We are excited to welcome our latest Loan Originator, Pinjam Yuk, an Indonesian fintech company established in 2018 with a mission to achieve financial inclusion and provide equal financial services for all. Operating under PT Kuaikuai Tech Indonesia, Pinjam Yuk offers uncollateralised digital loans to middle- and lower-income Indonesians, with a simple application process and fast disbursements, through its app, available nationwide across all 34 provinces.
Indonesia represents the largest digital financing opportunity in Southeast Asia. With 43% of the population still underbanked and credit card penetration at just 2.4%, demand for accessible digital lending is enormous, growing at 61% per year. Pinjam Yuk is well-positioned to serve this market: it is fully licensed by Indonesia’s Financial Services Authority (OJK), is a registered member of AFPI (the Indonesian P2P lending association), and holds internationally recognised certifications for data security and quality management.
Pinjam Yuk is backed by Surfin, a global tech-fin group that serves approximately 90 million cumulative users across 4 core markets (Indonesia, India, the Philippines, and Mexico) and 6 satellite markets across 3 continents. Surfin has originated US$5 billion in cumulative loans, generates US$2 billion in annual loan origination, and recorded US$427M in group revenue with a 13% net profit margin in FY2025, underpinned by an exceptional ~90% customer retention rate and 40%+ return on equity. In Indonesia specifically, Surfin’s operations generated USD 117M in revenue and USD 14M in profit before tax in FY2025 (12% YoY growth), with a total asset base of USD 57.7M and equity of USD 32.3M.
Here are some key details about Pinjam Yuk’s loans:
- Loan Type: Instalment loans
- Loan Issuing Currency: IDR (Indonesian Rupiah)
- Borrower APR Range: 80%–109.5%
- Expected Maturities: 94 days (historically 74–94 days)
- Junior Share: 15–33% (15% for repeat borrowers; 33% for new borrowers)
To start the cooperation, Pinjam Yuk offers instalment loans with yields of 15% per year to investors on the Income marketplace. Loans are issued in IDR with expected maturities of 94 days and a Junior Share of 15–33% depending on borrower type. All listed loans come with a buyback obligation.
Don’t miss out. Diversify your portfolio with Pinjam Yuk today!
