KAWAN

PT. WAHANA OTTOMITRA MULTIARTHA TBK

About this app

KAWAN - A financing application that makes it easy for you to access WOM Finance services ANYWHERE, ANYTIME. The KAWAN application is owned and managed by PT Wahana Ottomitra Multiartha Tbk ("WOM Finance"), which is licensed and supervised by the Financial Services Authority (OJK).

APPLICATION FEATURES:

1. Nearest WOM Finance Branch Office
2. Financing Simulation
3. Financing Application
4. Installment Payment
5. Application Tracking
6. Latest Promos

PRODUCTS AND SERVICES

1. Motorku: Multi-purpose financing secured by a motorcycle BPKB
Term 11 - 36 months
Minimum loan IDR 2,000,000
Maximum interest rate (APR) 28% per year
Administration fee IDR 625,000 - IDR 1,325,000
Vehicle Insurance 0.67% - 1.80%

Calculation Example:
For a loan of IDR 3,000,000 with a term of 12 months, the fees charged are as follows:
a. Admin Fee: IDR 775,000
b. Vehicle Insurance: IDR 10,000,000 * 1.80% = IDR 180,000
c. Life Insurance: IDR 50,000
d. Monthly Interest Rate: 24.79%/12 = 2.03%
e. Total Refund: IDR 3,000,000 + IDR 775,000 + IDR 180,000 + IDR 50,000 = IDR 4,005,000
f. Monthly Payment Amount: IDR 4,005,000/12 + IDR 4,005,000*2.03% = IDR 417,000

2. MobilKu: Multipurpose financing secured by a car's BPKB
Term 3 - 48 months
Loan limit IDR 20,000,000 - BMPP (Maximum Loan Limit)
Maximum interest rate (APR) 21.04% per year
Administration fee IDR 1,700,000 - IDR 3,000,000
Vehicle Insurance: 0.20% - 3.83%
Provision Fee 2% - 5.75%

Calculation Example:
For a vehicle priced at IDR 100,000,000, with a loan of IDR 20,000,000 and a 12-month term, the fees charged are as follows:
a. Monthly interest rate: 13.47%/12 = 1.12%
b. Administrative service fee: IDR 1,700,000
c. Provision fee: IDR 20,000,000 * 3% = IDR 692,000
d. Vehicle Insurance Premium: IDR 650,000 (TLO Facility)
e. Total Refund: IDR 20,000,000 + IDR 1,700,000 + IDR 692,000 + IDR 650,000 = IDR 23,042,000
f. Monthly Payment Amount: Rp 23,042,000/12+Rp 23,042,000*1.12% = Rp 2,180,000

3. New Motorcycle: New motorcycle financing with a fast and easy process
Finance amount: Rp 5,000,000 - Rp 2,000,000,000
Flat annual interest rate: 24% - 43%
Term: 12 - 36 months
Administration and provision fees: Rp 475,000 - Rp 625,000

Calculation Example:
For a Honda New Beat Sporty motorcycle financing application with an OTR of Rp 19,060,000, a down payment of Rp 2,400,000, and a purchase price of Rp 19,060,000 - Rp 2,400,000 = Rp 16,660,000 for a 12-month term, the fee is The following charges apply:
a. Monthly interest rate: 32%/12 = 2.67%
b. Monthly interest: Rp 16,660,000 * 2.67% = Rp 444,822
c. Monthly service fee: Rp 610,000 * 2.67% = Rp 50,833
d. Monthly payment amount: Rp 16,660,000 / 12 + Rp 16,660,000 * 2.67% + Rp 610,000 / 12 = Rp 1,883,988
e. Total interest: Rp 16,660,000 * 32% / 12 * 12 = Rp 5,331,200
f. Total service fee: Rp 610,000
g. Total refund cost: Rp16,660,000 + Rp16,660,000 * 32% / 12 * 12 + Rp610,000 = Rp22,601,200

PERSONAL DATA OBTAINED:

1. ID Card Information
2. Telephone Number
3. Income Data
4. Relatives' Data
5. Email
6. Device Information

COLLECTION AND USE OF PERSONAL DATA:

WOM Finance may only use User Personal Data for the purposes specified and authorized by the User, or as permitted by applicable law. Without the User's permission and/or in accordance with applicable law, WOM Finance will not sell or share User Personal Data with other third parties. WOM Finance will retain User Personal Data only for as long as necessary or as required or permitted by applicable law.

PERSONAL DATA PROTECTION:

WOM Finance will protect the Personal Data it receives by implementing security procedures and provisions established in accordance with applicable regulations. These procedures will be regularly reviewed to ensure that they are effective and operating properly.

CONSUMER SERVICES

1. Service Hotline: [phone]
2. Telephone: [phone]
3. WhatsApp: [phone]
4. Email: [e-mail]

What’s new

Kami terus berinovasi untuk kenyamanan Anda! Versi terbaru KAWAN hadir dengan peningkatan layanan dan performa yang lebih optimal.

UPDATE segera dan nikmati pengalaman KAWAN yang lebih maksimal!