Danabijak is an Indonesian fintech lending platform for the aspiring, underbanked middle class. The Danabijak lending platform leverages alternative data for credit scoring, proprietry algorithms and technology to provide near instant funding to the underbanked Indonesian consumers.

Danabijaks mission is to advance financial inclusion, which it can do at scale with a retention focused model. Borrowers are on-boarded with a low value ticket and they are regularly re-evaluated from risk perspective. This re-evaluation gives the borrowers an opportunity to grow their credit score and understanding of financial products.

Established among the first Indonesian fintech platforms in 2016, the company has originated over EUR 14M in loans and has offices in Singapore and Indonesia. It is licensed by Indonesia´s Financial Supervisory Authority (“Otoritas Jasa Keuangan”) as a Peer-to-Peer Fintech lending platform since June 2018.

Latest news

€ 16 M

Loans Originated

€ 788 K

Loan Portfolio

up to 49%

Junior Share

Security Structure

The loans are secured by assignment agreement to the investor with a local SPV controlling the cashflow. The high Junior share contributes to a strong cashflow buffer of ca 155-200% in case of LO default.

Danabijak is audited by Kreston International (Indonesia)