Modalku for Lenders

4.77K reviews
Content rating
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About this app

Scam Alert! Beware of phishing websites impersonating Modalku, which are using fake applications to extract personal data and money. If you suspect you have received such messages through Whatsapp, SMS or Social Media, please do not respond to it or click any links.
Modalku does not have a mobile app for loan application and Modalku has never asked its users to make any transfer/deposit to a personal account. To distinguish Modalku application/website from a fake application/website, please read here for more details.

This app is intended for you, who want to lend money and diversify your portfolio.
If you are an MSME seeking business financing, you can apply loans via our website at

Modalku is MSME digital financing platform where we connect Lenders who seek to lend their money to products suiting to their preference, and Borrowers, seeking for business financing. Modalku Group is licensed and currently operates in 4 countries: Indonesia, Singapore, Malaysia, and Thailand.

Start your lending with Modalku and experience our App highlights:
1. Easy & Affordable
Funding from IDR 100,000 with various tenors (3-24 months) and attractive interest rates from 8%-24% p.a.
2. Special Features
- Feature Planned Funding to automate your lending allocation at your desired loan type, interest rate, tenor, and amount
- Feature Max Borrower Exposure to help mitigate risk
- Feature Exhaust Balance to optimize your balance deployment
3. Safe
We are officially licensed and supervised by Indonesia Financial Services Authority (OJK) since 2019 and passed ISO 27001 certification.

Repayment return simulation:
Principal: Rp 10,000,000
Tenor: 12 month
Interest rate: 12% p.a
Service fee: 3% p.a
Total Capital with Gross return: Rp 10,000,000 * (1+12%) = Rp 11,200,000
Gross monthly repayment: Rp 11,200,000 / 12 = Rp 933,333
Service fee deduction: Rp 2,333
Net monthly repayment: Rp 931,000

Together with Modalku, we can improve the Indonesian economy through funding for MSMEs as the backbone of our country.

For any queries, you can reach us at
Instagram: @pendanamodalku
Updated on
Jul 4, 2022

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, Financial info and 6 others
This app may collect these data types
Personal info, Financial info and 6 others
Data is encrypted in transit
You can request that data be deleted
4.77K reviews
Brian Ivander
March 7, 2022
The user experience is REALLY REALLY REALLY BAD. It's really confusing to see what is my balance now. This very primary need of an investment platform, yet modalku fails to show it to users. I want to withdraw all. Also, my investment is at lost after 1 year. I understand that P2P has risks, but assuming that I gain 15% with a TKB90 of 94% I shud still be in profit. But No, I'm at loss.
21 people found this review helpful
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PT Mitrausaha Indonesia Grup
March 10, 2022
Halo Brian. Kami mohon maaf atas ketidaknyamananmu 🙏 Tim kami akan membantu menghubungi Anda untuk kendala tersebut, Anda juga bisa gunakan fitur live chat yang tersedia pada aplikasi atau website kami di untuk dapat berkomunikasi langsung dengan tim kami ya 😊 Terima kasih.
July 4, 2021
I've been using Modalku since October 2019 and I'm REALLY disappointed with this funding app. 46% of my money is default. The service fee is so high, it's 3% p.a., assuming your porto is about 15%, it's 20% your porto but Modalku doesn't even have insurance. Invoice financing should be less risky but still most of the loan is defaulted. High risk, high return doesn't apply here. It's high risk, low return. Btw I've also tried to buy SBR once in 2020 but somehow always failed. What an app.
50 people found this review helpful
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PT Mitrausaha Indonesia Grup
July 5, 2021
Halo Marsella. Terima kasih telah menggunakan aplikasi pendanaan Modalku. Kami mohon maaf atas ketidaknyamananmu 🙏 Untuk melakukan pengecekan, silakan gunakan fitur live chat yang tersedia pada aplikasi atau website kami di untuk berkomunikasi langsung dengan tim kami ya 😊 Terima kasih.
Riky Ramadani
September 13, 2021
After using this p2p application for more than 4 years (I started to fund here since Feb 2017), I want to declare my disappointment. The default percentage is huge, it reaches more than 15% of the total previous asset. I also need to say that the loss that I got is bigger than my profit for 4 years. Moreover, the section of Kinerja Anda told me that my profit is X but didn't tell me the loss that I got. On the other hand, the service fee also reached more than 21% of total profit. How come???
26 people found this review helpful
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PT Mitrausaha Indonesia Grup
September 14, 2021
Hi Riky, Mohon maaf atas ketidaknyamanannya. Mohon infokan detail kendala Anda pada forms agar tim kami dapat melakukan pengecekan lanjutan. Terima kasih :)

What's new

Made minor changes to our Indonesia investor onboarding flow