KoinWorks is the leading digital lender in the growing peer-to-peer (P2P) lending space in Indonesia. Through innovation, the fintech company has enabled thousands of small and medium-sized enterprises (SMEs) to access credit and grow their business, positively impacting not only the SMEs but the economy at large.

KoinWorks’ loan application process is simple and straightforward, with a balanced ‘tech and touch’ approach by using a mix of borrowers’ data and third-party data, and physical visits to the borrowers’ premises. Currently, the company’s operations are focused on Java and Sumatra, the major economic hubs of Indonesia, but expansion into other regions is part of its strategy for the coming years.