investing in gold and developing assets from IDR 1000

⚠︎KoinWorks NEO similar to neobank
⚠︎KoinWorks NEO ≠ digital bank
⚠︎KoinP2P ≠ saham, forex
⚠︎KoinRobo ≠ deposito


WA: +6281703972888
Email: support@koinworks.com
Address: Cyber 2 Building, 35th Floor Unit D-E
Jl. HR Rasuna Said, Blok X5 No 13 Kuningan, Setia Budi Jakarta Selatan
Updated on
Feb 16, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info and Device or other IDs
No data collected
Learn more about how developers declare collection
Data isn’t encrypted
You can request that data be deleted

Ratings and reviews

32.4K reviews
Rizky D
January 25, 2024
Extremely difficult to have npwp info updated. Took more than a month of supplying various info, pictures, etc only to have the CS person ended up saying couldn't continue with the update process. And this is because the self service feature was broken. It has been broken for months and has never got fixed.
1 person found this review helpful
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PT Sejahtera Lunaria Annua
January 25, 2024
Sorry for the trouble you are experiencing with our app. For further assistance, please email us at support@koinworks.com or Whatsapp at +62 817 0397 2888. ^yn
Kevin Nainggolan
February 3, 2024
Been lending my money here since 2020 so far so good, I only got 1 restructured loan but the case is over in about 7 months. UI quite good, but sometimes crowdfunding appear and disappear out of the blue so I have to keep watching the app every hour or so I don't miss good opportunity. Seeing the review from other apps where the main topic is about default while here it's mostly about UI/UX just show you guys did a better job 👍
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PT Sejahtera Lunaria Annua
February 3, 2024
Hi sis, MiKo would like to thank you for the review and rating you have given. KoinWorks will try to be even better in order to develop our products and services so that we can get 5 stars from you 😊 ^rj
No Subscribers
December 7, 2023
This app has excellent service, by phone, WhatsApp and email. Their professionality is really thing. Just suggestion. When view a card details, the verification request needed to prevent from unknown accessing. And by default, this is a financial app, I think screenshot taking prevention is main thing in every financial app. You should add it.
1 person found this review helpful
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PT Sejahtera Lunaria Annua
December 7, 2023
Hi No Subscribers! Thankyou for your review and rating. We're really appreciate your review and suggestion, and will make an improvement for the better service to make your experience better for next. 🤗^za

What's new

Hi KoinWorks user! We have enhanced some features on:

Improved app performance for a smoother user experience.

For information:
WA: +6281703972888
Email: support@koinworks.com

Thank you for choosing KoinWorks for your investment needs.

Best regards,
The KoinWorks Team

App support