價格：免費
更新日期：2020-08-01
檔案大小：282.4 MB
目前版本：2.1.46.2
版本需求：系統需求：iOS 11.0 或以後版本。相容裝置：iPhone、iPad、iPod touch。
The first online Super Financial Application in Indonesia for all your financial needs.
# KoinWorks is listed by Indonesia Financial Services Authorities (OJK) with registration number: S.87/MS.72/2020 tanggal 10 Februari 2020. KoinWorks also has ISO 27001 certificate in financial aggregator services category.
# KoinWorks products:
# KoinP2P
- Funding directly to borrowers with detail information through peer to peer (p2p) lending method.
- Get an effective of return start from 18% per annual with diversified loan grade as same as income from online side job.
- Start your funding only with low cash capital IDR 100.000.
- Funding is different than stocks, forex trading, binary options, mutual funds, and savings deposits.
- KoinP2P is licensed and supervised by Indonesia Financial Services Authorities (OJK) based on letter No. KEP-125/D.05/2019 dated 13 December 2019. KoinP2P also certified by ISO 27001 on peer to peer lending services.
- PS: KoinP2P is different with stocks, forex trading, binary options and mutual funds.
# KoinRobo
- Funding with an Auto-pilot technology, without the hassle of diversifying loan grade.
- Start your funding only with low capital cash IDR 100.000.
- Get a fixed return starts from 4% up to 13% within a period of 3 months - 12 months.
- PS: KoinRobo is different with fixed deposit.
# KoinBisnis
- Online loan without colleteral required up to IDR 2 Bio for your business financing.
- Low fee starts from 0,75% to 5% from total disbursed loan.
- Low monthly installment from 9% to 18% yearly effective rate.
- Flexible tenure from one to twenty four months.
- PS: Different with bank loan, you can only apply for KoinBisnis loan via this mobile app.
# KoinGold
- Gold savings online by Antam and UBS start from IDR1.000,-.
- Buy and sell gold anytime and anywhere via mobile application.
- KoinGold won't charge any comission fees when you buy or sell gold.
# KoinGaji
- Get up to 70% of your salary early to fullfill your needs. No need to wait until the end of the month to get your salary.
- With 0% interest and low admin fee, as low as 2% from the salary.
- Easily pay your salary advance fee, as low as 2% will immediately be deducted from your salary without extra effort.
- Refer KoinGaji to your company's HR division, so you can enjoy early salary payment from KoinGaji.
# KoinWorks Awards:
- The Most Innovative Fintech of the Year by Bisnis Indonesia Fintech Award 2017.
- Innovative Company in Providing Online Funding with Machine Learning, Category: Financial Technology in 2017 & 2018 from Warta Ekonomi.
- Winner of The Asian Banker Financial Innovation Showcase and Competition Indonesia 2019, Category: Lending.
- Top 6 finalists Visa Everywhere Initiative Indonesia 2019.
# KoinWorks application's features:
- There is an all in one financial statement feature to show your porfolio accross all KoinWorks products in one single page.
- Application follows strict security standards, in the form of credit assesment process with multiple data encryption to protect user data as standardized in ISO 27001.
# Information about loans:
- Loan Amount (Plafond) Rp1 million - Rp2 billions
- Monthly Interest Rate 0.75% - 1.67% (Annual Flat Rate: 9% - 20%)
- Tenor 3 - 24 months
- Origination fee (depends on tenor) 0.75% - 5%
- Administration Rp150,000 - Rp200,000
- Insurance 0.10% - 1.25%
- Late Fee 6% of arrears amount (Depends on number of days)
#Loan simulation:
- (Interest Rate / Tenor) x Plafond
- (0.09 / 12) x Rp10,000,000 = Rp75,000
- Plafond + Interest = Rp10,000,000 + Rp75,000 = Rp10,075,000
- Monthly installment = (Plafond + Interest) / Tenor
- Rp10,075,000 / 12 = Rp839,583.33 per month
- Plafond received after fee deduction = Plafond - (Plafond x Origination Fee) - (Administration Fee) - (Insurance Fee)
- Rp10,000,000 - Rp75,000 - Rp150,000 - Rp10,000
- You’ll get: Rp9,765,000 including fees
