KoinWorks - Pinjaman Usaha | Investasi Emas | P2P

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๐Ÿ’ผ PINJAMAN KHUSUS UNTUK PEMILIK BISNIS ๐Ÿ’ผ



KoinWorks adalah platform kredit pinjaman usaha tunai yang tercatat dan diawasi oleh OJK.
โœ… Pengajuan mudah โœ… Bunga rendah โœ… Tanpa kartu kredit โœ… Tanpa jaminan / agunan

Juga tersedia ๐Ÿ’ฒ Investasi ๐Ÿต Tabungan Emas ๐Ÿ“œ Obligasi dan ๐Ÿ‘ฌ Peer to Peer Lending

Aplikasi super financial online pertama di Indonesia yang menyediakan berbagai jenis kebutuhan dan laporan keuangan.
๐Ÿ”ฐ Tercatat di Otoritas Jasa Keuangan dengan nomor pencatatan: S.87/MS.72/2020, pada tanggal 10 Februari 2020.
๐Ÿ” KoinWorks juga memiliki sertifikasi ISO 27001 dalam bidang layanan agregator keuangan.

๐Ÿ‘‘ Produk KoinWorks ๐Ÿ‘‘



๐Ÿ‘ฌ KoinP2P ๐Ÿ‘ฌ


๐Ÿ’ธ Pendanaan non bank peer to peer (P2P) lending untuk UMKM dengan imbal hasil efektif hingga 18% per tahun.
๐Ÿ’ฒ Mulai dengan modal kecil dari Rp 100.000 tunai dan kelipatannya.
๐Ÿ”ฐ KoinP2P berizin usaha dan diawasi oleh OJK, dengan nomor surat: KEP-125/D.05/2019 pada tanggal 13 Desember 2019.

๐Ÿ’ต KoinRobo ๐Ÿ’ต


๐Ÿค– Pendanaan P2P otomatis tanpa repot menggunakan kecerdasan buatan dengan imbal hasil terprediksi 4% - 13% per tahun.
๐Ÿ’ฒ Mulai dengan modal kecil dari Rp 100.000 tunai dan kelipatannya.

๐Ÿ’ฐ KoinBisnis ๐Ÿ’ฐ


๐Ÿ’ผ Pinjaman online untuk bisnis hingga Rp2 Miliar tanpa kartu kredit dan jaminan/ agunan.
๐Ÿงพ Biaya rendah mulai dari 0,75% s/d 5% dari jumlah pinjaman.
๐ŸŒผ Bunga cicilan efektif yang cukup rendah mulai dari 9% s/d 18% per tahun.
๐Ÿ“… Tenor cicilan yang fleksibel mulai dari satu hingga dua puluh empat bulan.
๐Ÿ“ฑ Pengajuan pinjaman KoinBisnis lebih mudah karena dapat dilakukan melalui aplikasi

๐Ÿต KoinGold ๐Ÿต


๐Ÿฅ‡ Tabungan emas yang dapat kamu miliki untuk mendapatkan keuntungan jangka panjang.
๐ŸŽ– Jual beli emas Antam dan UBS online dimulai dari Rp 1.000,- kapanpun dan dimanapun langsung dari aplikasi.
๐Ÿ†“ KoinGold tidak menarik biaya komisi untuk setiap pembelian dan penjualan emas.

๐Ÿ“œ KoinBond ๐Ÿ“œ


๐Ÿ”– Pengembangan aset minim risiko untuk bantu negara melalui Surat Berharga Negara (SBN) / Surat Utang Negara (SUN).
๐Ÿ“ƒ Beli Savings Bond Ritel (SBR), Obligasi Negara Indonesia (ORI) dan Sukuk Ritel & Tabungan (obligasi syariah) langsung melalui aplikasi.
๐Ÿค‘ Dapatkan hasil langsung ke rekening e-sbn saat pembayaran obligasi jatuh tempo.

๐Ÿ† KoinWorks Awards ๐Ÿ†


๐Ÿ… The Most Innovative Fintech of the Year by Bisnis Indonesia 2017.
๐ŸŽ– Innovative Company in Providing Online Funding with Machine Learning in 2017 & 2018 by Warta Ekonomi.
๐Ÿฅ‡ Winner of The Asian Banker Financial Lending Innovation Showcase and Competition Indonesia 2019.
๐Ÿฅ‰ Top 6 finalists Visa Everywhere Initiative Indonesia 2019.

๐Ÿงฎ Informasi Tentang Pinjaman ๐Ÿงฎ


โœฆ Jumlah Pinjaman (Plafon) Rp1 juta - Rp2 miliar
โœฆ Suku Bunga per bulan 0,75% - 1,67% (Bunga per tahun 9% - 20%)
โœฆ Tenor 3 - 24 bulanan
โœฆ Biaya originasi (tergantung Tenor) 0,75% - 5%
โœฆ Biaya administrasi Rp150.000 - Rp200.000
โœฆ Biaya asuransi 0,10% - 1,25%
โœฆ Biaya keterlambatan 6% dari jumlah tunggakan (tergantung pada jumlah hari)

๐Ÿงฎ Simulasi Pinjaman ๐Ÿงฎ


โœฆ Angsuran pinjaman awal bunga: (Nilai / Tenor) x Plafon
โœฆ (0,09 / 12) x Rp10.000.000 = Rp75.000
โœฆ Jumlah Pinjaman + Bunga: Plafon + Bunga
โœฆ Rp 10.000.000 + Rp 75.000 = Rp 10.075.000
โœฆ Angsuran Bulanan: (Plafon + Bunga) / Tenor
โœฆ Rp10.075.000 / 12 = Rp839.583,33 per bulan
โœฆ Plafon yang Diterima Setelah Pengurangan Biaya: Plafon - (Plafon x Origination) - (Administrasi) - (Asuransi)
โœฆ Rp10.000.000 - Rp75.000 - Rp150.000 - Rp10.000 = Rp9.765.000 termasuk biaya

โš ๏ธ Ketentuan โš ๏ธ


โš ๏ธŽ KoinP2P berbeda dengan saham, trading forex, binary option dan reksadana.
โš ๏ธŽ KoinRobo berbeda dengan tabungan deposito

๐Ÿ’ผ LOAN SPECIFICALLY FOR OWNERS BUSINESS ๐Ÿ’ผ



KoinWorks is a cash business loan platform that is registered and supervised by OJK .
โœ… Easy submission โœ… Low interest โœ… No credit card โœ… No collateral / collateral

Also available are ๐Ÿ’ฒ Investments ๐Ÿต Gold Savings ๐Ÿ“œ Bonds and ๐Ÿ‘ฌ Peer to Peer Lending

The first online super financial application in Indonesia that provides various types of financial needs and financial reports.
๐Ÿ”ฐ Registered at the Financial Services Authority with registration number: S.87 / MS.72 / 2020, on February 10, 2020.
๐Ÿ” KoinWorks also has ISO 27001 certification in the field of financial aggregator services.

๐Ÿ‘‘ KoinWorks Products ๐Ÿ‘‘



๐Ÿ‘ฌ KoinP2P ๐Ÿ‘ฌ


๐Ÿ’ธ Non bank peer to peer (P2P) lending funding for MSMEs with an effective yield of up to 18% per year.
๐Ÿ’ฒ Start with small capital of IDR 100,000 cash and its multiples.
๐Ÿ”ฐ KoinP2P has a business license and is supervised by OJK , with letter number: KEP-125 / D.05 / 2019 on December 13, 2019.

๐Ÿ’ต KoinRobo ๐Ÿ’ต


๐Ÿค– Hassle-free automated P2P funding using artificial intelligence with predictable yields of 4% - 13% per year.
๐Ÿ’ฒ Start with small capital of IDR 100,000 cash and its multiples.

๐Ÿ’ฐ KoinBisnis ๐Ÿ’ฐ


๐Ÿ’ผ Online loans for businesses up to IDR 2 billion without credit cards and guarantees / collateral.
๐Ÿงพ Low fees ranging from 0.75% to 5% of loan amount.
๐ŸŒผ Interest effective installments that are quite low ranging from 9% to 18% per annum.
๐Ÿ“… Flexible installment tenors ranging from one to twenty four months.
๐Ÿ“ฑ It is easier to apply for a KoinBisnis loan because it can be done through the application

๐Ÿต KoinGold ๐Ÿต


๐Ÿฅ‡ Gold savings that you can have for long-term benefits.
๐ŸŽ– Buy and sell Antam gold and UBS online starting from IDR 1,000, - anytime and anywhere directly from the app.
๐Ÿ†“ KoinGold does not charge commission for every purchase and sale of gold.

๐Ÿ“œ KoinBond ๐Ÿ“œ


๐Ÿ”– Development of risk-minimum assets to assist the state through Government Securities (SBN) / Government Securities (SUN).
๐Ÿ“ƒ Buy Retail Savings Bond (SBR), Indonesian Government Bonds (ORI) and Retail Sukuk & Savings (Islamic bonds) directly through the application.
๐Ÿค‘ Get proceeds directly to your e-sbn account when bond payments are due.

๐Ÿ† KoinWorks Awards ๐Ÿ†


๐Ÿ… The Most Innovative Fintech of the Year by Bisnis Indonesia 2017.
๐ŸŽ– Innovative Company in Providing Online Funding with Machine Learning in 2017 & 2018 by Warta Ekonomi.
๐Ÿฅ‡ Winner of The Asian Banker Financial Lending Innovation Showcase and Competition Indonesia 2019.
๐Ÿฅ‰ Top 6 finalists for the 2019 Visa Everywhere Initiative Indonesia.

๐Ÿงฎ Loan Information ๐Ÿงฎ


โœฆ Total Loan (Ceiling) IDR 1 million - IDR 2 billion
โœฆ Interest rates per month 0.75% - 1.67% (Interest per annum 9% - 20%)
โœฆ Tenor 3 - 24 months
โœฆ Origination fees (depending on tenor) 0.75% - 5%
โœฆ Administration fee of IDR 150,000 - IDR 200,000
โœฆ insurance fee 0.10% - 1.25%
โœฆ Late fee 6% of the arrears amount (depending on the number of days)

๐Ÿงฎ Loan Simulation ๐Ÿงฎ


โœฆ Initial loan installments of interest: (Value / Tenor) x Ceiling
โœฆ (0.09 / 12) x $ 10,000 = $ 75,000
โœฆ Amount Loan + Interest: Ceiling + Interest
โœฆ IDR 10,000,000 + IDR 75,000 = IDR 10,075,000
โœฆ Monthly Installments: (Ceiling + Interest ) / Tenor
โœฆ IDR 10,075,000 / 12 = IDR 839,583.33 per month
โœฆ Ceiling Received After Deduction of Fees: Ceiling - (Ceiling x Origination) - (Administration) - (Insurance)
โœฆ IDR 10,000,000 - IDR 75,000 - IDR 150,000 - IDR 10,000 = IDR 9,765,000 including fees

โš ๏ธ Conditions โš ๏ธ


โš ๏ธŽ KoinP2P is different from stocks, forex trading, binary options and mutual funds.
โš ๏ธŽ KoinRobo is different from time deposits
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Additional Information

Updated
July 17, 2021
Size
33M
Installs
500,000+
Current Version
2.1.57.6
Requires Android
4.4 and up
Content Rating
Everyone
Permissions
Offered By
KoinWorks
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