KoinWorks Business Loans & P2P 2.2.55.6

KoinWorks is a financial platform that provides business capital loans and facilitates financial management for MSMEs. They offer a range of services including cash loans, invoice financing, and employee loans. One of the pioneers in the Peer to Peer Lending industry in Indonesia, KoinWorks is registered and supervised by OJK.

• Various solutions and financial reports are available.
• KoinWorks is registered at OJK with the number S.87/MS.72/2020, issued on February 10, 2020.
• They have ISO 27001 certification for financial aggregator services industry.

GROW BUSINESS WITH KOINWORKS NEO

KoinWorks NEO offers practical business financial management with easy activation in just 2 minutes. It provides several features:

• NEO Card: A versatile card that caters to multiple business needs. It allows users to create a virtual card in just 1 minute, top-up instantly (up to IDR100 million per card), and transact online with preferred merchants, both domestically and internationally.
• Payment Link: Enables users to receive payments from various methods including credit card, debit card, and e-wallet. Users can generate a payment link or download an invoice in just 2 minutes and schedule recurring payments.
• Send Money: Allows users to send money to any bank with zero charges. It offers high transaction limits and can be done in real-time or scheduled.

CAPITAL LOANS FOR MSME

KoinWorks provides non-bank online business loans for MSMEs up to IDR 2 billion with low origination fees starting from 0.75% of the loan amount. The effective interest rates of the loans start from 9% per year through KOINBISNIS. Cash loan disbursement is faster for businesses with healthy financial profiles.

They also offer invoice financing through KOININVOICE, which accelerates the disbursement of client invoices by up to 80% before the due date, ensuring a safe cash flow. Additionally, KOINGAJI helps meet employees' loan needs by providing early and fast salaries.

The benefits of these loans include:

• Loan limit ranging from IDR 1 million to IDR 2 billion
• Monthly interest rates ranging from 0.75% to 1.67% (yearly rate: 9% - 20%)
• Loan tenor of 6 - 24 months
• Origination fees ranging from 0.75% to 5% depending on the tenor
• Admin fee of IDR 150,000 - IDR 200,000
• Insurance fee of 0.10% - 1.25%
• Late fee of 6% of the installment amount depending on the number of days

A loan simulation is provided:

• 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

GOLD INVESTMENT & ASSET DEVELOPMENT

KoinWorks offers various options for gold investment and asset development:

• Gold investment with Antam and UBS online, starting from IDR 1,000 through KOINGOLD. It provides long-term profit opportunities.
• Asset development through funding MSME businesses based on P2P lending with effective returns of up to 18% per year starting from IDR 100K and multiples through KOINP2P. KoinP2P is licensed and supervised by OJK.
• KOINROBO provides low-risk automatic P2P funding utilizing Artificial Intelligence (AI) and offers yields between 4% to 14% per year starting from IDR 100K and multiples.
• KOINBOND allows the development of low-risk assets through Securities (SBN)/Government Bonds (SUN), including SBR, Indonesian Government Bonds (ORI), Retail & Savings Sukuk (sharia bonds).

The benefits of these investment options are:

• Modern gold and asset investment methods
• High funding interest (return)
• Legally supervised by OJK
• Investment in gold and asset development can start from IDR 1,000

Provisions:

• KoinWorks NEO is similar to a neobank but not a digital bank.
• KoinP2P is not the same as stock trading or forex.
• KoinRobo is not similar to a deposit account.

Contact information:

• WhatsApp: +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