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 * Bank
 * Personal
   * KoinRobo®
   * KoinP2P®
   * Promo
   * Konsultan Finansial
   * Produk Lainnya
     * KoinGold®
     * KoinBond®
 * Usaha
   * Supply Chain Financing
   * KoinPayLater®
   * KoinInvoice®
   * KoinBisnis®
   * KoinGaji®
 * Tentang Kami
   * Tentang KoinWorks
     * Sejarah
     * Visi & Misi
     * Pimpinan Perusahaan
   * Testimoni
   * Karir
   * Hubungi Kami
   * Publikasi
   * Bantuan
 * Edukasi
   * KoinLearn®
   * Pusat Informasi
     * Ebook Untuk Investor
     * Wawasan Bisnis
     * Daily Blog Investor
   * Business Tools
     * Gabung Komunitas KoinPreneur
     * Kalkulator Bisnis
     * Event Calendar
 * Dampak Sosial
   * Tata Kelola Perusahaan
     * Whistleblowing System
   * Laporan Dampak Sosial

 * Bank
 * Personal
   * KoinRobo®
   * KoinP2P®
   * Promo
   * Konsultan Finansial
   * Produk Lainnya
     * KoinGold®
     * KoinBond®
 * Usaha
   * Supply Chain Financing
   * KoinPayLater®
   * KoinInvoice®
   * KoinBisnis®
   * KoinGaji®
 * Tentang Kami
   * Tentang KoinWorks
     * Sejarah
     * Visi & Misi
     * Pimpinan Perusahaan
   * Testimoni
   * Karir
   * Hubungi Kami
   * Publikasi
   * Bantuan
 * Edukasi
   * KoinLearn®
   * Pusat Informasi
     * Ebook Untuk Investor
     * Wawasan Bisnis
     * Daily Blog Investor
   * Business Tools
     * Gabung Komunitas KoinPreneur
     * Kalkulator Bisnis
     * Event Calendar
 * Dampak Sosial
   * Tata Kelola Perusahaan
     * Whistleblowing System
   * Laporan Dampak Sosial

 * ID
 * EN

MENU
Download App
 * Bank
 * Personal
   * KoinRobo®
   * KoinP2P®
   * Promo
   * Konsultan Finansial
   * Produk Lainnya
     * KoinGold®
     * KoinBond®
 * Usaha
   * Supply Chain Financing
   * KoinPayLater®
   * KoinInvoice®
   * KoinBisnis®
   * KoinGaji®
 * Tentang Kami
   * Tentang KoinWorks
     * Sejarah
     * Visi & Misi
     * Pimpinan Perusahaan
   * Testimoni
   * Karir
   * Hubungi Kami
   * Publikasi
   * Bantuan
 * Edukasi
   * KoinLearn®
   * Pusat Informasi
     * Ebook Untuk Investor
     * Wawasan Bisnis
     * Daily Blog Investor
   * Business Tools
     * Gabung Komunitas KoinPreneur
     * Kalkulator Bisnis
     * Event Calendar
 * Dampak Sosial
   * Tata Kelola Perusahaan
     * Whistleblowing System
   * Laporan Dampak Sosial

 * Bank
 * Personal
   * KoinRobo®
   * KoinP2P®
   * Promo
   * Konsultan Finansial
   * Produk Lainnya
     * KoinGold®
     * KoinBond®
 * Usaha
   * Supply Chain Financing
   * KoinPayLater®
   * KoinInvoice®
   * KoinBisnis®
   * KoinGaji®
 * Tentang Kami
   * Tentang KoinWorks
     * Sejarah
     * Visi & Misi
     * Pimpinan Perusahaan
   * Testimoni
   * Karir
   * Hubungi Kami
   * Publikasi
   * Bantuan
 * Edukasi
   * KoinLearn®
   * Pusat Informasi
     * Ebook Untuk Investor
     * Wawasan Bisnis
     * Daily Blog Investor
   * Business Tools
     * Gabung Komunitas KoinPreneur
     * Kalkulator Bisnis
     * Event Calendar
 * Dampak Sosial
   * Tata Kelola Perusahaan
     * Whistleblowing System
   * Laporan Dampak Sosial

 * ID
 * EN

MENU
Download App
 * ID
 * EN



 * Bank
 * Personal
   * KoinRobo®
   * KoinP2P®
   * Promo
   * Konsultan Finansial
   * Produk Lainnya
     * KoinGold®
     * KoinBond®
 * Usaha
   * Supply Chain Financing
   * KoinPayLater®
   * KoinInvoice®
   * KoinBisnis®
   * KoinGaji®
 * Tentang Kami
   * Tentang KoinWorks
     * Sejarah
     * Visi & Misi
     * Pimpinan Perusahaan
   * Testimoni
   * Karir
   * Hubungi Kami
   * Publikasi
   * Bantuan
 * Edukasi
   * KoinLearn®
   * Pusat Informasi
     * Ebook Untuk Investor
     * Wawasan Bisnis
     * Daily Blog Investor
   * Business Tools
     * Gabung Komunitas KoinPreneur
     * Kalkulator Bisnis
     * Event Calendar
 * Dampak Sosial
   * Tata Kelola Perusahaan
     * Whistleblowing System
   * Laporan Dampak Sosial

Humberger Toggle Menu
Download App
Perlu bantuan? hubungi kami
 * +62 8170 3972 888
 * +62 8559 2013 102
 * support@koinworks.com


8+ PRODUK FINANSIAL.
SATU PLATFORM.
WUJUDKAN BISNIS & FINANSIAL IMPIANMU!

KoinWorks hadir untuk memberikan strata ekonomi & finansial yang lebih baik
untuk semua, sebagai Bank Digitalnya UMKM






2 JUTA+

PENGGUNA SUDAH BERGABUNG MENUJU BISNIS & FINANSIAL IMPIAN MEREKA


RP 2 TRILIUN+

TOTAL AUM (Asset Under Management)
KOINWORKS KELOLA SAAT INI


RP 26 TRILIUN+

TOTAL PINJAMAN SEJAK BERDIRI DARI TAHUN 2016


RP 953 JUTA+

TOTAL PINJAMAN DI TAHUN 2024 INI


RP 1.012.415.872

DANA PROTEKSI


#SATUKLIKUNTUKWUJUDKAN

Adalah mantra kami untuk melayani kebutuhan finansial
bagi kamu para Pengusaha, ataupun untuk mengembangkan Aset Pribadi kamu


KEMBANGKAN BISNIS

Dari Dashboard Bisnis, Pembayaran Bisnis bahkan Pinjaman modal usaha tersedia
untuk kamu cukup dengan 1 klik, persis seperti mantra kami!

Pelajari Lebih Lanjut



KEMBANGKAN ASSET

Pengaturan keuangan pribadi semakin mudah. Mulai dari investasi, diversifikasi,
hingga manajemen aset, cukup dengan 1 klik, persis seperti mantra kami!

Pelajari Lebih Lanjut



CERITA SUKSES PARA PEJUANG MIMPI

Cerita Para Pejuang Mimpi yang sudah menjalankan mantra kami,
#SatuKlikUntukWujudkan




KOINWORKS ADALAH JUARANYA

Deretan pencapaian KoinWorks selama ini untuk kamu para pejuang mimpi!





PERAN SOSIAL KOINWORKS UNTUK KAMU, DIA & MEREKA

Yuk intip kerja keras KoinWorks untuk komunitas & semua lapisan masyarakat

KoinWorks Dukung Kepentingan Investasi Keluarga Melalui Fitur Switch Account
Dalam Aplikasinya
 * 16 Januari 2024
 * Bacaan 2 menit

KoinWorks Tanam Pohon Mangrove Bersama Pendana dan Peminjam, Tekankan Komitmen
terhadap Pengurangan Jejak Karbon
 * 19 Desember 2023
 * Bacaan 2 menit

Kolaborasi dengan Kemenkop UKM dalam Program Entrepreneur Financial Fiesta,
KoinWorks Tekankan Fokus pada Sektor Agrikultur dan Peternakan
 * 13 Maret 2024
 * Bacaan 2 menit

KoinWorks Ajak Pengguna Lapor Pajak Lebih Mudah melalui Fitur Unduh Bukti Potong
Pajak
 * 4 Maret 2024
 * Bacaan 2 menit

Chubb dan KoinWorks Bermitra untuk Memberikan Solusi Asuransi bagi Dunia Usaha
di Seluruh Indonesia
 * 23 Februari 2024
 * Bacaan 2 menit

KoinWorks Dukung Kepentingan Investasi Keluarga Melalui Fitur Switch Account
Dalam Aplikasinya
 * 16 Januari 2024
 * Bacaan 2 menit

KoinWorks Tanam Pohon Mangrove Bersama Pendana dan Peminjam, Tekankan Komitmen
terhadap Pengurangan Jejak Karbon
 * 19 Desember 2023
 * Bacaan 2 menit

Kolaborasi dengan Kemenkop UKM dalam Program Entrepreneur Financial Fiesta,
KoinWorks Tekankan Fokus pada Sektor Agrikultur dan Peternakan
 * 13 Maret 2024
 * Bacaan 2 menit

KoinWorks Ajak Pengguna Lapor Pajak Lebih Mudah melalui Fitur Unduh Bukti Potong
Pajak
 * 4 Maret 2024
 * Bacaan 2 menit

Chubb dan KoinWorks Bermitra untuk Memberikan Solusi Asuransi bagi Dunia Usaha
di Seluruh Indonesia
 * 23 Februari 2024
 * Bacaan 2 menit

KoinWorks Dukung Kepentingan Investasi Keluarga Melalui Fitur Switch Account
Dalam Aplikasinya
 * 16 Januari 2024
 * Bacaan 2 menit

KoinWorks Tanam Pohon Mangrove Bersama Pendana dan Peminjam, Tekankan Komitmen
terhadap Pengurangan Jejak Karbon
 * 19 Desember 2023
 * Bacaan 2 menit


Selengkapnya


YANG BARU, SERU & JITU DARI KOINWORKS

Bacaan pilihan untuk kamu, para pejuang mimpi


Selengkapnya


MAU NANYA APA?

KoinWorks itu apa sih?

Kamu dapat melakukan pembelian produk dengan cara memilih produk pada website,
datang ke kantor, atau menghubungi agent kami secara langsung.

KoinWorks punya produk apa aja?

Kami juga memiliki fitur solution finder yang dapat memberikan solusi yang
terbaik yang pasti sesuai dengan kebutuhan kamu, untuk menggunakan fitur
solution finder, kamu dapat menjawab beberapa pertanyaan terlebih dahulu.

Gimana sih cara investasi di produk-produk itu?

Sistem kami secara automatis akan memberikan pilihan paket terbaik untuk kamu
dan dapat kamu custom sesuai dengan keinginan dan kebutuhan kamu


SATU KLIK UNTUK WUJUDKAN IMPIANMU

Gabung dengan jutaan orang yang sudah memulai langkah mereka untuk mewujudkan
finansial & bisnis impiannya dalam satu klik!

WUJUDKAN SEKARANG!

Telah Berizin dan Diawasi oleh


NO. S.87/MS.72/2020 – FEB 10th, 2020

Bantuan
Anggota Terdaftar dari

PT Sejahtera Lunaria Annua
 * Gedung Cyber 2 Lantai 35 Unit D-E Jl. HR Rasuna Said, Blok X5 No 13,
   Kuningan, Setia Budi, Jakarta Selatan 12950. Indonesia
 * 150588
 * +6281703972888
 * support@koinworks.com

Social Media
 * 
 * 
 * 
 * 
 * 

Legal
 * Kebijakan Privasi
 * Syarat dan Ketentuan Umum

 * Kebijakan Privasi
 * Syarat dan Ketentuan Umum

Bisnis
 * KoinBisnis
 * KoinInvoice
 * KoinGaji
 * KoinRobo
 * KoinGold
 * KoinLearn

 * KoinBisnis
 * KoinInvoice
 * KoinGaji
 * KoinRobo
 * KoinGold
 * KoinLearn

Personal
 * KoinP2P
 * KoinRobo
 * KoinGold
 * KoinBond
 * KoinGaji

 * KoinP2P
 * KoinRobo
 * KoinGold
 * KoinBond
 * KoinGaji

Download Aplikasi



NO. S.87/MS.72/2020 – FEB 10th, 2020



KoinWorks exists as a Super Financial App, a solution for all personal and
business financial needs. We want to make all your financial dreams come true
with just one dashboard. PT Sejahtera Lunaria Annua (“PT SLA”) in collaboration
with PT Lunaria Annua Teknologi as an affiliate for the organizer of KoinWorks –
Super Financial App. KoinWorks also has Electronic System Operator Registration
Certificate (“PSE”) No. 000716 / DJAI.PSE /05/2021 and has been registered as a
member of the Indonesian Fintech Association (“AFTECH”), with member
registration number 0322 / REG / AFT / SU.

As a Super Financial App, KoinWorks provides interfacing services to connect
parties who want to carry out financial activities, whether in information
technology-based lending services or other financial products. KoinWorks does
not provide any suggestions or funding recommendations regarding the choices on
this platform.

1. Definition
Unless the context dictates otherwise, terms in this Legal Disclaimer will have
the following meanings:
a. KoinWorks or the Company or We are PT Sejahtera Lunaria Annua, a company that
provides a market for financial products for users.
b. Services are Platform provision services provided by the Company on the
Platform to unite Users.
c. User is every person who visits, accesses and/or uses the Platform.
d. Third Parties are other parties, including but not limited to information
technology-based lending and borrowing service providers, gold trading
companies, other companies that have collaborated with KoinWorks, or other
Financial Services companies that have been registered or have business licenses
at the Financial Services Authority that provide services on the Platform.
e. The platform is a mobile application owned by the Company.
f. Personal Data is data and/or certain individual information that is stored,
maintained, and kept, and kept confidential.

2. User Personal Data Storage
In connection with the activities carried out on the Platform, the User hereby
acknowledges and agrees that the User’s Personal Data will be stored by the
Company. Storage of User Personal Data refers to Article 15 of the Regulation of
the Minister of Communication and Information Technology Number 20 of 2016
concerning Protection of Personal Data in Electronic Systems and Government
Regulation Number 71 of 2019 concerning Implementation of Electronic Systems and
Transactions.

In addition to storing, the Company may process, analyze, transmit, delete,
and/or destroy User’s Personal Data in accordance with applicable regulations,
which are limited only to Third Parties and for purposes of the Company’s
analysis of User and/or User transactions on various features on the Platform.
Other than as mentioned in this Term and Condition and the Privacy Policy, the
Company will not provide information about Users to other parties without the
prior consent of the User.

3. Company Services for Users
The Company has followed the licensing mechanism and applicable laws and
regulations in providing services and is under OJK supervision. Users are
entitled to the following services on the Platform:
a. View and access all financial products on the Platform.
b. Change and update your information as a user.

Users are hereby deemed to understand and know all the risks posed by each
financial product used. Therefore, the User states that he is responsible for
all decisions and risks taken regarding using the Service.

4. Privacy Policy
Your privacy and protection of the personal data you submitted to us are very
important to us. Because we collect and/or store certain types of information
from and about you, we need to explain our policies and the terms and conditions
surrounding the data collection and use of that information. We respect the
protection of user privacy. The User understands that the User can only access
some features on the Platform if the User provides and allows some information
and/or data to the Company through the Platform. The User understands that the
User has allowed the Company to collect information about the User, including
but not limited to the User’s IP address and hardware since the User visits and
accesses the Platform.

5. Platform Services and Security
The company always gives full attention and effort to provide the best security
and services to Users through the Platform. The platform has ISO 27001: 2022
Certificate – Information Security Management as a Financial Aggregator.
However, in the event of problems on the Platform beyond the Company’s control,
including but not limited to cybercrime, problematic servers, malware, etc., you
as the User agree to release and release the Company to be responsible for these
things.

6. Changes to General Term and Condition
The Company reserves the right to change the General Terms and Conditions at its
sole discretion from time to time. Any changes to this General Term and
Condition will take effect immediately after the Company has posted them on the
Platform. The Company will include the date of the last amendment to the General
Terms and Conditions on the front page of the Platform. You understand and agree
that when you continue to use the Platform or Service after changes to this
General Term and Condition have been made, you are subject to and bound by the
new Terms and Conditions.


© 2016 - 2024 • KoinWorks,
PT Sejahtera Lunaria Annua. All Rights Reserved