Danakini

Danakini is a fintech peer-to-peer lending platform published by PT Dana Kini Indonesia. Danakini guarantees your security because Danakini was licensed and supervised by the Financial Services Authority (OJK) (KEP-46 / D.05 / 2020) and is a part of the Indonesian Joint Funding Fintech Association (AFPI).

CREDIT LIMIT FEATURE
With the credit limit feature, Danakini helps customers to fulfill their needs with cash loans or installments products.
• Credit Limit: Min. IDR 2 million & Max. IDR 30 million
• Requirements: Salary slip/bank account record

DANAKINI PRODUCTS
1. Cash Loan - kiniTunai
Cash loan products for customers who already have a limit.
• Loan amount: Min.IDR 1 mio & Max. IDR 8 mio
• Tenor: 3 & 6 months
• Monthly flat interest rate: 2.25% for 3 month tenor & 2.5% for 6 month tenor (max. APR 30%)
• Admin fee: 5% or min. 50 K

Example of simulation:
Loan amount: IDR 1 mio, Tenor: 3 months
Disbursement amount: IDR 950,000 (deducted by 5% admin fee or min. 50 K).
Loan principal: IDR 1,000,000
Monthly interest: 2,25%*Rp 1,000,000 = IDR 22,500 (APR 27%)
Monthly installment: IDR 1.000.000/3 + IDR 1,000,000*2,25% = IDR 355,833
Total interest: IDR 1,000,000*2,25%*3= IDR 67,000
Total returns: IDR 1,000,000 + IDR 1000,000*2,25%*3= IDR 1,067,000

2. Danakini Paylater- kiniBayar
Instant Installment product. Simply scan the QR code then pay (valid for customers who already have limit)
• Loan value: Min. IDR 200 K & Max. IDR 30 mio
• Tenor: 3-12 months
• Monthly Interest rate: starting from 2.25% - 2.75% flat per month (max. APR 33%)

Example of simulation:
Total price: IDR 1 mio, tenor: 3 month
Loan principal: IDR 1,000,000
Monthly interest: 2,25%*Rp 1,000,000 = IDR 22,500 (APR 27%)
Monthly installment: IDR 1.000.000/3 + IDR 1,000,000*2,25% = IDR 355,833
Total interest: IDR 1,000,000*2,25%*3= IDR 67,000
Total returns: IDR 1,000,000 + IDR 1000,000*2,25%*3= IDR 1,067,000

3. Cash Loans For Employees - kiniFlexi
Cash loan products for employees of registered companies.
• Loan Amount: Min.IDR 3 mio & max. IDR 100 mio
• Tenor: 3-24 months
• Monthly interest rate: 1% flat per month for 1-12 months tenor & 1.25% flat per month for 13-24 month tenor (Max. APR 15%)
• Admin fee: from 100K

Example of simulation:
Loan amount: IDR 3 mio, tenor: 12 months
Disbursement amount: IDR 2,900,000 (deducted by admin fee IDR 100 K).
Loan principal: IDR 3,000,000
Monthly interest: 1%*Rp 3,000,000 = IDR 30,000 (APR 12%)
Monthly installment: IDR 3,000,000/12 + IDR 3,000,000*1% = IDR 280,000
Total interest: IDR 3,000,000*1%*12= IDR 360,000
Total returns: IDR 3,000,000 + IDR 3,000,000*1%*12= IDR 3,360,000

4. Installments without a credit card - kiniCintaku
Product to replace Credit cards to purchase goods.
• Loan amount: Min. IDR 1 Mio & Max.IDR 100 mio
• Tenor: 6-24 months
• Monthly interest: from 1.99%-2.99% flat per month depending on products (Max. APR 35.88%)
• Down Payment: 10% of the item price
• Admin fee: IDR 188.000

Example of simulation:
Product: Furniture, total price: IDR 10 mio, tenor: 6 months
Down Payment: IDR 1,000,000 (min. 10% of total item price)
Loan principal: IDR 9,000,000 (Total Item Price - Down Payment)
Monthly interest: 1,99%*IDR 9,000,000 = IDR 179,100 (APR 23,88%)
Monthly Installment: IDR 9,000,000/6 + IDR 9,000,000*1.99% = IDR 1,679,100
Total interest: IDR 9,000,000*1.99%*6= IDR 1,074,600
Total returns: IDR 9,000,000 +IDR 9,000,000*1.99%*6 = IDR 10,074,600

Why Danakini?
✔ EASY TERMS
✔ LOW-INTEREST RATE
✔ SAFE
✔ INSTANT APPROVAL
✔ VARIOUS INSTALLMENT PAYMENT CHANNEL

The requirements to submit a cash loan/installments at Danakini
• The minimum age of the applicant is 21 years and a max. of 63 years at the time of submission
• Indonesian citizen and has an ID Card (KTP)
• Minimum income is IDR 3 million per month

More information:
WA Business: +62895-2000-0328
Email : [email protected]
Telepon: 021 -50880203
Official Address:
Gedung Kawan Lama, Jl. Puri Kencana No.1 , Kembangan Selatan, Jakarta 11610 - Indonesia