{"id":12403,"date":"2026-04-16T08:32:10","date_gmt":"2026-04-16T07:32:10","guid":{"rendered":"https:\/\/getincome.com\/blog\/?p=12403"},"modified":"2026-04-16T09:26:12","modified_gmt":"2026-04-16T08:26:12","slug":"meet-pinjam-yuk","status":"publish","type":"post","link":"https:\/\/getincome.com\/blog\/meet-pinjam-yuk\/","title":{"rendered":"Meet Pinjam Yuk"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"12403\" class=\"elementor elementor-12403\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee5cd2a e-flex e-con-boxed e-con e-parent\" data-id=\"ee5cd2a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bf6156 elementor-widget elementor-widget-text-editor\" data-id=\"3bf6156\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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\u2019s 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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\u2019s 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.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are some key details about Pinjam Yuk\u2019s loans:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Type: <\/b><span style=\"font-weight: 400;\">Instalment loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Issuing Currency: <\/b><span style=\"font-weight: 400;\">IDR (Indonesian Rupiah)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Borrower APR Range: <\/b><span style=\"font-weight: 400;\">80%\u2013109.5%<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Expected Maturities: <\/b><span style=\"font-weight: 400;\">94 days (historically 74\u201394 days)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Junior Share: <\/b><span style=\"font-weight: 400;\">15\u201333% (15% for repeat borrowers; 33% for new borrowers)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To start the cooperation, Pinjam Yuk offers instalment loans with yields of <\/span><b>15% per year to investors<\/b><span style=\"font-weight: 400;\"> on the Income marketplace. Loans are issued in IDR with expected maturities of 94 days and a Junior Share of 15\u201333% depending on borrower type. All listed loans come with a buyback obligation.<\/span><\/p>\n<p><b>Don\u2019t miss out. Diversify your portfolio with Pinjam Yuk today!<\/b><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4365512 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4365512\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/getincome.com\/blog\/loan-originators\/pinyam-yuk\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":12404,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[27],"tags":[68],"_links":{"self":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/12403"}],"collection":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/comments?post=12403"}],"version-history":[{"count":13,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/12403\/revisions"}],"predecessor-version":[{"id":12490,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/posts\/12403\/revisions\/12490"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media\/12404"}],"wp:attachment":[{"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/media?parent=12403"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/categories?post=12403"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/getincome.com\/blog\/wp-json\/wp\/v2\/tags?post=12403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}